vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-13 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: PA

Complaint narrative:
It is with grave sadness I am writing this complaint against Credit Bureau, Equifax. Everybody knows how important credit report is. Well, I disputed bankruptcy items on my Consumer Report with Equifax on XX/XX/21 and again on XX/XX/21 and Equifax kept on being deceptive and failed to honor the state and Federal law concerning their responsibility regarding Consumer 's Right to privacy, etc. on one 's credit file. On 12/11/21, Equifax sent me another reply to my dispute saying they verified the report as correct. 

Equifax lied! They had no way of verifying my information as correct because I had placed a Security Freeze on my file since XX/XX/21 and the freeze is still in effect. Equifax has essentially violated my rights as a consumer, violated the FCRA rules, and violated the CFPB rules. I am asking this office to have Equifax delete such negative record permanently. I did not give my consent for any of the parties involved to access, share, sell or manipulate my personal consumer information, under the law. If you have further questions or concerns, please contact me by email or by telephone as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX XXXX, 2021 a collection account has been wrongfully placed on my credit report. Currently, XXXX XXXX XXXX collection is reporting to my credit report on Equifax with a balance of {$2300.00}. XXXX XXXX XXXX is currently violating my rights as a consumer. I was not provided a violation of debt letter. And according to Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ), and 809 ( 15 USC 1692f ), Validation of debts includes ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such. I contacted experian and they stated that there was nothing that I could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I need some help, my car loan is through Capital One and I have an open good standing small credit card with Capital one however there is an account reporting on my credit stating in collections with this same company listed stating I owe XXXX BACK IN 2019 WHICH is NOT correct. Please help this must be someone else 's account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: PA

Complaint narrative:
I received an email XXXX XXXX XXXX XXXX from a XXXX XXXX and XXXX XXXX indicating they were attorneys they not only represented themselves as attorneys but threatened criminal federal action and also threatened to contact my employer they violated numerous laws and I have a copy of the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
We stayed at XXXX XXXX by XXXX hotels last XX/XX/21. It is part of their scheme to have the visitors to attend one of their seminars for 1 hour they said but it took us 5 hours. At the same date as above, they offered a timeshare and with our consent we agreed to have our credits checked and just to see where we at. We provided our information and signed some consents that they will just use our information to see our current APR for timeshare. We we're there for 5 hours because many of the agents goes back and forth to all the visitors/attendees trying to convince us to take a timeshare. We straight up told them we are just inquiring and just curious and not really planning to get one at least for the time being. All the agents look so XXXX and XXXX. They we're not very professional and kind of forcing us to sign but we never did. 1 month after, I received a letter that I opened TWO NEW CREDIT CARDS FROM WYNDHAM. The first one is from Barclays Wyndam Rewards with a credit limit of {$1600.00} and the second one is from XXXX XXXX Bank Wyndham XXXX XXXX for a credit limit of {$5000.00}. Attached pictures are the evidences and the dates when they opened a credit card for us. 

It was never agreed that I will open any credit cards under them. And I never consented them to use my information specially my Social Security to Barclays and XXXX XXXX XXXX. This also hard hitted my credit score and also my wife 's because they actually attempted to open a credit card to my with Barclays too.

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 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-13 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: SIMMONS FIRST NATIONAL CORPORATION
State: CT

Complaint narrative:
Reporting XXXX on my credit report that dont belong to me : XXXX information is on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have an XXXX credit card through XXXX XXXX XXXX. The last time I used the card was in XX/XX/2021 for {$44.00} at XXXX. In XXXX, I called in to pay my bill and was informed that my balance was {$4400.00} +. I was on the phone with 2 separate Elan representatives and I was insured that this would be looked into by the Fraud Department. I was then sent a new credit card and the old card was cancelled. Charges still kept be charged to XXXX, XXXX, XXXX and other miscellaneous companies. I again called the Fraud Department and they again closed that card down and sent me another one and told me not to activate it. I didn't. I have since been receiving card member services statements everyday showing a credit for one charge at a time. I at this time have over XXXX statements. The latest card that was not activated was charge this last XXXX for miscellaneous amounts totalling {$2000.00}. I for the last 10 months have been calling and speaking to Elan and everytime I am assured that a note on my account will be made and my credit won't be damaged. My husband and I bought a car a few months ago and was informed because of this nightmare, our credit went from XXXX to XXXX. Also I and he are being called 2-4 times a day. When I take the call, it is the same old promises that everything will be fine and I get transferred to the fraud department to explain the entire nightmare again. I also went into my local XXXX branch and the manager told me there is nothing she can do as they don't deal with the credit cards. My current balance on the card is {$1900.00}. I told Elan that I am not paying it and I need my credit restored. I have over XXXX statement showing that many of the charges were credited to my account but the charging continues and I am thinking it is an inside job. I don't know where to go from here. 

