vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am disputing about 5 credit accounts that I found out I had on Experian. I have contacted the credit card company over and over. They all keep telling me that I knew about it and it is legit. That is bull. It could have been a number of people that could have done this. We helped people out all the time that stayed with us. We even found out a couple that we thought were true ended up being who knows who that gave us alias names and disappeared. And as far as the bills or statements go they say I got, I never have seen a one of them until now and it is because my husband isn't here anymore nor are his friends. But I can't prove anything but my word and my true story. I am tired of repeating. I just need to get these disputes done. Please help me. I can not afford their mistakes, whoever they are. This dispute is with XXXX XXXX XXXX XXXX, XXXX. 
The client of them is XXXX XXXX, XXXX. Original creditor was XXXX. For the amount of XXXX. I have been disputing through Experian but nothing happens but them saying I am liable. Well, no I am not. Someone else did this. And they always used my phone too. How ignorant I was then. I am definitely treating people with suspicious nature now. Can't trust anyone. Please help me clear my credit score up for these peoples mistake. I can't even rent an apartment right now.

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 2021-08-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
request for an investigation into and request for the reversal of the fraudulent charge, interest fees and late fee, due to, caused by and as a result of the transaction /purchase on XX/XX/2021, posted on XX/XX/2021. Cardholders were without any knowledge of the above transaction/purchase, nor did the cardholders ever authorized XXXX ; XXXX XXXX ; nor any other merchant to process any such transaction, whether online, by telephone, in-person or in writing on above on the XX/XX/2021 date or any other date. Therefore, cardholders credit card number and information were comprised, stolen, fraudulent obtained and used illegally and unlawfully by XXXX., and others in the above fraudulent transaction/purchase. 

Cardholders tried multiple times to resolve the matter with the merchant, and others since XX/XX/2021 through XX/XX/2021, however to no avail. Cardholders tried multiple times to contact CapitalOne via telephone to dispute the charges and interest fees, however due to high call volumes, were unable to get any assistance over the telephone. Therefore, Cardholders request the names, identities, and addresses of the person or persons within the company, organization or agency, that used the credit card information and processed the fraudulent unauthorized transaction/purchase on XX/XX/2021. 

Futile efforts attempting to resolve the matter caused a loss of time and effort, resulted in the missed due date for the Capital One monthly payment for XX/XX/2021. Upon receipt by Capital One, of this formal written complaint and request, Cardholders request an immediate reversal of the XX/XX/2021, fraudulent unauthorized transaction/purchase, any and all resulting interest fees and late fee charges. Cardholders reserve the right to amend the above statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-08 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 — Problem with personal statement of dispute
Company: First National Collection Bureau, Inc.
State: AR

Complaint narrative:
I am disputing about 5 credit accounts that I found out I had on XXXX. I have contacted the credit card company over and over. They all keep telling me that I knew about it and it is legit. That is bull. It could have been a number of people that could have done this. We helped people out all the time that stayed with us. We even found out a couple that we thought were true ended up being who knows who that gave us alias names and disappeared. And as far as the bills or statements go they say I got, I never have seen a one of them until now and it is because my husband isn't here anymore nor are his friends. But I can't prove anything but my word and my true story. I am tired of repeating. I just need to get these disputes done. Please help me. I can not afford their mistakes, whoever they are. I do have 2 credit cards now that I opened and I am paying for. I know about those. First National Collection Bureau , Inc . Contacted me re : creditor XXXX XXXX XXXX for the amount of XXXX. They also have my address wrong, somehow this statement ended up with my parents address on it. Don't know what is going on. They sent this letter XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am disputing about 5 credit accounts that I found out I had on Experian. I have contacted the credit card company over and over. They all keep telling me that I knew about it and it is legit. That is bull. It could have been a number of people that could have done this. We helped people out all the time that stayed with us. We even found out a couple that we thought were true ended up being who knows who that gave us alias names and disappeared. And as far as the bills or statements go they say I got, I never have seen a one of them until now and it is because my husband isn't here anymore nor are his friends. But I can't prove anything but my word and my true story. I am tired of repeating. I just need to get these disputes done. Please help me. I can not afford their mistakes, whoever they are. I do have 2 credit cards now that I opened and I am paying for. I know about those. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contacted me re : creditor XXXX XXXXXXXX XXXX for the amount of XXXX. They also have my address wrong, somehow this statement ended up with my parents address on it. Don't know what is going on. They sent this letter 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
Consumer complaint received 2021-08-08 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I disputed a charge for items promised to ship within 5-8 days that failed to ship within 30 days and for which I had no confirmed ship date after two inquiries with the merchant ( XXXX XXXXextremely dishonest and evidently the source of frequent complaints ). 3 weeks after starting the dispute, the merchant finally shipped ( 8 weeks after purchase and after explicitly being told the order was refused and a refund was expected ). The box was returned unopened to the sender as a refused delivery.

