vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent letters to XXXX and Transunion about these false-negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX is the company that is reporting this to XXXX and Transunion. They removed it on XXXX but they were not able to remove it on XXXX and TransUnion. This report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under XXXX U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX  Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have attempted to dispute old student loans reported by XXXX several times in the past for for violations but they are still reporting on my credit report. I have attached a copy of how they are being reported. The numbers I reference below correlate to the attached copy of my credit report. 

Items 1,2 and 5 are being reported on my credit report with no Date of First Delinquency. This is against FCRA rules. There is no way to determine statute of limitations and as such these files need to be deleted from my credit report. 

Items 3 and 4 show a date of last payment of XX/XX/11. This is clearly beyond the 7 year statute of limitations for an account of this type. It is also incorrectly being reported as past due when they should have been changed to charge off status years ago. These accounts need to be deleted immediately. 

The inaccurate listings of these accounts on my credit are causing me financial harm as they are preventing me from being able to purchase a home for my family. I have disputed these items well over a year ago and was truly dismayed to find nothing had been done. 

Please assist me in looking into this matter and helping to get these accounts deleted as soon as possible.

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 2021-12-14 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have been involved in a number of data breaches and security issues that have previously been reported. I have reported the issues to the follow companies and including a bankruptcy. XXXX XXXX agencies are reporting data incorrectly after being notified. 
XXXX XXXX and XXXX Not XXXX XXXX XXXX XXXX XXXX XXXX Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX mine XXXX XXXX XXXX account number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I have been involved in a number of data breaches and security issues that have previously been reported. I have reported the issues to the follow companies and including a bankruptcy. Crediting Reporting agencies are reporting data incorrectly after being notified. 
XXXX XXXX XXXX XXXX Not Provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD Bank XXXXTarget Credit XXXX XXXX XXXX XXXX Previously Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT TN XXXX XXXX XXXX Previously Removed/Not mine XXXX XXXX XXXX account number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: PA

Complaint narrative:
I contacted the Collection Agency - National Recovery Agency on XX/XX/21 at around XXXX ET. The debt is in the amount of {$1700.00} from XXXX XXXX XXXX. I spoke with a Supervisor named XXXX. I asked for something in writing to indicated after I paid off the debt it would be removed from my Credit Report. He indicated their policy is they Do Not send anything in writing to indicate the debt would be removed. The reason is because he can't guarantee the credit reporting agencies will actually follow through and remove the debt. I asked what assurance do I have they will do what the say after the debt is paid in full. He understood my position but said they would be liable if the debt wasn't removed which is why they won't send anything in writing. 

I just want some assurance they will follow through and send notification to the credit bureau the debt is paid in full. 

Is there anything CFPB can do to help regulate this type of occurrence? would it be possible to require Debt Collectors to provide written documentation to consumers the Credit Reporting Agencies will be notified the debt is paid in full and to remove the 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 explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent each credit reporting agency ( XXXX, TransUnion, and XXXX ) a letter ( per their request ) requesting my consumer report, consumer file and investigative file. AS of XX/XX/2021, I have not received any of the 3 documents I have requested.

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 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I SENT LETTERS TO THESE CREDITORS ABOUJT INQUIRIES THAT SHOULD NOT BE ON MY CREDIT REPORTS. I NEVER DID BUSINESS WIHT THESE CREDITORS AND I DID NOT AUTHORIZE THESE CREDITORS TO ADD THESE INQUIRIES ON MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I applied for a credit limit increase with Capital One. They denied me one XX/XX/2021 stating that according to my credit report my credit score was not high enough and that I had too many inquiries listed on my report. Some of which were from them denying me credit. In another letter from them, regarding this same matter in a previous complaint, they stated they needed an application in order for them to extend lines of credit. If they indeed checked my credit report to see that I was not so " eligible '', where did they get, y information from. This seems like unfair and deceptive practices. I have three accounts with Capital One that are ALWAYS in good standing, with exceptional payment history. How can you tell me I'm eligible to apply for an increase every 6 months but deny me? its very misleading and I do have my legal counsel looking into this matter as well if needed to escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: KY

Complaint narrative:
On XX/XX/XXXX I had our contracted XXXX dealer out to fix my furnace. As soon as he saw our 8 yr. old furnace he said these furnaces are NOT very good. He looked at it and said it needed {$5000.00} to fix. He then became a salesman and showed me his brochure of XXXX XXXX systems. Prices were outrageous ours was {$16000.00} I asked was there a discount for cash and he said no. He said I can get you ZERO interest loan at $ XXXX for 60 months. I signed an XXXX to get furnace installed. I did NOT agree to these terms because I would wait for the hard copy explanation of the loan and decide then. To this date I have not received a copy of the loan agreement, bill of sale, financial figures, building permits, a completion form, or final inspection from our county permits dept. Officially the furnace work is INCOMPLETE! 
XX/XX/XXXX I get an email from GreenSky, XXXX XXXX XXXX, XXXX, GA XXXX. Email said they had charged me {$16000.00} for my furnace ( payments XXXX X XXXX mos ) and had set up an account! I did NOT give them permission to do this. I protested and they sent me an email. We called the lady in charge of protests and she said we signed the contract that I NEVER saw! 
I think GreenSky, in collusion with XXXX dealer, charged me INTEREST up front in violation of the Truth in Lending Act! The outrageous price ( XXXX above MSRP ) indicated there was extra fees added and they TRIED to call it NO INTEREST loan. I did not agree to the terms and ONLY signed the order form to get a furnace installed. 
I would appreciate any help you could send my way. My credit will be ruined and a lien put on my house, and possibly get sued. GreenSky lost a XXXX XXXX lawsuit in XXXX, XXXX for the same practices! Now they are doing it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: OH

