vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
My mortgage company failed to report my mortgage payment to the Credit Bureau which is affecting my credit scores and I have complained to this company multiple times to avail. This action has effect on my financial growth and well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: AZ

Complaint narrative:
I was contacted by a woman who sent me a XXXX friend request. In her text she asked if I would like to make more money to donate to a nonprofit I had started 12 years ago. She said that she was a senior financial advisor, CFO of a cosmetic medical company and just started her own company. She was buying and selling crypto coin options and could make a good profit. Over time she would encourage me to add money to my own options account that she showed me how to set up. Options were bought at Crypto.com and then sold on XXXX. I would send wire transfers from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  and they would send a transfer to Crypto.com where we bought the coin options, then sell them on XXXX. I was encouraged to take out loans since the balance was growing and they would be paid off the increasing account balance. My account got to {$350000.00} and I wanted to cash out my account to pay the three loans that were due soon. On XX/XX/23, under the directions of the XXXX XXXX, I tried to cash out my account. This is done on a Chat on the XXXX website. When I told them that I wanted my account to Crypto.com I was told that I needed to pay an additional {$140000.00} to be able to reach a level to get my money out or to trade again. Since the morning of XX/XX/23 I have not been able to withdraw my money or make a trade. I have no access to do anything on my account. I have screen shots and paper documentation for my entirety of this process. I have screen shot of the wire transfers on Crypyo.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I had been a victim of identity theft in the past. I informed Experian that the inquiry from XXXX XXXX, XXXX/XXXX/22 is unauthorized. This inquiry remains on my credit report.

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 2023-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
To whom it may concern, On XXXX XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my XXXX account ( managed by XXXX XXXX  ). On XXXX, I mailed check # XXXX to XXXX XXXX XXXX XXXX  to pay off the balance however, on XXXX the check was deposited by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) to a Misc Deposits account, despite I have never had an account with Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ). 

After opening XXXX disputes with XXXX XXXX XXXX XXXX  ( Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my XXXX account, due to the check not being cashed by XXXX XXXX  but being cashed by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) ( Please see attached check for confirmation ). 

To resolve this matter, I am requesting Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ), issue a check to pay the balance of {$880.00}, in addition to all interests and fees that have occurred from the time Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) deposited the check and collected debts without a reasonable basis, until the resolution of this complaint. 

Thank you for your assistance in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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 am interested in processing disputes for all of the inaccurate information on my credit report with transunion that is hurting my file. please delete & remove the data listed to help clear my file asap.

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 2023-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USDT and XXXX ETH from my Coinbase account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: EQUIFAX, INC.
State: WI

Complaint narrative:
EQUIFAX has a duty to the FCRA to report correct and accurate information on my credit report and file. However, they are NOT. EQUIFAX is reporting 7 inaccurate late payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and a 60 day late payment posted in XX/XX/XXXX. These are inaccurate and are supposed to be reporting as PAID AS AGREED. In addition, in accordance with 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the individual making the report. A transaction constitutes these late payments resulting in EQUIFAX violating my federally protected consumer rights. Furthermore, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, which violates 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.

Complaint narrative:
I made a one time purchase at XXXX and the sales person offered me this card. I explained that I did not want the card, because I would use it only at that particular moment and not anymore. I do not live in the US. The sales person guarantee that there would be no charges involved in making that application so I could use the card one time. There were no fees. I used my son 's address and told her. 
I was surprised with this letter from the debit collector. 
I reserve my rights to use a lawyer again the company if I have any further inconveniences for this matter. I hope the matter gets solved and wait for an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: EQUIFAX, INC.
State: AE

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: Experian Information Solutions Inc.
State: AE

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-31 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XXXX of XXXX, my account had been paid in full. 

In XXXX and XXXXXXXX XXXX XXXXXXXX, there had been fraudulent charges on my account. I didn't notice these until XXXXXXXX XXXX XXXXXXXX when I received a statement, claiming I had a balance past due. 

