vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX XXXX XXXX  inquiry on XX/XX/XXXX, XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX inquiry on XXXX XXXX XXXX & XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX  inquiry on XX/XX/XXXX, XXXX XXXX  XXXX XXXX inquiry on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX, XXXX XXXX  XXXX XXXX on XX/XX/XXXX, XXXX  XXXX inquiry on XX/XX/XXXX & XX/XX/XXXX, XXXX inquiry on XXXX XXXX XXXX, XXXX inquiry on XX/XX/XXXX, XXXX inquiry on XX/XX/XXXX, XXXX XXXX XXXX  XXXX inquiry on XX/XX/XXXX XXXX XX/XX/XXXX, ... BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 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 reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( 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 subchapt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
On XX/XX/2021, my identify was stolen and several fraudulent accounts were opened with my social security number at the local mall. I was alerted to a XXXX credit applications by my credit monitoring company, and then subsequently learned of XXXX, XXXX XXXX, and XXXX XXXX. I was not alerted to the XXXX XXXX  account, held by Comenity, until I received the statement in the mail. I received the statement on XX/XX/2021 indicating a charge of {$3800.00} on XX/XX/2021. I immediately called the fraud line, talked with XXXX, ID XXXX who initated the fraud alert. Case # XXXX  XXXX. 

I filed a fraud report with the 3 credit reporting agencies and have had a credit freeze with all 3 credit reporting agencies since XX/XX/2021. 

I filed a police report for the XXXX XXXX charge as well. I called for a status update on XX/XX/2021 and was told the investigation was ongoing. I verified my credit XX/XX/XXXX to find the charge to have been removed. 

Dated XX/XX/2021, I received a letter from the Account Protection Team deeming my fraud dispute wrong, and reinstating the balance and payment dates. This is wholly inaccurate and I will continue to pursue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: LEXISNEXIS
State: PA

Complaint narrative:
Please remove ALL fraudulent accounts that are reflected on my personal credit reports, as I do not have any knowledge of these accounts. These fraudulent accounts are NOT accounts that have been authorized by me or any legal representative contracted by me. I have been a victim of several Data Breaches. 

The following listed accounts are accounts that are NOT accounts that belong to me and are fraudulently listed on my personal credit reports. The derogatory history and listing of these accounts on my credit reports have cause me grave financial damage and an irreparable financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rubin Lublin, LLC
State: GA

Complaint narrative:
Rubin Lublin ( A law firm that works for XXXX XXXX XXXX ), scheduled a foreclosure date for XX/XX/XXXX despite it be against federal law to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission identity Theft Affidavit. Please delete the items a soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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:
SEVERAL UNAUTHORIZED FRAUDULENT ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT. I AM ALSO A VICTIM OF NUMEROUS DATA BREACHES ; THESE ACCOUNTS MUST BE REMOVED AND BLOCKED UNTIL INVESTIGATIONS ARE COMPLETED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: AES/PHEAA
State: SC

Complaint narrative:
I have 5 total student loans reporting to the credit bureaus. 3 of the accounts have open balances ( {$2100.00}, {$3600.00} and {$1000.00} ) and are currently in forbearance. FedLoan Servicing reported 2 missed payments for each of the loans at 90 and 120 days late for XXXX and XXXX of XXXX ( totaling 6 late payments ). I have disputed this error 19 times with FedLoan and with all three credit bureaus and they will not correct the error. 
From XX/XX/XXXX until XX/XX/XXXX those loans were in deferment. I have sent over the relevant documentation proving that the accounts were in deferment ; however, FedLoan continues to verify the information as accurate. A Representative from XXXX advised me that " XXXX '' reports whatever information that the creditor provides and they will not change it. I have the payment history from the US Department of Education showing the dates that the accounts were in deferment. 

I also have two other accounts serviced by FedLoan that were included in a Chapter XXXX Bankruptcy on XX/XX/XXXX ( Dated XX/XX/XXXX and XX/XX/XXXX ) .The accounts were discharged in XXXX of XXXX and currently show paid and closed by XXXX. When I disputed this error they verified the information as accurate to XXXX  AND further reported incorrect information. The accounts are now reporting as Bankruptcy for XXXX and XXXX which resulted in my credit score dropping tremendously. This occurred on XX/XX/XXXX. I called and spoke to several Representatives at XXXX and they advised that they would submit the information to FedLoan for verification.

I have also sent disputes to FedLoan regarding these isses and have not received a response.

