vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
The account in question was opened without my knowledge or permission and I request this debt to be removed. XXXX XXXX is attempting to collect a debt that was open fraudulently.

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 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
The account in question was opened without my knowledge or permission and I request this debt to be removed. Portfolio Recovery is attempting to collect a debt that was open fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: AZ

Complaint narrative:
Got a phone call from XXXX, claiming to represent XXXX XXXX over an alleged debt from 2002. The whole issue at the time had to do with a bank error, and I turned it over to a consumer protection agency then. This company, when I tried to explain this, just said, okay then we'll just file the judgement. They also claimed to have sent a letter to my mailing address. I saw no such letter. 
They are of course a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX I reached out to original debtor pediatric anesthesia associates to advise that they were submitting the claim incorrectly and to resubmit claim with proper billing code. I also reached back out to XXXX the insurer to advise that I was having issues with the company not submitting the claim correctly. Claim was to be resubmitted by XXXX which I was unaware that it never happened. I started receiving phone calls everyday from GLA stating that I owed for a claim that was never submitted correctly. I received a summons XX/XX/XXXX filed XX/XX/XXXX stating they would garish my pay. XXXX finally resubmitted the claim themselves XX/XX/XXXX and paid claim in full. XXXX also reached out GLA and pediatric anesthesia associates to advise the claim was paid in full. GLA is still reporting the paid claim on my credit report and trying to collect full amount. I have disputed collection on XX/XX/XXXX and XX/XX/XXXX both investigation came back from credit bureaus that the amount GLA is reporting for collections is accurate and still owed even though I have submitted the EOB that shows claim was resubmitted and paid in full by XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I wrote the credit bureau on XX/XX/2021 about inaccurate accounts on my credit report and they did not respond within 30 days. I even gave them 15 days extra time and they still have not responded to my dispute. The inaccurate accounts are still reporting the same on my credit report, so they also did not conduct an investigation into my dispute. The FTC website says that according to the FCRA if the credit bureaus don't respond within 30 days they have to delete the accounts. I'm requesting these accounts be removed from my credit report immediately because they violated the FCRA by not responding and not conducting a proper investigation.

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 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Hello my name is XXXX XXXX XXXX, I have an account with Navy Federal Credit Union. Every month I deposit a check for the same amount of {$1200.00} from the same company into my account. It is usually released in about 2 business days. I called the credit union this morning and found out that it would not be released until XX/XX/22. I am in danger of being EVICTED from my home!!!!!!! I don't understand why I can't have these funds released. I was told that these funds are being held for " my protection '' but I am going to be homeless!!!!! That is NOT protecting me. I have deposited checks for much larger amounts and they did not have an additional 5 day hold put on them. I feel like I'm being targeted! I have not had any deposit I make into my account be returned. I begged the representative on the phone to please give me access to my funds, because I was in danger of being evicted and she had NO empathy. I understand that I am NOT valued as a customer and will start looking for other banking options as I'm sitting while I'm living in my car next week waiting for the my funds to be released.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: IL

Complaint narrative:
On XX/XX/2021, I sent a certified letter to LexisNexis Consumer Reporting agency. The letter included my personal dispute with the bankruptcy information that they are reporting. Included with my personal dispute, was a letter from the US Bankruptcy Court of Northern Illinois. The letter states the US Bankruptcy Court of Northern Illinois, does not report any information to any consumer reporting agencies or any consumer monitoring companies. I submitted these findings to LexisNexis, and they sent me a letter stating that they verified the information that they are reporting as accurate. This is a violation of my consumer rights and a violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: IL

Complaint narrative:
Good evening you have recently reported that XXXX and XXXX XXXX is reporting accurately on my report but i so happen to have a letter from XXXX saying you all are reporting inaccurate information late payments .Please update to paid as agreed .If you refuse, I will like to inform to You that you are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

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 2022-01-14 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: UPGRADE, INC.
State: IL

Complaint narrative:
Throughout XXXX, I was getting notifications via the Upgrade App that my account was past due, although I made the minimum payment. After the minimum payment was made, I continued to get notifications that my account was past due in the amount of {$2.00}, which should not have been the case but I paid it anyway. Days later, I received another notification stating my account was past due in the amount of {$2.00}, so I make another payment. Again, on XX/XX/XXXX, I received another notification stating my account was 29 days past due in the amount of {$0.00}. 

