vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I received my credit report from Experian and I contacted them about their inaccurate reporting of my name, date of birth, and my address. 
Experian shows the following inaccurate items on my report : My name is XXXX XXXX XXXX and their inaccurate reporting shows : XXXX XXXX XXXX which is incorrect. 
My birthdate is XX/XX/76 and their inaccurate reporting shows : 1976 which is incorrect and can be millions of other people. 
My address is XXXX XXXX XXXX, XXXX XXXX, MO XXXX and their inaccurate reporting shows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, il XXXX which I can not receive mail at this location.

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 2021-05-30 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: Bread Financial Holdings, 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. This account is paid in full from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. 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. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an 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 2021-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
on XX/XX/2023, i sent letters to the CRAs ( XXXX, EQUIFAX, AND XXXX  XXXX disputing the inaccurate personal information that they are reporting on my credit report that can lead to identity theft.Asking them to update and correct it as soon as possible and i have attached copies of the letters below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
on XX/XX/2023, i sent letters to the CRAs ( XXXX, XXXX, AND EXPERIAN ) disputing the inaccurate personal information that they are reporting on my credit report that can lead to identity theft.Asking them to update and correct it as soon as possible and i have attached copies of the letters below.

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 2021-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021, I received a letter from a collection agency stating that I owed XXXX {$330.00}. I knew this was false because I have never used XXXX, nor have I even ever opened up an electric bill in my name. I had roommates and another address and our electric was through a different company and it was in my roommates name. I lived at my previous address for two years, which outdates this false claim to me, being 1 year ago. 

So, number 1, I have never had an electric account in my name. Number 2, the address listed on my my credit report that is associated with the XXXX account is not mine. Number 3, I lived at my previous address for 2 full years which outdates this false claim. Please help.

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 2021-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
I tried to pay my balance of XXXX to my capital one credit card account from XXXX not knowing that they do not do Anch transfers I received a notice that my account had been closed because the transfer didnt go through I used my other account to make the payment but capital one is saying they closed my account because of fraud when nothing was fraudulent both accounts are in my name and I have bank statements to prove it I called and told them they placed me on hold and never transferred me to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: WA

Complaint narrative:
I RECIEVED A LETTER FROM A COMPANY CLAIMING TO BE AMERICAN CORADIUS OUT OF XXXX NY CLAIMING I OWE XXXX XXXX. MY XXXX WAS PART OF A DEBT CONSOLIDATION SEVERAL YEARS AGO AND IT WAS SETTLED. IS THIS COMPANY LEGIT? THEY ARE NOT GETTING ANY MONEY FROM ME. WHAT SHOULD I DO?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My purse was stolen from my vehicle which had all my credit cards and DL and SS card, several accounts were opened in my name, and used.

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 2021-05-30 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 sent a letter to XXXX, XX/XX/2021, disputing inaccurate accounts on my credit report. They have not provided proof of the accounts, I asked to verify the accounts they listed and they haven't, nor have they responded or removed the information.

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 2021-05-30 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: CA

Complaint narrative:
I sent a letter to XXXX, XX/XX/2021, disputing inaccurate accounts on my credit report. They have not provided proof of the accounts, I asked to verify the accounts they listed and they haven't, nor have they responded or removed the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent the bureaus a letter on XX/XX/2021 ( more than 30days ago ) stating that the account listed on my report was inaccurate. I sent a letter confirming that as well from the creditor. 

1. The following account is not mine XXXX XXXX XXXX. XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: Rozlin Financial Group, Inc.
State: SC

Complaint narrative:
On XX/XX/2021 Rozlin Financial added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am not responsible for this account.Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send me a bill and say its mine. According to FCRA, Rozlin Financial has violated my rights as a consumer and Im requesting legal action to from this account from all credit agencies immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: NY

Complaint narrative:
I sent the bureaus a letter on XX/XX/2021 ( more than 30days ago ) stating that the account listed on my report was inaccurate. I sent a letter confirming that as well from the creditor. 

1. The following account is not mine XXXX XXXX XXXX. XXXX Account Number : 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 2021-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 at approx XXXX i notices my coinbase account and emails had been breeched. On the coinbase home screen there were address logging in to my account by the minute ... a full page full. I began removing the charges one by one and then coinbase disabled the account due to fraudulent activity. However, my email address and phone number associated with the account were changed. My emails were filtered to go to an unknown address so I didn't receive notifications. I have most of my assets in the coinbase vault which requires approval from 2 email accounts but both of those were breeched. I never received an email regarding whether or not the coinbase vault withdrawals were initiated ... but if they were, those notifications were sent to another email or deleted. The account was set for recover on XX/XX/XXXX. The email address I started coinbase with was closed by the hackers but I have a private investigator and we are in the process of reconstructing it. Time is of the essence. I still have the original phone that I started the account with so I don't understand how they were able to change the phone number without facial recognition. I had around 190 thousand dollars in this account and I did not approve any withdrawals or liquidations. As time passes ... the hackers/scammers just have more time to figure out how to get into my account. I initiated support tickets immediately, and everything should have been shut down well before the 48 hours before vault funds are moved. Original documents should be asked for to prove identity being that the hackers had access to my account passwords. These include original bank statements. Photo uploads of drivers license and not file uploads. Some investigation of the validity of the original phone number used and a trace of the phone number that the account was changed to. I've set up several email addresses to communicate with coinbase, and they get hacked as well. Passwords changed. To keep me from communicating and knowing the updates to my account. As of right now the log in says that my account doesn't exist. This should not be difficult to trace if everything wasn't automated. A simple phone call can save people their life 's savings

