vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: NC

Complaint narrative:
I recently received a copy of my XXXX Credit report and notice NATIONAL CREDIT ADJUST is reporting a debt of {$1600.00} which appears to be a fraudulent account opened in my name. I have never done business with NATIONAL CREDIT ADJUST and do not wish to do business with them, i do not wish to have a contract with them, i have never gave permission or authorized NATIONAL CREDIT ADJUST to access my private and personal credit reports, my personal information such as DOB, social, address or phone number. 

I contacted NATIONAL CREDIT ADJUST and spoke with a gentlemen and told him i didn't open an account with them NATIONAL CREDIT ADJUST or whom ever they are collecting for i told him my information was part of the XXXX XXXX breach and someone had to open that account in my name because i never signed a contract, documents, agreements with NATIONAL CREDIT ADJUST, i never signed an electronic agreement, i never sent a scanned copy of my id or social card with them. so they have the wrong person. 

the customer service guy was rude and nasty telling me i need to pay or i will see them in court. he threaten me with court and its not even my account. i asked for all the documents they have saying i agreed to pay them so i can file an identity theft report, when i did the guy hung up on me. I called back and they clicked the phone and hung up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: OH

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 and XX/XX/2021 it's more than 60 days. I need these accounts deleted or updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
I have no knowledge of this debt, and can not resolve the issue with the company directly so here I am. 


Receivables Performance Reported a collection on my credit account that I have no knowledge of. 


I have requested that receivable performance 1. Indicate when and where the alleged debt originated with the original creditor, when the alleged debt initially went into delinquency, and the complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509 2. Evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature 3. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) states information relating to the purchase of a bad debt is not proprietary or burdensome. Include the source of this alleged debt, the amount paid for the alleged debt, and how the amount sought in collection was calculated 4. Intimate knowledge of the creation of the alleged debt by you, the collection agency 5. Proof of the alleged debt acquired from the original creditor, as mandated by the FDCPA 809 ( B } As stated in the FDCPA 809 ( B }, you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account to the credit reporting agencies constitutes collection activity.

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 2021-11-16 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: NJ

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX COL XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC
State: FL

Complaint narrative:
I noticed an unauthorized inquiry on my consumer report and according to FCRA legally these unverified and unauthorized items must be removed. I never gave you permissible permission to report without my consent and I never consent anything 15USC1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Coinbase, Inc.
State: DC

Complaint narrative:
Thank you for investigating my claim. Briefly, on XX/XX/XXXX my Coinbase account was hacked for XXXX separate transactions totaling {$250.00}. The individuals who withdrew this money immediately spent this money on fraudulent transactions and began to make further attempts to withdraw money and initiate more fraudulent transactions. Luckily, I was able to lock my account from further withdrawals. 

I called Coinbase immediately after the first transaction notification and spoke to XXXX, who assured me that the unauthorized withdrawal would be reversed immediately within XXXX hours. After it was not reversed, I called the next morning on XXXX and spoke to XXXX, who denied that the transactions would be reversed immediately and stated that an investigation would take up to 30 days. On XXXX I called again in the morning and spoke to XXXX, who then stated that the timeframe was XXXX days but I could expect an email with more details from the supervisor/investigation team. I have never received any communication from Coinbase. I made another good faith effort on XX/XX/XXXX and spoke to XXXX, who repeated that I would have to wait 90 days. 

I have tried in good faith to resolve this issue with Coinbase to reverse the unauthorized charges, but I have lost trust in their dispute resolution. I feel that they are stringing me along and have no intention to correct their unauthorized debit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-16 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have called Equifax and mailed them several times to receive my consumer report and they still haven't sent it. Equifax has conducted several investigations concerning my consumer report and I haven't received any updated consumer report thereafter. I am aware after each investigation they are to send me a copy of my updated consumer report. Equifax is in noncompliance with their code of federal regulations I can not retrieve my consumer report from this company yet they are reporting my personal identifying information. It is my right to know what they are reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
My mortgage was with XXXX XXXX or XXXX XXXX, now it is not and I lost my job in XXXX and got behind on mortgage payments. The servicer was XXXX XXXX I tried to pay the amount I was behind in XX/XX/XXXX but they added XXXX in fees so the amount I had wouldnt stop foreclosure I was told. Now my mortgage service company is Fay Servicing and they did a loss mitigation and came back with my payment being almost twice of what my payment was and now my property is not showing under XXXX XXXX or XXXX XXXX. I am wanting to stay in my home as I am a single mom but the new payment they gave me of XXXX a month and the interest of 6 percent when my mortgage payment was XXXX a month and 4 percent I feel they are making it hard for me to stay. They also can not send me my original note from XXXX on the house. They only had the modification note from XXXX. I just would like a fair payment to what my mortgage payment was. I did claim bankruptcy in XXXX and I have lived in my house for XXXX  years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I noticed an unauthorized inquiry on my consumer report and according to FCRA legally these unverified an unauthorized items must be removed. They never got permissible permission to report without my consent and I never consent anything 15 USC1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: DC

Complaint narrative:
this company is clearly and consciously violating my consumer rights in handling my disputes. please see my attachments and process them accordingly. The companies handling of my disputes are affecting my daily life severely as i can not do the things i need to do with the negative remarks on my consumer report.