From XX/XX/XXXX to XXXX of XXXX, I had once or twice a week to report and resolve the charges. I had closed my account, and reported all charges, which were incorrectly flagged on their end. I continued to received notices of late payments and interest being charged to the account. 

There is currently a {$330.00} balance on my account consisting of late fees and interest from the fraudulent charges, that is still showing as 'Unresolved. ' I was instructed by Barclays to not make a payment, as they would resolve the fraudulent activity and all fees associated with it. 

I've asked for communication in writing, and Barclays refuses and says that is not possible. 

My account is closed, yet I have collections still reaching out to pay the balance, and it still shows up on my credit report, claiming that I am delinquent on this account. 

I've never missed a payment or been late on anything tied to my name, so it is beyond frustrating that I am still in a position of needing to fight for this to be resolved. It impacts my power as a renter when looking for a new home, or power to be able to open additional accounts in my name, yet I'm constantly reassured by Barclays that this is being worked out, however, is still unresolved all this time after initially reported.

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 2023-03-31 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: PA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have had issues with identity theft in the past. Apparently, someone has and still attempts to use my information to obtain credit services. There are several unauthorized inquiries on my Trans Union Credit Report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX  and XXXX XXXX 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 2023-03-31 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: AL

Complaint narrative:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-31 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I submitted a dispute with XXXX credit bureau on XX/XX/XXXX for a 30 day past due payment from Capital One. Payment was made before 30 days past due but due to the statement closing early Capital One reported this incorrectly. On XX/XX/ Capital One completed the XXXX dispute acknowledging the error and corrected the 30 Days Past due payment to Current for XX/XX/XXXX  on all three credit bureaus reports. Now Capital One has changed back the status for XXXX to 30 days past due and is refusing to correct the issue once I contacted them over the phone. This seems to have started due to XXXX incorrectly filing an additional dispute in XXXX causing the issue to be re-opened when I never requested them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This is to report a case of my being shortchanged of {$100.00} by a Bank Teller. 

I am reporting this matter in order to be made whole of the missing {$100.00}, and to inform authorities of a fraudulent behavior of a teller and of a need for Bank corrective action for this kind of teller malfeasance. 


On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bills from Chase Bank Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX. I was served by the Teller XXXX XXXX. Of the total, {$1300.00} in XXXX XXXX XXXX  were of the older bills, so I requested the Teller to replace them with fresh/new XXXX XXXX which are better accepted abroad. 

When I received the new bills, it was only for a total of {$1200.00} instead of {$1300.00}. I pointed this out to the Teller, who instead of checking if the total of the older bills I gave him was {$1300.00}, questioned me about what I did with the missing {$100.00}. Then he said he can not check the total amount of older bills I gave him. 

I reported this matter to the Branch Manager, by the name of XXXX XXXX. I showed XXXX XXXX the total amount of cash I have, {$1900.00} of fresh/new XXXX from the Teller, and my folded {$100.00} bill in my wallet which I had going into the Bank. The Branch Manager said he can not check the video surveillance nor can he check how much of the older bills I exchanged with the Teller. He said he was going to get back to me after the end-of-day Thursday, XX/XX/XXXX. He did not call me back. I followed up with him in person on Friday, XX/XX/XXXX, but all he said was that he reported the matter for investigation by Corporate and that their cash balance at end of day did not have a discrepancy. What he could not say was what if the Teller, instead of putting {$1300.00} into his cash machine, simply put {$1200.00} in and slipped the missing {$100.00} aside for his own benefit. Such action would not have been caught by a tally of branch cash at the end of the day. We also asked XXXX XXXX if he can show us proof that he has indeed escalated the incident to his management, and he said, he can not give us such proof. 

For the record, I and my husband are long-term checking account clients at Chase Bank and have withdrawn cash using the Teller services on many occasions over so many years including at this particular Branch. This incident on XX/XX/XXXX is the first time we have experienced a shortfall in the cash that was given to us by a teller.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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