Chase did not process a refund/chargeback despite evidence of ( 1 ) failure to ship merchandise on time, ( 2 ) breach of 16 CFR 435.2, and ( 3 ) evidence of order cancellation. Chase has left a charge on my account for merchandise not in my possession, and I find this unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have tried several times to login my credit report on Equifax with no luck. I can reset my password and after that I cant login. I have spoken with their tech support and they couldnt help. I need to dispute an account on my report. As for the dispute I was an authorized user on my Mothers account which I requested to be canceled. The other reporting agencies have deleted the information from my account but for some reason it still shows up on equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: GA

Complaint narrative:
Experian tries to get me to pay them a monthly fee in order to raise my credit rating, a credit rating which they generate. They also lower my credit score and make many more attempts to get me to borrow money when I pay off my debts.

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 2021-08-08 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: CITIBANK, N.A.
State: TN

Complaint narrative:
I have tried several times to login my credit report on XXXX  with no luck. I can reset my password and after that I cant login. I have spoken with their tech support and they couldnt help. I need to dispute an account on my report. As for the dispute I was an authorized user on my Mothers account which I requested to be canceled. The other reporting agencies have deleted the information from my account but for some reason it still shows up on 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 2021-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX Stated on XXXX  XX/XX/2021. A guy saids its pass the XXXX and my payment was returned by them on XX/XX/2021. I want the information deleted and a copy of the time barred letter promise. No letter still.

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 2021-08-08 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: GA

Complaint narrative:
Equifax is allowing XXXX Bank to furnish inaccurate information on my report! I disputed this alleged charged-off account XXXX before on the here ( The Consumer Financial Protection Bureau website Complaint ID XXXX ) I stated the alleged account has the wrong date of first delinquency with proof of the payment history calendar contradicting the date of first delinquency. Yet Equifax Verified the alleged account. Then sends me a credit report stating the alleged Data furnisher/Creditor has verified that the date of last activity is reporting correctly yet the credit report did not furnish any date of last activity or date closed for the account however they did furnish the same inaccurate date of first delinquency this is inaccurate and incomplete reporting at best!!!

I also Disputed the date of this Alleged account of first major delinquency with XXXX  received the same response. XXXX  XXXX they did an investigation but when they allegedly " updated the account '' The status date was not updated and is still outdated by 3 years which is a violation. 

XXXX  Claims that XX/XX/2018 is the last payment but the alleged payment calendar suggests it is XX/XX/2018 both dates can not be correct and both are not consistent with the alleged date of the first major delinquency shown on Equifax which means all 3 credit reporting agencies are furnishing inconsistent data I demand a reinvestigation on this alleged charged-off account immediately. After the reinvestigation I want this alleged charged-off account deleted immediately If this alleged charged-off account is verified I demand the credit reporting agency to upload/send a method of verification to this consumer portal or to mail it to this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX who I have given power of attorney to, to handle this unethical reporting by the aforementioned credit reporting agencies I want to know who was contacted when you contacted them, the name of the representative who was contacted with the date of the investigation, and the procedure you utilized. Section of 611 ( a ) ( 7 ) states that you must give me : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: MI

