vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Upon getting an alert from XXXX XXXX I recently discovered that I have a recent collection reporting on my credit report that are from two different collection agencies but this account is an account that was recently deleted in XXXX of 2018 the former collection agency was XXXX XXXX XXXX for the same original creditor XXXX XXXX XXXX in the amount of {$790.00}. Transition has previously deleted this account, but has allowed two different collection agencies to report the same debt from the same original creditor in the same amount.

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 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX my stimulus check of {$600.00} was deposited to my account. Chime kept all of it for for a negative balance I have. A tax refund check of {$3700.00} came back as returned for some reason so thats why my account is negative. Also, I have {$1600.00} in Savings that Im not able to access. From my understanding, the IRS prevents banks and debt collectors from taking the 2nd stimulus check. I sent them numerous emails asking if they will compromise with me and let me make payments or even just take half the stimulus and half my savings. The only responses I get totally avoiud my question. I need intervention with this please. I desperately need my money for what it was intended for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: FL

Complaint narrative:
I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as XXXX, XXXX  and Transunion all accounts listed in Identity Theft which are not mine.Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes. 

I look forward to a timely and amicable resolution to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: FL

Complaint narrative:
I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as XXXX, Equifax and XXXX  all accounts listed in Identity Theft which are not mine.Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes. 

I look forward to a timely and amicable resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: FL

Complaint narrative:
The 3 major bureau 's never gave me complete disclosure of any debt verification, like actual proof or any signed agreement i ask for in my disputes with XXXX, Equifax and XXXX as they are to keep records on file to verify the debt. My dispute process was started on the on XXXX 2020 by certified mail and recieved on the XXXX of XXXX 2020 i feel that 3 major bureau 's never really verified any of these disputes ... just say that they did XXXX being the better of the 3 in notification.This complaint is my next step in the process of correcting these inaccurate items 6 in total on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
On XX/XX/17, Sunrise Credit Servies Inc., added a derogatory mark on my credit report per XXXX and XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there are NO written form of communication, contract, or signature for this accused debt. The bill sent to me was also for a larger amount then what is being reported on my credit report. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to FCRA, Sunrise Credit Services Inc., has violated my rights as a consumer and I am requesting legal action to remove this account from my credit report immediately.

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 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Wayfair was notified on XXXX XX/XX/2020 to cease & desist ( 15 USC 1692 c ( c ) ( 1 ) ( 2 ) ( 3 ) all communications and you continue to ignore federally mandated consumer protection laws. You failed to validate this alleged debt that is inaccurate ( 15 USC 1611 ( 1 ) ) nor did you ever receive written consent to furnish information on my credit report which is also a violation of my federally protected consumer rights. You continue to send a bill for this alleged debt which is a violation of 15 USC 1692 b ( 2 ). Wayfair continues to harass me by sending bills after they received a cease & desist order and is a violation of 15 USC USC 1692 D. You have also failed to communicate on the attached bill that this is an attempt to collect a debt which is also a violation of 15 USC 1692 e. The alleged debt you are attempting to collect is also a violation of 15 USC 1692 F ( 1 ). Pursuant to my federally consumer protected rights 15 USC 1692 J, by Wayfair continuing to report this alleged debt on my consumer credit report to the 3rd party credit reporting bureaus is also a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: HI

Complaint narrative:
On XX/XX/XXXX, I purchased {$1900.00} worth of Bitcoin. I sold my position on XXXX XXXX, XXXX, and should have seen a transfer to my bank account in the amount of {$2900.00} in 3-5 business days. I still have not seen my money. 

On Coinbase.com, I have opened case Case # XXXX with them on XX/XX/XXXX, and Case # XXXX on XXXX XXXX, and have not heard back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26 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 looked at my free credit reports and the addresses being reported is wrong. Completely wrong and this needs to be removed. Equifax, XXXX and XXXX are reporting addresses where I've never lived and are not my current or former addresses. This gives me concern because I don't want any fraud or information that's not mine on my credit reports. I have tried to dispute this inaccurate information with the credit bureaus on XX/XX/2020, XX/XX/2020 and XX/XX/2020 but they won't remove the inaccurate addresses which is terrible. Please help. I attached my photo ID and credit report screenshots for you to see the errors I'm talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Settled/paid a charge off with an collection company for comenity cb/ my place rewards and comenity refuses to update the status of the account along with the comment. Status of the account should state ; current. Comments should state ; paid as agreed or paid in full for less than full balance. Ive tried to dispute the account multiple times and Ive tried to contact, but Comenity refuses to talk to me. Comenity states that they dont own my account, but refuses to remove it from my report or update it. Ive also wrong a goodwill letter and was ignored ( XXXX ). 
Payment made : {$170.00} Account satisfied on : XX/XX/XXXX Original creditor : Comenity Capital Bank Debt collector : XXXX XXXX XXXX. 
XXXX stated that they would request for the tradeline to be removed from all three credit bureaus but Comenity refuses to remove or update the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: NY

Complaint narrative:
Equifax has been consistently abusing their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letter that I've previously sent via certified mail. This company isn't going by the boundaries of FCRA, FDCPA and The Coronavirus Aid Relief and Economic Security ( ChChch ) Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: OR

