vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 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: NC

Complaint narrative:
604. Permissible purpose of consumer reports : In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 

15 U.S.C. 1681b ( a ) 2 In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

602. Congressional findings and statement of purpose [ 15 U.S.C 1681 ] ( a ) Accuracy and fairness of credit reporting. 

U.S.C. 1666b. Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an opened end consumer credit plan as late for any reason. 

FCRA 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS, Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( A ) Subject to section 1681-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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.

Complaint narrative:
identity theft ... ive been DEPORTED in XXXX since appx 2009 and yet still get credit opened falsely in my name in XXXX and XXXX ...... please not all my credit info was taken by XXXX and XXXX,,,,, ,my property, money, I.Ds and how can i complain if i dont have a XXXX address ... XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX how can i live survive without credit? what did XXXX do? i am not let to get an anual report free... i am a us XXXX honoribly XXXX XXXX  XXXX XXXX please help my email is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
identity theft ... ive been XXXX  in XXXX since appx XXXX and yet still get credit opened falsely in my name in USA and XXXX ...... please not all my credit info was taken by XXXX and XXXX,,,,, ,my property, money, I.Ds and how can i complain if i dont have a usa address ... XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX how can i live survive without credit? what did XXXX do? i am not let to get an anual report free... i am a us XXXX XXXX XXXXXXXX XXXX XXXX veteran please help my email is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: WI

Complaint narrative:
I have reached out to all 3 credit agencies but was not resolved. I have been violated according to the laws of the FCRA which states, " I have the the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information, I have the right to ask that a consumer reporting agency block that information from your file. '' I have filed a report with the consumer federal trade commission as well and I have attached that report to this complaint as well.

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 2022-04-07 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: NY

Complaint narrative:
It has been over 30 days since I've sent a dispute letter to this agency to investigate incorrect information in my consumer report. This agency has yet to notify me of any investigation findings. This negligence has greatly affected my ability to engage in commerce

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 2022-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I contacted an advertisement in XXXX XXXX  selling a XXXX XXXX XXXX XXXXXXXX. 
The text me and send me information about the XXXX via email. Send me a link with the photos. They used a fake XXXX website so i will trust them. The asking price XXXX including shipping. She says she travels a lot with her husband and want it to do the deal through XXXX 's buyer protection program. She said she had a contract with XXXX XXXX  to do the deal on her behalf. She said was listed in XXXX too. She sent the link to see it in the XXXX web site. ( was a fake web site ). She says i need to hit the buy it now botton and follow the instructions to do exactly what they said. She urged me to do the deal because there were other serious buyers and she will cancel all other offers. She added there were a few buyers asking for the motorhome. 
I want it so i hit the buy bottom. 
Got another email supposed to be from XXXX. Asking for my DL and ans assure me that XXXX XXXX will hold the momey wire until i verified the car and title. They assure me they are a third party in the transaction and they will put the money in XXXX escrow account. 
They verified my id and asked for a selfie of me. I sent all. ( STUPIT ME ) SENT to coinbase Inc account they asked me to send XX/XX/XXXX $ XXXX IN A WIRE and did not have the rest of the money so sent XX/XX/XXXX, a wire for $ XXXX with my other account. They replied that they got XXXX only. And want it me to re send the XXXX back again ( i smell the scam by then ) called the bank inmmediatly to cancel the wire. I got back the XXXX in my XXXX XXXXXXXX XXXX account But the XXXX was gone. XXXX XXXX The bank told me coinbase inc withdrawed the funds and closed the account.The scammers never replied back to me. I got scamed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
Credit Bureau Associates of GA located in XXXX, GA reported XXXX ( XXXX ) medical bill balances to my credit report without sending me notices in the mail. According to the Federal Credit Report Act you have to notify in writing prior to reporting to ones individual credit report. I had no knowledge of these balances. I would have paid the balances from the start of the original credit would have sent me the notices in the mail and they fail to do so also. On the other hand, the new law that was passed in XXXX was violated also. A medical collection debt can not be placed on ones credit reporting until after 6 months of medical provider receiving explanation of benefits from the patients insurance company. CBA reported before the 6 months which violates my rights as a consumer. I will be contacting the attorney general and requesting an audit for all their accounts and possibly generating a link for consumers to sign a petition for the negligence this company has caused. Also, I will be filing a claim in court if these XXXX accounts are not removed. Im more than happy to pay the doctor if I owe the amount but creditors should not be allowed to file until they have the resolved info. I filed a grievance with Ambetter insurance back in XXXX for the type of services and treatment I received from the orthopedic. Per XXXX XXXX I was informed not to pay anything until their investigation was finished. XXXX XXXX requested documents from Georgia XXXX and never received the documents. I will be having my attorney reach out to Georgia XXXX for all the paper. XXXX has crossed all boundaries and will be dealt with. All of this happened while the worst thing was going on in the world XXXX. As a military veteran who has fought for this country I despise a company and organization like this. I will also be contact the veteran administration and get them involved as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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:
In accordance with the fair credit reporting act XXXX account # XXXX XXXX  account # XXXX, XXXX  account # XXXX, XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C.1681 section 602A. states i have the right to privacy.