I have spent lots of time and energy trying to get this resolved. I have been denied credit because of these errors and I am not able to get descent rates because of the decline in my credit score. This can NOT be legal and MUST be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
SEVERAL UNAUTHORIZED FRAUDULENT ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT. I AM ALSO A VICTIM OF NUMEROUS DATA BREACHES ; THESE ACCOUNTS MUST BE REMOVED AND BLOCKED UNTIL INVESTIGATIONS ARE COMPLETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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:
I was using Coinbase to purchase Cryptocurrency. However I was sent an email by them stating my account activity will be suspended but I should be allowed to withdraw my funds ( XXXX ). This email was send to me on XX/XX/21 Since then, I have been unable to withdraw my funds despite numerous emails. In one of their replies, they said that they accidentally suspended my account from withdrawals and they had rectified it but that was a lie. I still cant withdraw my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: Cornerstone Holdings, Inc.
State: AK

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
ive been informed that as of yr XXXX i was and have a account with such wellsFargo upon calling in being denied having and such Account!!!!??, nor is such account number is verifiable. maybe a miss-translation from were such account exist.. was the thought as well. so after going back and forth with, i should have, it has to be 's recieved an account as well as A last 4 digit card number..proceeding to trace this misstories phatom account finding that account has no previous link to any bank as what 2 offical currency establishment claim ..as for the 4 digit for card that was provided.. was linked to a vertiual account closed back in XXXX XXXXim needing help with a seriously large amount of fund i have yet to recieve ..can i please get assistance with this matter as soon as a professonal recieve this complaint..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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:
Inconsistencies with the items posted on my credit report. 1 or more credit reporting companies did not fully or completely remove the collection off my credit report. Credit reporting agencies were not able to provide proof of applications for any or all accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: NJ

Complaint narrative:
Transunion has repeatedly reported the balance on my student loans as increasing by thousands of dollars causing my score to decrease. My student loans have been in forbearance due to the COVID-19 emergency relief since the beginning of the pandemic, therefore no interest is being charged and the balance is not increasing. On XX/XX/21 after noticing that my credit score decreased by almost 50 points because of a false reporting of the student loan balance, I contacted my loan provider ( XXXX ). They informed me that many consumers have had the same complaint and that they have not reported an increase in the balance to Tranunion. They recommended that I file a dispute. I filed a dispute that same day and received the results dated XX/XX/21. Nothing was corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I reached out several times to credit bureaus and the companies to resolve the issues. After all the letters and calls they refuse to honor my demands.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
in XXXX Asset Acceptance LLC won a default judgement in court against me, I was not even notified that there was a court hearing involving me nor did I know about the judgement. I was unaware of this until just last year XXXX. In XXXX I recieved a notice that my wages were being garnished by Asset Acceptance LLC in the amount of {$5300.00} XX/XX/XXXX. I have no idea what this debt is for because there was no way I ever could of owed this amount considering I never had any credit over the amount of {$500.00} due to my credit and that was still long ago. It also would not add up to XXXX. They garnished me and still are currently garnishing my paychecks and I still have not been told what this debt is for. I then got a second notice that dated XX/XX/XXXX calculating debt at {$6100.00}. The amount had gone up suddenly after they had been garnishing my checks already which is not possible at all. I thought it was strange so, I looked up the case by the number on the garnishment papers and from what the court shows on file is that Asset Acceptance LLC won a default judgement in XXXX and that the monetary awarded amount was {$3400.00} and had sent garnishment papers to several banks or something thinking I worked for these banks and were told I did not. I never have worked for any bank so, not sure where they thought I had. as well I had plenty of jobs from XXXX until currently that they could of garnished wages from yet, never had. The court case they have listed on the papers also is stated as CLOSED. So, not only are they garnishing me f something I dont even know what it is for, they also are garnishing me from a closed case from XXXX in which the amount that was awarded was XXXX, yet, they are garnishing for XXXX now after they have already garnished me for almost a year and gotten at least XXXX from garnishing me already after first listing the amount owed as XXXX. I think this company is fraudulent and garnishing my wages for a old judgement that is now long been closed and they are changing the amount of debt owed and increasing it even after they have gotten payments garnished for nearly a year. They also were only awarded XXXX in the judgement by the court so, why are they trying to collect almost twice as much. There is obviously something very wrong here and they are trying to collect far more than they are suppose to that is if they can still collect on a closed case from XXXX, which I dont think they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: CA

Complaint narrative:
Inconsistencies with the items posted on my credit report. 1 or more credit reporting companies did not fully or completely remove the collection off my credit report. Credit reporting agencies were not able to provide proof of applications for any or all accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Inconsistencies with the items posted on my credit report. 1 or more credit reporting companies did not fully or completely remove the collection off my credit report. Credit reporting agencies were not able to provide proof of applications for any or all accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I reached out several times to credit bureaus and the companies to resolve the issues. After all the letters and calls they refuse to honor my demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: MI

Complaint narrative:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
I recently made I Coinbase account weeks ago. And I fully verified my account with my driver 's license from Ohio. And now just recently they made my bank transfers set to XXXX $ when just the other day when it was XXXX $ a day. And there response to that was 'We can not offer you higher purchase limits for your payment methods in your region due to current regulations. We cant guarantee that your limits will be raised in the future, but we will continue working with local governments to improve our customer experience moving forward. ' Email linked to my Coinbase account XXXX XXXX

Company response to consumer: Closed with monetary relief