vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I made a transfer of XXXX BTC and XXXX ETH, from the hard XXXX XXXX to Coinbase XXXX XX/XX/2021. Coinbase immediately blocked my disposal of XXXX BTC, without explanation. 
The amount is still blocked. 
I contacted their support repeatedly and received only automatically prepared answers, unrelated to my problem and after that as response to my formal complaint Coinbase state " my case is resolved and closed at XXXX XX/XX/2021. '' The amount of XXXX BTC is still blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I was called by a bill collector saying that I owed over XXXX XXXX dollars. For 2 cellular phones purchased in 2019. At first I thought it was a joke. Especially as to the rough and rude way I was spoken to. So I called my cell phone carrier to inquire. They assured me that I was in good standing and owed nothing. Now a month later another call so I asked to speak to fraud. They gave me the runaround and invalid account number to give to the fraud department. I dont know what to do. I honestly need you assistance. All of my cell phones I have gotten from my carrier which have been paid off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On or about Tuesday, XX/XX/2021 I reported a number of fraudulent charges made on my Chime prepaid Visa card. I had previously sent an email to Chime customer support via the app advising them of these charges but nothing had been done to close the card and no claim was filed on the transactions. Additionally, when I finally filed my claim on XX/XX/2021, I received an email less than an hour later from Chime denying my claim. My research indicated that Chime routinely fails to properly protect its customers from fraudulent charges, circumventing federal law that requires them to do so. It is impossible for Chime to have actually investigated the charges in less than one hour to make sure a conclusion. In addition to this CFPB complaint, I also expect to file a lawsuit against Chime in order to redress this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Account Systems of Omaha, LLC
State: NE

Complaint narrative:
I originally rented furniture from XXXX rent to own in XXXX. I became very XXXX and lost my home shortly after. The company came and picked up the furniture in XXXX XXXX. They turned it into collections in XXXX I have communicated with two prior companies that tried to collect this debt that I do not owe as they have the furniture and I was only behind 2 payments of 50 when they came for it. I was sued in XXXX by National Account Recovery Systems of Omaha by sending a letter to a house I have not lived in since XXXX. It was signed for by a woman I do not know. They sent a garnishment letter to the same address and again was signed by a woman I do not know. Needless to say I did not find out that yet again someone was attempting to collect on this debt that is not owed!! Not until they began taking money out of my paycheck which I had to go to court to find out who it even was to begin with. I talked to the court about not being notified and the 30 days had expired. Due to them taking so much out of my check without telling me has made me lose both my car and my home after I had just finally been able to get those things back. Ive emailed and called this company and tried to make arrangements without them taking the majority of my checks. This is NOT even a debt I owe and the original {$1600.00} rental agreement is now over {$3600.00}??? Because of their interest and lawyer fees? I cant make the payments I was making to any of my other creditors due to this and like I said lost a car and my home due to thier neglicience in notification. I had the same mailing address for 4 years and every other creditor was able to find me except them. They chose instead to notify a. Stranger that lives in a house I have not live in for 6 years! In nebraska you only have 30 days to vacate a judgement or ask court to. How does that work when I never knew of thier company or that they were collecting a debt that had already been disputed various times which I was able to prove I didnt owe to begin with?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I DO NOT VALIDATE THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I DO NOT VALIDATE THIS DEBT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX, and Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. tel:13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. tel:13407 ( 1 ) BREACH OF SECURITY. The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

YOU HAVE 30 days or you are in VIOLATION of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on. The items I need deleted are listed in the report. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( inquiry. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the ( accounts ) in 15 days I will take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've contacted the credit bureaus about accounts on my profile that are inaccurate and they keep updating it and it is still inaccurate. I have sent several letters the last being in XXXX of 2021 and still, this inaccurate, incomplete and inconsistent information remains on my credit profile. 

Equifax deleted one of the accounts but XXXX and XXXX still have the account present on my profile and the information doesn't match.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I have had an ongoing issue with Freedom Mortgage since I have been trying to close since XXXX on my refinance with XXXX. 

They sent back a response but never mentioned to the CFPB that they received new documents back in XXXX with a new signed document and a new notary. 

Now Freedom is trying to say that the seal is fake when it came directly from a lawyers office so they are still not closing out my loan. 