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

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 2022-04-07 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:
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX This is not my account. I have reached out to them 8 times asking to remove this account. The FRCA states all information reporting should be accurate. This is not my account. I also asked for proof of this account and I was never giving any documentations because its not mines Please remove it from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: AUTOMOTIVE CREDIT CORPORATION
State: PA

Complaint narrative:
The response given is based of recent events. Authorization was recently given however in XXXX, XXXX and XXXX they would not speack to XXXX XXXX with out my ok. I couldnt give an ok cause I was in the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Even on the phone call today on XX/XX/22 the representative would only let XXXX talk about one of the 3 accounts since she wasnt listed in the other 2.

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 2022-04-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
We are trying to payoff a mortgage with Cross Country Mortgage and have been trying to do so for an entire month. The interest rate is very high. The mortgagee was my husband and he passed away. We have the new company who are ready to pay the mortgage off. The mortgage has a second loan which was created during the pandemic of XXXX. The new mortgage company has requested that Cross Country send the modification agreement to clarify the XXXX. Cross Country has stalled this process causing another payoff statement to be requested. We pay this company religiously and the rate were now paying is 6.5 % z We have a much lower rate secured. Our new lender has tried everything to get this information and so have we. This causes us to remain in loan with a very high rate. Please help us to get out of this high rate mortgage. While this is occurring, the payments are still being made. My income is minimal and I need relief from this loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
On XX/XX/XXXX I was served with a summons to appear in court on XX/XX/XXXX for a civil matter from Midland Funding LLC which bought a charged off debt from XXXX XXXX Bank on XX/XX/XXXX for a credit card with the last XXXX digits of the account ending in XXXX which had a statment included on summons. One statement shows a balance of {$25.00} made on XX/XX/XXXX. I never made a payment to this account nor have I had a card from this company in XXXX. I currently have 2 credit cards with XXXX XXXX Bank that are active and in good standing. Midland Funding LLC never reached out via phone or mail to provide me any attempt to collect a debt because I could have address this issue 6 years ago. This company or any company on this matter does not exist on my credit and I don't even show a XXXX XXXX Bank card from XXXX on all 3 credit companies. XX/XX/XXXX was the first time I have heard of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I just received a random call about a fraud charge on my Chase XXXX starting with XXXX ending with XXXX. This card had already been closed previously. But, he reported that it is being used in Ohio and it was reported as fraud. Also, he reported that there's currently over {$4000.00} charges due on this card ; which is ridiculous. 

Phone # : XXXX from caller This person had the last 4 digits of my SS #. My full name and my current residing address. 

Please report this unknown person. 
I hung up on him when I realized this card had already been closed a while ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXXXX/XX/2022

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 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime Bankgave me provisional credit for my dispute but then removed it because they basically sayin Im lying. I lost my freaking wallet with my id and PIN number in it but apparently Im lying.Calling A customer A liar tho thats crazy. The money that Im earning is going towards the negative balance and thats not freaking ok. Chime clearly doesnt understand that I need my money and Im human not A robot I need to use money just as well as everyone else they need to fix my account and apply the original dispute amount back on there because they are treating me like XXXX and Im tired of them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
i made a complaint against XXXX XXXX  and my complaint was handled very poorly by CFPB i sent alone with my complaint two pieces of evidence that CFPB did not send with my complaint when this was brought to my attention i spoke with a supervisor who thought it was not a big deal well ithink its a big deal i am asking CFPB TO please reopen my case # XXXX and file it the correct way with all information i will reattach my evidence also my complaint against transunion # XXXX complaint aganist XXXX # XXXX complaint XXXX # XXXX i will be uploading my evidence .i also sent a copy showing that i did upload this info to u

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 2022-04-07 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: AR

Complaint narrative:
i made a complaint against XXXX bank and my complaint was handled very poorly by CFPB i sent alone with my complaint XXXX pieces of evidence that CFPB did not send with my complaint when this was brought to my attention i spoke with a supervisor who thought it was not a big deal well ithink its a big deal i am asking CFPB TO please reopen my case # XXXX and file it the correct way with all information i will reattach my evidence also my complaint against XXXX # XXXX complaint aganist equifax # XXXX complaint against # XXXX i will be uploading my evidence .i also sent a copy showing that i did upload this info to u

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX account # XXXX, Online Information 's account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX Department of Education account XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX  account XXXX XXXX and XXXXXXXX XXXX XXXX  XXXX account XXXX XXXX has XXXX my rights. 

XXXX XXXX XXXX Section XXXX A states I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instruction.

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