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

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 2021-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am writing to invoke my specified remedy for the damages done to my life. There has been XXXX XXXX done to my life due to the closure of my longest opened credit credit and debt collection of the remaining balance on the closed card. These unlawful actions by Discover hindered my ability to make critical financial decisions for my business, which is the source of my income. The damages that were done directly impacted my XXXX, XXXX XXXX XXXX, have taken away my time & energy to fight for my rights as a natural person, and have affected my XXXX XXXX due to the XXXX XXXX. The abusive practices of Discover have been tearing away at my life. It has made living this life a continuous and constant XXXX and nobody should have to go through the XXXX XXXX XXXX XXXX of not having enough money to make it each and every month that goes by. The damages done to me are worth much more than my requested {$31000.00} and I could be adding much more to the invoice I have already sent for all the hardship that I was put through as a result of the abuse and deceit, but I will settle with the {$31000.00}. The civil liability sections under the Consumer Credit Protection laws that I have added into the letters, protect me as the consumer and hold XXXX liable to providing me with monetary remedy for the misrepresentation, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I created an account with Gemini on XX/XX/XXXX. Once I transferred funds over to purchase crypto, Gemini randomly froze my account. I reached out to report this issue and they had me send over ID information. Afterwards, they went unresponsive for days. I emailed them again to ask about the process and they sent a generic email with no information or update about my account. They lack in customer service and have not share information as to why my account is frozen or how to receive the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have already successfully disputed the inquiries that were recorded on my credit report that were a result of bad faith and identity theft. I am now writing to invoke my specified remedy for the damages done to my life. The damage done to my credit report and credit score due to the inquiries that were on my credit score hindered my ability to make critical financial decisions for my business, which is the source of my income. The damages that were done directly impacted my XXXX XXXX XXXX XXXX, have taken away my time & energy to fight for my rights as a natural person, and have affected my family relationships due to the XXXX XXXX. The abusive practices of elaborate mechanisms who assume a vital role in determining my credit standing have been tearing away at my life. It has made living this life a XXXX and XXXX XXXX and nobody should have to go through the XXXX XXXX XXXX XXXX  of not having enough to make it each and every month that goes by. The damages done to me are worth much more than my requested {$22000.00} and I could be adding much more to the invoice I have already sent for all the hardship that I was put through as a result of the abuse and deceit, but I will settle with the {$22000.00}. The civil liability sections under the XXXX XXXX XXXX laws that I have added into the letters I have sent protect me as the consumer and hold Equifax liable to providing me with monetary remedy for the misrepresentation, XXXX XXXX XXXX XXXX  done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
In XXXX of 2020, I opened a CoinBase account and invested {$1000.00} in Bitcoin through their platform. I got a new phone number about four months ago and have been unable to verify my identity through their two-step authentication process, so they disabled my account. We've tried submitting at least five " help tickets '' to get it resolved, and in each one I've offered to verify my identity by any means possible. It has only resulted in them sending us instructions that do not work at all, to which they " close '' the tickets as if they were resolved even though I respond to their " did we resolve your problem '' email with a definitive no. I've offered several methods to confirm my identity and haven't talked to a single real person and it's very suspicious that they're intentionally not letting verify my account so they can keep charging me fees for being on their platform with the hundreds of dollars I left in the account without me being able to do anything. I've read on online forums that CoinBase does this to hundreds of users by other first hand accounts. I've been denied access to my funds for nearly 5 months now. 

Here 's the most recent email word for word they sent me as a response to my most recent attempt : ( HEADER : Case # XXXX XXXX Phone number changed. I can verify my identity any way necessary ) " XXXX XXXX, Thanks for your patience while we looked for your email. It appears you have another account under the email : XXXX. For your security, were not able to provide the entire email. 

You can try using the email provided above to sign in to access your account. If you forgot your password, youll need to reset your password. You can follow the link below to do that : XXXX XXXX XXXXXXXX  Once you've signed into your account and recovered your funds, the account will need to be closed to comply with our policy of one account per person. 

Regards, XXXX XXXX '' We gave them the benefit of the doubt, tried logging into my father 's account, scrutinously searched every possible page within the account and found absolutely nothing related to another account being linked or anywhere that gave me the option to view or access my funds in my personal account. Yet another superficial response to a desperate help ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK

Complaint narrative:
My mortgage was sold to Carrington Mortgage Services LLC. My complaint is that I sent them a check for {$2000.00} along with a pay stub that was marked " for principal only '' on XX/XX/2021. On the check was written for principal only. In XXXX, I got a statement that only applied {$1000.00} to the principal. And they divided that {$2000.00} in 4 monthly payments and still deducted for interest and escrow. How is that legal? 

I wrote them, talked on the phone with them twice. I sent the copy of the check that they cashed and the copy of the statement that they sent me. They said that they had that fixed and refunded my XXXX payment and used part of the principal money to pay {$400.00} to the principal only. 

The principal balance in XXXX statement was {$19000.00}. In XXXX statement the principal balance was {$18000.00}. By my count, the principal balance should have been {$17000.00} after applying {$2000.00} to the principal. 

I have copies of the letter, the check and their statements to prove what happened. When we talked on the phone, the representative told me that it had been fixed. I do not believe it was fixed properly and they just stole that money that we used to try to get our payments lowered and work on paying off the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: OH

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

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