Complaint narrative:
Many of my rights under the Fair Credit Reporting Act have been violated. Although the original contract was not provided as I asked, they provided documents that stating factual evidence to support their assertion and did not interview my friends, family, neighbors, or associates like the law requires in 15 USC 1681 ( a ) ( 3 ) ( e ) under the exclusion section. They are also in violation of 15 USC 1681 ( a ) ( 2 ) ( b ), and 15 USC 1681 ( a ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
This debt is not mine. I have had this debt show up previously from XXXX with another collections company in which I disputed the debt and was it was removed and never validated. Now it has been sold to another collections company and the debt is not mine and has not been validated at request. Please remove debt or send proof of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: GA

Complaint narrative:
XXXX  is allowing XXXX XXXX  to furnish inaccurate information on my report! I disputed this alleged charged-off account XXXX before on the here ( The Consumer Financial Protection Bureau website Complaint ID XXXX ) I stated the alleged account has the wrong date of first delinquency with proof of the payment history calendar contradicting the date of first delinquency. Yet XXXX  Verified the alleged account. Then sends me a credit report stating the alleged Data furnisher/Creditor has verified that the date of last activity is reporting correctly yet the credit report did not furnish any date of last activity or date closed for the account however they did furnish the same inaccurate date of first delinquency this is inaccurate and incomplete reporting at best!!! 

I also Disputed the date of this Alleged account of first major delinquency with XXXX  received the same response. XXXX  Claimed they did an investigation but when they allegedly " updated the account '' The status date was not updated and is still outdated by 3 years which is a violation. 

Transunion Claims that XX/XX/2018 is the last payment but the alleged payment calendar suggests it is XX/XX/2018 both dates can not be correct and both are not consistent with the alleged date of the first major delinquency shown on XXXX  which means all 3 credit reporting agencies are furnishing inconsistent data I demand a reinvestigation on this alleged charged-off account immediately. After the reinvestigation I want this alleged charged-off account deleted immediately If this alleged charged-off account is verified I demand the credit reporting agency to upload/send a method of verification to this consumer portal or to mail it to this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX who I have given power of attorney to, to handle this unethical reporting by the aforementioned credit reporting agencies I want to know who was contacted when you contacted them, the name of the representative who was contacted with the date of the investigation, and the procedure you utilized. Section of 611 ( a ) ( 7 ) states that you must give me : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description listed above.

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 2021-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
These companies have violated 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. They have failed to realize these mistakes on your behalf and should remove these items immediately. You have also failed to recognize that only I, the original creditor, can verify. This is an incorrect use of my credit report because this should be excluded from my report. They have also violated 15 USC 1681 ( a ) ( 3 ) under the exclusion section by including medical information on my credit report. Please resolve this matter quickly. I have been denied places to lay my head, obtain transportation, and even financial support. Thank you for your help in this.

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 2021-08-08 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:
Mr XXXX XXXX XXXX Dear ladies and gentlemen I have been receiving cryptocurrency to my coinbase account for 2 years. 
XXXX my account has been blocked. I contacted support XXXX Case # XXXX. I described my problem to him. And now my money has been blocked for a mo

nth. Technical support is not responding to my messages. I had about {$6000.00} on my account. commerce.coinbase.com

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: MI

Complaint narrative:
Many of my rights under the Fair Credit Reporting Act have been violated. Although the original contract was not provided as I asked, they provided documents that stating factual evidence to support their assertion and did not interview my friends, family, neighbors, or associates like the law requires in 15 USC 1681 ( a ) ( 3 ) ( e ) under the exclusion section. They are also in violation of 15 USC 1681 ( a ) ( 2 ) ( b ), and 15 USC 1681 ( a ) ( 3 )

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 2021-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Netspend Corporation
State: KY

Complaint narrative:
The XXXX XXXX trying to redeem the funds and I've been receiving payment Via email but the funds aren't in my XXXX account

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 2021-08-08 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: MI

Complaint narrative:
These companies have violated 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. They have failed to realize these mistakes on your behalf and should remove these items immediately. You have also failed to recognize that only I, the original creditor, can verify. This is an incorrect use of my credit report because this should be excluded from my report. They have also violated 15 USC 1681 ( a ) ( 3 ) under the exclusion section by including medical information on my credit report. Please resolve this matter quickly. I have been denied places to lay my head, obtain transportation, and even financial support. Thank you for your help in this.

Company response to consumer: Closed with explanation