vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, ( a natural person ) was issued a false debt. 

I do not owe such debt and this is a clear violation of my rights under Title 15 US Code Chapter 41 Commerce and Trade ( Subchapter 5 ) Fair Debt Collections Practices Act. 

I called XXXX XXXX XXXX in XXXX requesting that I be provided with validation to substantiate XXXX XXXX XXXX claim of an alleged debt. I spoke with them several times requesting an original contract with my wet ink signature providing documentary evidence that a legal contract exists between myself and this privately held entity named XXXX XXXX XXXX. I left over 7 messages for a manager with the company and received no responses. I have no contractual obligation to this company or this false claim. Again, this is a violation of my rights under Title 15 US Code Chapter 41 Commerce and Trade ( Subchapter 5 ) Fair Debt Collections Practices Act. 

I have spoken with Transunion on multiple occasions regarding the false debt. I informed them of all of the facts and affirmed that XXXX XXXX XXXX is committing fraud against me. Transunion continues to willfully keep the false debt listed on my credit report. Transunion is unable to validate the debt even though I have requested to be provided with an original contract with my wet ink signature providing documentary evidence that a legal contract exists between myself and this privately held entity named XXXX XXXX XXXX. Again, this is a violation of my rights under Title 15 US Code Chapter 41 Commerce and Trade ( Subchapter 5 ) Fair Debt Collections Practices Act. 

This is affecting my life I am undergoing extreme stress and emotional damage due to this nightmare. It is affecting my personal and professional life. I am unable to operate in the financial system properly with this false debt on my consumer report. I deserve justice for the trouble and harm this company is causing me by being complicit in violating my federal rights. 

Transunion continues to claim they need authorization from me to continue with an investigation. I am authorizing Transunion to address this matter for the sole purpose of removal of the alleged debt listed on my consumer report. I authorize and direct any consumer reporting agency to furnish a copy of my consumer report to the CFPB for the purpose of responding to and investigating my consumer complaint.

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 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
My device has hacking software add to it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have contacted all three credit company XXXX, Trans Union and XXXX regarding my credit reporting.Clearly there is some retaliatory behavior going on with these companies against minorities. I am requesting that your company address these issues with the credit bureaus. Clearly theres an accurate information that the credit companies refuse the report on my credit, along with the uncorrected information that I asked to be removed off my credit. I recently inquired from my bank XXXX XXXX XXXX XXXX that XXXX and trans union, and XXXX still have yet to remove that inaccurate information on my credit report such as name that are not Associate it with my credit addresses phone numbers and in accurate Social Security numbers that are not associated with my credit this is abuse of power and criminal. These credit bureaus have a way of ruining peoples lives and this is what they have done to me. This is my fourth time filing a complaint with the department and nothing has been done

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 2021-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2021-09-29 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: CA

Complaint narrative:
Hello, there are late payments on my credit report that need to be removed from XXXX bank. I send multiple letters requesting to remove inaccurate late payments from my credit report on XX/XX/2021 and on XX/XX/2021 to all 3 credit bureaus ( Equifax, XXXX and XXXX ). I have received letters from all 3 credit bureaus but none of them have been removed. I have never made any late payments to XXXX and need late payments removed. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, there are late payments on my credit report that need to be removed from XXXX bank. I send multiple letters requesting to remove inaccurate late payments from my credit report on XX/XX/2021 and on XX/XX/2021 to all 3 credit bureaus ( XXXX, XXXX and Experian ). I have received letters from all 3 credit bureaus but none of them have been removed. I have never made any late payments to XXXX and need late payments removed. Thank 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 explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
You shared information with a third party about my medical debt. MEDICREDIT, INC. ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. As data furnisher please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts.

The account has not been verified and no HIPAA release has been provided to me for any of the medical debt and reporting of radiological services. The HIPAA privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. HIPAA Regulations, the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of PHI, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( CFR ).