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I had about XXXX in crypto in my account In the evening of XX/XX/XXXX my money was gone and there was XXXX Bitcoin The XXXX was an attempted charge on my debit card that thy fronted in my account but is denied because I dnt have those funds After dealing with my bank it seemed like my acct was compromised Coinbase keeps telling me about insufficient funds in my account to fund the XXXX Bitcoin purchase when ch was not me But still has not responded to where my XXXX dollars went Where and who stole my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synergetic Communication Inc
State: PA

Complaint narrative:
Assignment clause Notarized letter of debt purchase Signed contract from original I'm asking for them to prove 100 % verified or validation. This collection agency has not proved that with this account. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally The FCRAs Rules for Credit Reporting Agencies The FCRA grants you certain rights and protections from CRAs. Under the FCRA, CRAs are obligated to : Grant you free access to your credit report Limit other companies access to your credit report Control how long items can stay on your report Give you the right to dispute items listed on your credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Trial modification, approved permanent, signed documents on XXXX XXXX. To this date, Wells Fargo has not returned my documents, I have called Wells Fargo many times, they are to busy it will take weeks before my modification would be finalized.

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 2021-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I tried to solve this issue but the bank has insulated itself making it unreachable.

I never opted for paperless statements and Synchrony Bank Chose to act unilaterally and without my consent.

The bank also charged a delinquency fee and hurt my credit report on a debt that I never generated and that I did not owe. 

The bank never called me or made any attempt top contact me regarding this debt. 
I never used the card to begin with and the charges appear fraudulent or it was billed without my approval or consent. 

I was charged for a movie pf XXXX that I never authorized ....

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 monetary relief
Consumer complaint received 2021-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: OH

Complaint narrative:
My Binance.US account has been blocked and have been unable to trade since XX/XX/2021. There is no customer support but only robots responding. Im still able to log in and but unable to withdraw XXXX or sell or buy any crypto. Im still able to deposit usd. Thats why I have XXXX  available but I cant even withdraw it. It originally was from a chargeback but I made a deposit that fixed the chargeback and got a email 45 days later saying looks like youve fixed deposit and account will be enabled within 7 days and still no response its been another 45 days and still no response. And account is still disabled. I originally had XXXX in there then deposited another XXXX and value was XXXX usd then. Every day my value is going down and unable to buy trade or withdraw. Feels like I got scammed Binance. Us needs to be held accountable its thousands of users on XXXX  with the same experience and Ive been pretty patient but now this is unacceptable. I get response from robots saying issue resolved and that if I need anything else respond back but Ive yet to receive any correspondence all the while the market is crashing and Im losing value everyday. My support ticket number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello, My paypal account was locked and my funds my hold now I can not manage my account nor withdraw my money. I already contacted paypal for this matter but they said I did an unusual activity or something like that. I didnt do anything bad and now it is locked. I just wanted to withdraw my remaining funds at my paypal account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello, Paypal permanently restricted my account for reasons i am not sure of. Every information i filled in my registration process was original, Current and Legit. I am a XXXX  who produced XXXX words of copy for my Client and he reciprocated by sending me a {$500.00} dollar advance fee. He later sent an additional {$200.00} for me to run XXXX promotions for him. I tried withdrawing the money but couldn't. PayPal requested for my Card statement. I went to my bank the next day and obtained it directly from my Bank and sent to PayPal. 

The next morning i woke up to a Your Account Has been Permanently restricted Message from papal. I have no idea why. I took Pains to go through the registration process in order to avoid any hitch. I tried reaching out to PayPal but couldn't get to them I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. 

Here is my Email linked to my PayPal Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: CA

Complaint narrative:
I have requested my credit report on five separate occasions. They won't give me a report, I am being denied credit and being denied access to review and correct my report. Transunion refuses to let me review and dispute inaccurate information. I am being held XXXX by this unscrupulous credit bureau.

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 2021-05-30 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: TX

Complaint narrative:
There is a delinquent account listed on my TransUnion credit report. The account listed was never opened by me and yet TransUnion refuses to remove it from my credit report. I disputed this with TransUnion and they wrote back that it was verified with the lender. If an account was opened, this was done fraudulently and without my knowledge. I have the following information : Original creditor listed : XXXX XXXX XXXX balance : {$710.00} Listed date account was opened : XXXX As I stated above, I never opened this account, and no one ever contacted me during this so called " investigation '' by TransUnion. This account is not mine.

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