vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

-- PERSONAL ACCOUNTS 2. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian periodically ( on average, every two months ) lowers my credit score without providing any qualitative details as to why it was lowered and no means of disputing the change of score. This credit reporting business lowers my score, provides no actionable reasons why it was lowered, and then offers general information how to raise one 's credit score and also provides " products '' that can purportedly help an individual raise the score. This company needs to provide qualitative evidence why the company found the need to lower an individual 's score and then provide channels for that individual to reinstate a previous score when no irresponsible action to lower a score was committed. I have not altered my financial behaviors one iota since Experian last sent me a credit score change notice. The company seems to be arbitrarily lowering my score when they see fit. It is exasperating to be punished for no apparent reason. This company owns the score, makes the rules for maintaining a score, and hides behind call center representatives whose job it is to sell product so the executives and management don't have to answer to their harmful policies and practices.

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 2020-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I created a account on coinbase to purchase bitcoin on XX/XX/XXXX and was unaware that there was a designated time period to withdrawal funds. I contacted coinbase support explaining the misunderstanding and ask if I could have a refund of my money, they replied that I had to wait to the specific date set by their security feature. 

I have contact them again today my funds are suppose to be available according to there system. I was not giving any reason to why my funds are not available when the withdrawal date is XX/XX/XXXX which is today. 

I am highly frustrated that they are holding my money without my permission. I have asked several times to have my funds made available. 

They don't have customer service available to call and speak to them only if your account has been compromised. This is very unprofessional and unethical, when you are responsible for people 's money you should have a live representative to speak too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I received a copy of my credit report and noticed that I had a collection account that does not belong to me. This account is not valid and should be removed from my credit report. I have disputed this account with the collection agency in XX/XX/2020 and they have not validated the account. This account is with EOS CCA in the amount of {$990.00}. I need to have this removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: VA

Complaint narrative:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-09-29 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

-- PERSONAL ACCOUNTS 2. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to reque
st the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and
appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

-- PERSONAL ACCOUNTS 2. XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
CREDIT AGENCY IS REPORTING CHILD SUPPORT WHEN THE COUNTY DOES NOT REPORT TO AGENCIES DIRECTLY WHICH VIOLATES MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT.

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 2020-09-29 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: GA

Complaint narrative:
I, XXXX XXXX, have been having issues with someone using my identity to open accounts since XX/XX/2012. I have seen several accounts and inquiries show up on my credit reports that I am no responsible for. I am not sure of who may have obtained my information. I would like to have all fraudulent accounts and inquiries removed. The information of this activity has already been reported to the credit bureaus. I have also filed a police report for this incident.

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 2020-09-29 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: CA

Complaint narrative:
CREDIT AGENCY IS REPORTING CHILD SUPPORT WHEN THE COUNTY DOES NOT REPORT TO AGENCIES DIRECTLY WHICH VIOLATES MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: CA

Complaint narrative:
CREDIT AGENCY IS REPORTING CHILD SUPPORT WHEN THE COUNTY DOES NOT REPORT TO AGENCIES DIRECTLY WHICH VIOLATES MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT.

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 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I entered into a MEMBERSHIP  CONTRACT with XXXX  ( XXXX FL ) a XXXX   whole buying club, membership cost was {$5300.00} XXXX total cost {$7500.00} ), after the contract was signed I was granted access to the their inventory, however I quickly realized that the items I wanted to purchase were " no longer available ''. 
I short time later I got laid off from my job and was not able to make membership payments. 

Today SECURITY CREDIT SERVICE account number XXXX owns the dept which totals {$5700.00} and on my credit profile does not state that the purchase was made from XX/XX/XXXX it shows the date the debt was purchased from XXXX XXXX XXXX on XX/XX/XXXX. 

In the state of florida were he purchase was made the statues of limitation on contracts is 5 years I am requesting this debt be removed from my credit profile. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: GA

Complaint narrative:
I, XXXX XXXX, have been having issues with someone using my identity to open accounts since XXXX of 2012. I have seen several accounts and inquiries show up on my credit reports that I am no responsible for. I am not sure of who may have obtained my information. I would like to have all fraudulent accounts and inquiries removed. The information of this activity has already been reported to the credit bureaus. I have also filed a police report for this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: GA

Complaint narrative:
I, XXXX XXXX, have been having issues with someone using my identity to open accounts since XXXX of 2012. I have seen several accounts and inquiries show up on my credit reports that I am no responsible for. I am not sure of who may have obtained my information. I would like to have all fraudulent accounts and inquiries removed. The information of this activity has already been reported to the credit bureaus. I have also filed a police report for this incident.

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 2020-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX and I took out a flex loan with Advance Financial and the agreement said to resolve disputes about their 279 % line of credit would solved through arbitration, and now I am being sued by a debt collector attorney would just sent me a print out of the amounts paid by no running balance and the company took the write off amount ( for business loss in taxes ), added fees that I didnt know about and after paying thousands of dollars already for a line of credit of {$4000.00}, they say I still owe over {$5400.00}. This seems like predatory lending, at best. When I requested information from their attorney, I wasnt given answers that a consumer could easily understand. And repeated attempts to contact them resulted in failure. This is the definition of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
I have been in contact with Sallie Mae since my graduation in XXXX of XXXX in order to get my repayment plans figured out. I started calling about options in XXXX of XXXX knowing that I would be required to start paying them back soon. I asked what my options were for repayment, I was given the option of a graduated repayment plan or forbearance. In XXXX of XXXX, I tried to call again to see if there were options for an income based plan like my federal loans. Again I was informed that I only had two options. In XXXX, before payments were due, I asked again about options. I was told my options were to pay the loan at the graduated rate for a year of {$360.00} for one loan and {$84.00} for another loan, or put it into forbearance. I asked if I could consolidate the loan, I was told no. I asked again for a repayment plan, I was told no. I decided to accept the graduated repayment plan for one loan and put the other in forbearance. XX/XX/XXXX I call again to explain how I financially can not afford to give the company more than {$360.00} a month in repayments. I was told that the only way I can talk to the hardships department is to have my loan go into a pay due balance. I said I did not want to do this as I dont want to purposefully miss a payment and have it affect my accounts and credit score. I was told that there was no other way to speak to the hardship department, and that I could either pay them the graduated repayment plan, go into forbearance again, or not pay and go past due my balance in order to get in touch with the hardship department. There has been no one to help me try to work out a repayment plan in order to get ahead of my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
Mariner Finance has been calling me at my place of employment every weekday since at least XX/XX/XXXX, trying to collect a debt. I had provided them with a number that they are to contact and today ( XX/XX/XXXX ), XXXX XXXX called and spoke with a fellow coworker asking to have me please call him regarding a personal matter. When I contacted XXXX he acknowledged that I had provided a number in my profile but said that he had been trying to call it and it was disconnected. After I gave it to him again, he asked me to hold and then came back on the line to tell me that it is working.

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 2020-09-29 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received onXX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT XXXX. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: ERC
State: OH

Complaint narrative:
There are some accounts on my credit report that are not mine and reporting twice and believe this is an act of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  # XXXX XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dear Sir or Madam ; I am a victim of Identity Theft. the Information Listed Below, which appears on my credit Report Does not relate to any transactions that I have made.it is the result of Identity theft. Please Block this Information from my credit Report pursuant to section 605B of the fair credit Reporting Act and send the Required notifications to all Furnisher of this information. Enclosed are the following ; XXXX XXXX state of Maryland ; XXXX filling XXXX XX/XX/2015 2015

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