This company is disgusting that they have been doing this to me and my husband since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Transunion Credit bureau has failed to respond about the removal of the erroneous information about my inquiry. Sending them letters dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my Inquiries are continuously reported on my Credit Report. Therefore, Transunion failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX-Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I stopped using my credit card after paying it off several years ago. Recently a fraud appeared on my debit card, the bank provided provisional funds while they investigate, and I can use the money in the meantime. Not an often occurence. They stop all activity on the account until I get a new card in the mail and activate it. This time however my prescription came in at XXXX. I didn't have cash so I used my old charge card. A few days later I called the bank to ask how much I owed. In addition to the XXXX for the prescription I had made another 1 or 2 small purchases under {$10.00} on XXXX. I wanted to pay it off immediately. To my surprise it was XXXX. I explained that I didn't make any purchases that large and wanted to dispute the charges. I couldn't. Not only would I have to pay the minimum due for months while the process ran through, but I would have to pay a late fee as well. I explained that I was on a fixed income of {$820.00} per month, on food stamps, medicaid and TX pays my Medicare. I can't afford to pay someone else else 's debt in that amount over time. Because of my slender means it may of necessity be late because I don't have the money. That's why I never used that card after paying it off several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed these items on my credit report multiple times I have not heard anything from XXXX of the main credit bureaus XXXX XXXX and transunion I have not received any notification or any verifiable information for these accounts on my report this is truly hurting me because I am trying invest in my business and my credit report is hurting me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed these items on my credit report multiple times I have not heard anything from XXXX of the main credit bureaus equifax XXXX and XXXX I have not received any notification or any verifiable information for these accounts on my report this is truly hurting me because I am trying invest in my business and my credit report is hurting me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reached out to TransUnion and requested information in which I have yet to receive a response. TransUnion is in violation of my rights as a federally protected consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX separate unauthorized fraudulent debit card transactions were debited from my Chase checking account. 

transaction date : XX/XX/XXXX, XXXX XXXX {$2300.00} XXXX description : XXXX XXXX XXXX MO XX/XX/XXXX merchant description : XXXX XXXX transaction date : XX/XX/XXXX, XXXX XXXX {$2200.00} XXXX description : XXXX XXXX XXXX MO XX/XX/XXXX merchant description : XXXX XXXX  transaction date : XX/XX/XXXX, XXXX XXXX {$2300.00} XXXX description : XXXX XXXX XXXX MO XX/XX/XXXX merchant description : XXXX XXXX  I alerted Chase of these unauthorized fraudulent transaction debits on XX/XX/XXXX. They created a claim for me ( # XXXX ) and provided me with a temporary credit back to my account that was equal to the total unauthorized fraudulent debits ( {$6900.00} ). 

Chase completed their research and responded to me on XX/XX/XXXX indicating " we found that the transaction ( XXXX ) was processed according to the information you provided or was authorized. As a result, we are removing {$6900.00} from your account on or after XX/XX/XXXX. 

I called the Chase customer claims department on the evening of XX/XX/XXXX and was advised I could dispute it with the merchant. 

I made an appointment with a local Chase XXXX representative today, when I was there they called the same claims dept I had called the night before. They advised him the merchant provided some kind of receipt only to Chase on XX/XX/XXXX. Based on this this receipt coming in, Chase closed my claim is is going to remove the funds from my account very soon as a result of these fraudulent transactions being honored by Chase as legitimate. 

Please help me keep my own money. I had nothing to do with these XXXX fraudulent unauthorized debits to my checking account using my debit card number. I have never heard of this XXXX company, I have never contacted them ( phone, email, social media, nothing ). I want to make sure I am able to keep my own money as I am a victim in this fraud attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paradigm Assets, LLC
State: FL

Complaint narrative:
In XXXX of XXXX, I received a call about a debt they said that I owed to XXXX in the amount of {$6100.00}. I told them that I did not owe any money to XXXX and that the last time I had dealt with XXXX was in XXXX when I closed my credit card account with a balance of zero. 

When they tried to push this again, I tolad them that they either had the wrong person or a fraudulent account. It told them to stop harassing me as the debt was not mine. I never heard from them again. 

Last month a different company contacted me about the same debt. The caught my attention because my credit score dropped by XXXX points. Again I told them that the account was not mine and filed a complaint with the CREDIT Bureau. After researching it as little as they did, the credit bureau said that the complaint was real. 

I asked the collection company to show me proof that I opened this account.. They said that they would. In the meantime, I contacted XXXX and they had no record of my having a delinquent account. This time the collection company sent copies of two statements looking like a XXXX statement. The first one had several problems. Number one was that my first name was misspelled. Number two it showed that supposedly I made a payment to them in the amount of {$110.00} on XX/XX/XXXX of XXXX. I took that information to my bank and asked for a copy of my bank statement from XX/XX/XXXX through XX/XX/XXXX. There was no payment made to anyone for that amount, and no payments of any kind to XXXX. During this time I received a copy of my credit report and there was no XXXX account reported open in the credit report after XXXX. I have reported this as fraud to the collection company they are now labeling this as a possible fraud account.

Company response to consumer: Closed with explanation