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 


MEDICREDIT, INCXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with the original signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted all three credit company Equifax, XXXX XXXX and XXXX regarding my credit reporting.Clearly there is some retaliatory behavior going on with these companies against minorities. I am requesting that your company address these issues with the credit bureaus. Clearly theres an accurate information that the credit companies refuse the report on my credit, along with the uncorrected information that I asked to be removed off my credit. I recently inquired from my bank XXXX XXXX XXXX XXXX that equifax and XXXX XXXX, and XXXX still have yet to remove that inaccurate information on my credit report such as name that are not Associate it with my credit addresses phone numbers and in accurate Social Security numbers that are not associated with my credit this is abuse of power and criminal. These credit bureaus have a way of ruining peoples lives and this is what they have done to me. This is my fourth time filing a complaint with the department and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have contacted all three credit company XXXX, XXXX XXXX and Experian regarding my credit reporting.Clearly there is some retaliatory behavior going on with these companies against minorities. I am requesting that your company address these issues with the credit bureaus. Clearly theres an accurate information that the credit companies refuse the report on my credit, along with the uncorrected information that I asked to be removed off my credit. I recently inquired from my bank XXXX XXXX XXXX XXXX that XXXX and XXXX XXXX, and experian still have yet to remove that inaccurate information on my credit report such as name that are not Associate it with my credit addresses phone numbers and in accurate Social Security numbers that are not associated with my credit this is abuse of power and criminal. These credit bureaus have a way of ruining peoples lives and this is what they have done to me. This is my fourth time filing a complaint with the department and nothing has been done

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 2021-09-29 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: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: DISCOVER BANK
State: IN

Complaint narrative:
I had a Discover Bank secured credit card that they closed in Late XXXX due to an identity theft issue that I was experiencing. I paid the balance to a XXXX balance in XXXX of XXXX and the account should have been closed with no late payments... They knowingly continued to report the account was open through XXXX and reported 5 late payments thus ruining my credit reputation and severely harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: AZ

Complaint narrative:
I reached out to the company via phone before a payment was made to this account advised of a pay to delete and i was granted that information if i processed the payment they would delete the account in full so i processed the payment afterwards i never received anything from this company but they did make sure to updated my credit report showing paid but never removed the account from my credit report as i was granted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
I contacted yall today to updated my address to motel address I am staying at because I dont have access to my old address no more to get my new card but your agent told me I cant I want yall to update my address from XXXX XXXX XXXX XXXX XXXX PA XXXX to XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29 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: AK

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report and its been well over 60 days and I haven't received any investigation results. Also the disputed accounts are still being reported on my credit reports and the company has yet to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature, As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : -Defamation -Negligent Enablement of Identity Fraud -Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) -Violation of the Fair Credit Reporting Sect ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I opened an account with coinbase inc online at coinbase.com since XX/XX/2021 I have no more access to my funds. No matter how much correspondence I send to Coinbase to allow me access. No matter how many times i send them picture of my id and picture of me holding my id. Coinbase rejects my id verificatuon everytime, day after day since XX/XX/XXXX and on. 
I can not retreive my miney nor talk to anyone at coinbase. Its robbery with a digital excuse. 
Coinbase doesnt take phone calls or publish a customer service phone number, every communication to be done by email with a week for an answer. It continue on n on without resolution. 
TOTALLY DISLOCATED SUSYEM, ABUSIVE and SWALLOWS PEOPLES HARD EARNED MOMEY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bank of Baroda - New York Branch

Complaint narrative:
I HAD A BANK OF BARODA CREDIT CARD. I APPLIED TO CLOSE THE CREDIT CARD IN XX/XX/XXXX AS THEY WERE CHARGING ANNUAL MEMBERSHIP FEES OF XXXX WHICH THEY DID NOT MENTION WHILE ISSUING ME THE CARD. I PAID THE MEMBERSHIP FEES IN XX/XX/XXXX AND APPLIED FOR THE CLOSURE OF THE CARD. 

I RECEIVED AN EMAIL MENTIONING THAT THE CLOSURE OF MY CARD HAS BEEN APPROVED. 

SUDDENLY IN XX/XX/XXXX THEY AGAIN SENT ME A STATEMENT CLAIMING FOR THE MEMBERSHIP FEES. WHEN I PRODUCED THEM ALL THEY DOCUMENTS, THEY ARE CLAIMING THAT I HAVE TO PAY THE MEMBERSHIP FEES AND THEN ONLY MY CARD WILL BE CLOSED. 

THESE GUYS ARE COMPLETE FRAUD. THEY ARE DIRECTLY THREATENING ME. I WANT STRICT ACTIONS AGAINST THEM AND ALSO COMPENSATION FROM BANK OF BARODA FOR CONTINUOSLY THREATENING ME.

Company response to consumer: Closed with explanation