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 2021-11-16 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: DC

Complaint narrative:
this company is clearly and consciously violating my consumer rights in handling my disputes. please see my attachments and process them accordingly. The companies handling of my disputes are affecting my daily life severely as i can not do the things i need to do with the negative remarks on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX : I have been on the phone for an hour. 
The agent put me on hold for 45 minutes and said they were calling XXXX than put me through to Molllie XXXX out of the XXXX office and transferred the call without telling me. XXXX who kept getting the wrong debit card information to deter me from getting why an envelope was delivered to my condo without an ID being shown or signature! 
I kept providing my my debit card and would not provide me information We are 18 days and Citi Bank officials was very well aware of XXXX XXXX branch manager of XXXX XXXX XXXX XXXX XXXX FL XXXX deliberate misconduct, knowingly never mailed my remaining money of over {$2000.00} that was to go toward my first mortgage payment with Citi no less who absolutely knew my home address. 
I called immediately. I was ignored, hung up on, created more conflict and confusion. 
I received a wrong tracking which I tried to get so many times. I was provided the wrong one time and time again. I am currently on the phone with Citi bank. Tracking number XXXX showing which will be attached at front desk!!!! I do not have a front desk at my condo building. Not a doorman. Just lock boxes to put mail. This is unbelievable! 

The banks behavior and the many officials Ive spoken too all said. How is Citi allowed to commit fraud and abuse there power. 

Other officials are involved and also working on my behalf to file reports with FTC and FBI. 
How can a bank not allowed me to take my own money that was free and clear out of the atm! Stating sorry over your limit! False. XXXX XXXX kept putting fraud codes on my account and reported this immediately to XXXX XXXX who did not take one action. XXXX XXXX was the loan officer at Citi and can verify I was unable to take my {$10000.00} XXXX money because XXXX XXXX put fraud codes and maliciously and knowingly knew his actions to intentional harm me.. 

I hold a credit card with Citi. I was told since Citi is not assisting in my mortgage and credit card due to my loss of income to file a XXXX and XXXX as a result of there intentional demise of my good credit. This bank is dangerous and abuse there power at alarming levels. This is crazy!!!!! 
Deliberate fraud.

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 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: FactorTrust, Inc.
State: TX

Complaint narrative:
I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Fraudulent inquiries not recognized by me, more than 30 inquiries which I did not authorize and is reflected in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: MD

Complaint narrative:
On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that 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. My right to privacy has been violated.

I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: NJ

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Equifax Credit Bureau is reporting inaccurate information on the following Collection accounts. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: VA

Complaint narrative:
I incurred a {$200.00} medical expense at XXXX  XXXX XXXX ( XXXX ) ( owned by XXXX XXXX ) in XX/XX/XXXX. I never received an actual bill from them ( which is a separate issue ), but I began received calls from XXXX XXXX XXXX XXXX ( XXXX ) about a year later, XX/XX/XXXX. I paid the debt in full to XXXX. I did not receive a receipt directly from XXXX, but the payment is shown on my VHC/Alteon records XXXX The balance now shows as {$0.00}. 

In XX/XX/XXXX, I began received letters from an entity calling themselves " The Law Offices of Mitchell D. Bluhm and Associated '' ( MBA ) stating that I still owed {$200.00} for the same date of service ( XX/XX/XXXX ), which I had already paid to XXXX. I contacted XXXX in XX/XX/XXXX contesting the debt, providing a copy of my {$0.00} balance with XXXX  showing the XX/XX/XXXX {$200.00} payment to XXXX. In early XXXX, I received a response saying that they did not accept my proof and would not clear the debt. 

I have also tried contacting XXXX to obtain a receipt for my XX/XX/XXXX payment, but all numbers I have found do not work. I also tried their posted email in XX/XX/XXXX and have not received a response as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I filed my XXXX IL income taxes late. This resulted in a penalty. Illinois Department of Revenue billed me about {$1000.00}. I entered a payment agreement with them. To date, I have kept up my end of the agreement. I have made two payments for {$100.00}. One was made before agreement was set up, other was made XX/XX/XXXX, on schedule. Additionally, I paid a {$180.00} down payment. 

The purpose of entering the agreement was to PREVENT the debt from being sent to a collection agency. I did not want a smear on my perfect credit rating. 

Yet despite this, Illinois Department of Revenue sent my debt to Transworld System Inc. 
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, IL XXXX XXXX XXXX Transworld made a derogatory credit bureau filing which has already impacted my relationship with XXXX XXXX, and now they're harrassing me by calling my cell phone XXXX XXXX XXXX. 

Please cause Illinois Department of Revenue and Transworld to cease and desist collection action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Premium Credit Bureau
State: TX

Complaint narrative:
I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.

Company response to consumer: Closed with explanation