Complaint narrative:
In XXXX I qualified for Social Security XXXX benefits which were transferred to an account with a Direct Express prepaid card. I was incarcerated in AZ in XXXX and the SSI benefits continued to be transferred and were then later reported as an overdraft. Due to my incarcerated I never received these benefits or had access to them. During this time someone accessed my account and withdrew over {$3000.00} using my stolen Direct Express card. After being released Social Security sent an overpayment bill requesting repayment, when I accessed my account the money had been removed without my authorization. I reported the fraudulent activity with Direct Express, they denied my claim in XXXX, XXXX because I had not filed a police report. The website claims to are liable for this type of fraudulent activity, I included evidence and proof to Direct Express Consumer Complaint Department but this was all denied. Several attempts to contact consumer services have lead nowhere. Once I contact a service representative and verify who I am, I end up transferred or on hold for hours only to be transferred again. Most recently I called XX/XX/XXXX and remained on hold for over an hour and half. I was transferred to a completely different company ( go services ), transferred back again and told I was unable to verify because I did not know the phone number used to create this account ( 3 years ago while experiencing homelessness ) and told me there was no way to verify without this phone number. When I first attempted to report the fraud, Direct Express blocked me from the account and I have been unable to access it since. The company claims to repay money transferred fraudulently with a loss up to {$500.00}, however they refuse to acknowledge my reports. Currently, I am unable to repay my SSI because that money has been stolen and Direct Express refuses to help solve this claim dispute. The customer service have been completely unhelpful and I feel that they just do not want to repay this money that is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
XXXX XXXX, XXXX, {$860.00}, I called Receivables Performance and explained to them that XXXX had already taken out this amount from my bank. I even emailed them a copy of my bank information and they never responded back.

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 2021-01-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Multiple transactions for {$4.00} to XXXX XXXX PAY BY PHONE which we did not make. 
. 
The dates are as follows XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 There were other similar fraudulent charges to the same company that were resolved in our favor and a new credit card was issued. 
TD Bank sent us a letter stating that 'documentation provided by the merchant supports the merchant 's position that the services were rendered associated with this transaction. Based on this documentation we are unable to credit your account '. 

Sure, the services were rendered but not to us and that is why the new card was issued. 

I called and spoke to XXXX on XX/XX/2020 about this letter. 
I called and spoke to XXXX on XX/XX/2020 and I was told they were still working on it I called and spoke to XXXX on XX/XX/2020 about this. 
On XX/XX/2020 I spoke to XXXX and when I was getting nowhere, I was transferred to a supervisor by the name of XXXX and again I was told that TD Bank can do nothing. And she mentioned letters to that effect which I never got. 
On XX/XX/2020, I finally spoke to XXXX in Disputes and she agreed that the charges were indeed fraudulent but she could do nothing except refer the matter to a supervisor to call me back as they had left for the day and this was just after XXXX. No supervisor called

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26 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: SC

Complaint narrative:
I have reached out on twice to Equifax, XX/XX/2020 and XX/XX/2020 asking them to provide me the name of the original creditor of 3 accounts listed on my credit report so that I may reach out to them for additional information. My credit report was updated that I disputed the item however I was never provided with the companies name and the accounts are still showing up on my credit report. I need to get this resolved as it is hurting my credit score and keeping me from getting financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: MI

Complaint narrative:
On XX/XX/2020 I, XXXX XXXX, sent a letter regarding inaccurate and unknown things on my credit report. I have also attempted on several occasions to make complaints with CFPB and they have knowingly closed the complaints without completing an investigation. Until this day, it has been WELL OVER 45 days with no response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that failure to investigate these items with 30 days, gives a reason to immediately remove these items. On XX/XX/2020, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) was signed into law to provide relief to consumers and businesses struggling during the COVID-19 emergency. Among other things, the CARES Act amended the FCRA to address furnishers responsibilities Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ). Generally, the amendment requires furnishers who provide a credit accommodation to a consumer affected by the COVID-19 pandemic to continue to report the consumers account or credit obligation as current. This provision ensures that consumers affected by the pandemic can obtain essential relief without jeopardizing their credit scores and their future ability to rent or buy a home, purchase a car, obtain a credit card or student loan, obtain affordable insurance, or secure employment. The reporting has to be up to date! No late payments are to be reported. It is rectroactive to XX/XX/2020. I demand that the late payments be removed from XXXX XXXX ACCT # XXXX and XXXX XXXX XXXX XXXX- ACCT # 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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: MA

Complaint narrative:
I deferred my payment for my student loan and they were still charging me during my time of deferment. So on my credit its showing that I have multiple late payments because they claim when I deferred my payments I was not specific on which account. I make one payment monthly for all my loans why would I have to specify which account I was deferring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
this account below is not mine. i am requesting this company to validate and confirm this debt is not mine, i would like this account removed from my credit report in 30 days or less. 

B SOURCE RECEIVABLES MNG XXXX Directory : XXXX XXXX XXXX XXXX {$2300.00} COLL {XXXX} 001 - {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT INFORMATION DISPUTED BY CONSUMER ; ORIGINAL CREDITOR : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My right to privacy is being infringed upon according to 15 USC 1681 ( 4 ) with this reporting. Also no permissible purpose nor written permission was ever given to furnish any report on my behalf, if so I demand to see the contract.

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 2021-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i transfer my money using my edd debit card to my chase bank but for some suspicious activity on my chase bank it was closed and then i called them and ask what will happen to the money that i transfer through my chase bank, they said it will go back on my account but until it hasn't posted on my edd debit card, i did the transfer last thursday.

Company response to consumer: Closed with explanation