At this point I was very concerned and reached out to Upgrade support letting them know that I was concerned that my account was showing past due and I was further concerned that I would be reported as past due to the credit bureaus. I received a reply advising that these repeated notifications were due to a system glitch and assured that I would NOT be reported delinquent to the credit bureaus. 

Today, I received a notification from XXXX that my XXXX XXXX had dropped XXXX POINTS because Upgrade reported my account over 30 days delinquent in XX/XX/XXXX. This is absolutely unacceptable, inaccurate, and illegal. This error was already brought to their attention and even still I have endured serious consumer harm by way of my XXXX XXXX. I am very distraught. Please remedy immediately. Screenshots and company communication is attached here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: TX

Complaint narrative:
Equifax is showing a late payment on my credit file for XXXX  account # XXXX in XXXX of 2020. 
According to 15 U.S. Code 1666b.Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: NJ

Complaint narrative:
TRANSUNION has deleted inquiries from my consumer report as a result of identity theft, which they were suppose do to according to the Fair Credit Reporting Act. However, they did not compensate me for inaccurately furnishing information on my consumer report. Deletion of these items ( listed in the attachment below ) is admission of liability. According to the Fair Credit Reporting act, TRANSUNION willfully failed to comply with the requirement imposed under such subchapter and is now liable to me ; the consumer, for $ XXXX per deletion.

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 2022-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I checked XXXX price on XXXX then decided to check my coinbase account since I had not looked at it ( or maybe did a few times early on ) since I opened it 8 months previously It was locked - I could not figure out on the page how to get help to unlock it I XXXX  Coinbase login - opened a link. A Coinbase screen came up and asked me to type in the phone number connected to the account. I soon got a call from XXXX XXXX XXXX A woman with an XXXX accent led me through a series of steps to do 2 step verification of my account. Ultimately I activated the video camera to two windows on the bottom of the Coinbase screen and took a picture of my drivers license - front and back and then my own picture in another box. I could not access my account- it was still blocked. 
I spoke with her a few more times over the next few days. On XX/XX/XXXX I noticed my business bank account was low- when I checked there had been {$35000.00} deposited to Coinbase. I reported it to Coinbase and they started a fraud " investigation '' I finally accessed my Coinbase account XX/XX/XXXX and found It was emptied of {$60000.00} on XX/XX/XXXX Coinbase has been less than helpful in investigating or rectifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I wrote the credit bureau on XX/XX/2021 about inaccurate accounts on my credit report and they did not respond within 30 days. I even gave them 15 days extra time and they still have not responded to my dispute. The inaccurate accounts are still reporting the same on my credit report, so they also did not conduct an investigation into my dispute. The FTC website says that according to the FCRA if the credit bureaus don't respond within 30 days they have to delete the accounts. I'm requesting these accounts be removed from my credit report immediately because they violated the FCRA by not responding and not conducting a proper investigation.

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 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a chase checking account and recently made a XXXX  account for investing somebody hacked into my XXXX  account and made a fraud transaction of XXXX from my chase bank account need help getting money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: 1st Franklin Financial Corporation
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

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 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: NY

Complaint narrative:
I've asked XXXX and XXXX to VERIFY and VALIDATE the information reported on the Bankruptcy on my report for a year now. WHEN and IF they respond to my request they are keep sending me the same respond " We VERIFIED the account as ACCURATE with the reporting AGENCY LEXISNEXIS or 3rd PARTY company. 

I also received a letter from XXXX saying we verified the XXXX as ACCURATE and if you need more details CONTACT the COURT. 

I contacted the COURT and they sent me a letter that they DO NOT REPORT or SEND any INFORMATION about the PUBLIC RECORD to ANY BUREAU!! so WHERE and HOW did LEXISNEXIS and the other bureaus VERIFIED and VALIDATED the information if there is NO REPORTING to any of them or any of then have a way to get the information??? 

IT IS A COMPLETE VIOLATION of reporting according to the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation

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 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX, XX/XX/2021. XXXX XXXX XXXX XX/XX/2021. Bk of XXXX, XX/XX/2021. XXXX XXXX, XX/XX/2021. XXXX XXXX XXXX, XX/XX/2021. XXXX XXXX. These were through Experian that i have disputed and they will not remove.

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 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX - {$20.00}, XXXX XXXXXXXX XXXX - {$91.00}, XXXX XXXXXXXX XXXX - {$110.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$310.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$8600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1100.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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