Please feel free to contact me at XXXX. The telephone number for cardmember services is XXXX. I do have over a XXXX statements that I can send you but am not sure if you wanted to have so many! By the way, as I was writing this, I was called again from XXXX Services.

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 monetary relief
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

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 2021-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have an account with Coinbase.com and on XX/XX/2021 had approximately {$7500.00} in cryptocurrency in my account. During the early morning hours of XX/XX/2021 I received text messages from Coinbase of suspicious activities in my account and asked if it was me initiating these activities. I awoke from my sleep to answer the texts and responded that it was not me and locked my account. I called and learned that my money was safe but account was locked and would have to wait 24 - 48 hours to have access to my account. I specifically asked to verify that my money was not moved but again reassured that it was safe. I later learned that all my money but {$0.00} remained in my account. I also learned that my personal bank account linked to my Coinbase account had {$1000.00} transferred from my bank to Coinbase during this same time frame. In total, I sustained a loss of approximately {$8500.00}. Communicating with Coinbase to investigate what occurred has been almost impossible. Each time I spoke with a live representative, I was told that my case was being referred to the next level and that I would be contacted by that level within 24 hours. That " level '' has yet to contact me. Coinbase has failed to protect my money, replenish my losses and respond to my desperate requests for answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was doing a counter transaction at my bank when a sales rep approached and solicited me for a new credit card with a 5 % cash back for gasoline. I decided to consider the offer, but before all of my questions were answered about the card, such as if the deal was promotional ( which it was ), the account was opened without any written disclosures or my signature, all occurring in about 5 minutes. I was not told this was a promotion and the rep said she could not stop the opening of the account, but I could accept the card, use it once and then close it. Clearly, this rep would only be compensated if I used the card, which I will not do. I was able to speak to a telephone rep who told me she could not close the account because " the card number is not fully built yet. " I would need to call back next week. 

It is next week and my efforts to close the account were unsuccessful due to wait times for a rep on the phone and on their chat platform of over an hour. The account remains open.

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 2021-12-13 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: MA

Complaint narrative:
I have been disputing Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX with TransUnion LLC since the end of XX/XX/XXXX. The account in question does not belong to me, this was opened without my permission and is a fraudulent account. I've disputed this account over a dozen times and I receive no real resolution. TransUnion LLC has deleted this account form my report multiple times and keeps on re-inserting it without due notice. This action violates the FCRA under illegally re-inserting accounts back into a credit file without following the instructions completely. I have done everything that can be asked of me in order to permantely remove this account from my file. I have submitted the following documents. A Police Report, FTC Identity Theft Report, a previously filed CFPB complaint report filed against XXXX XXXX XXXX XXXX and TransUnion LLC. copy of my bank statement showinf that these funds did not go through my bank, copy of my cell phone bill showing that the phone number the bank has on file is not mine, copy of my email account details showing that I have been using the same email address since the XXXX 's and that it doesn't match with the email address that the bank has on file. I also provided a photo of my computer screen, showing my ip address and that it does not match with the ip address that the bank has on file. All of this evidence that I have provided XXXX XXXX XXXX XXXX and TransUnion LLC with should clearly show this account doesn't belong to me and was never opened by me PERIOD... I have also filed a complaint against XXXX XXXX XXXX XXXX and TransUnion LLC with the FTC. I find this whole process very frustrating and pointless. I have submitted the same exact information to the other XXXX credit bureaus XXXX and XXXX. They both have deleted this account form my credit file months ago with no extra effort or drama. I don't understand how a company can be so unprofessional, unhelpful and not willing to work with their consumers and resolve an issue that their other counterparts seem to have no issue in resolving?? Why does this credit bureau exist if they can't even resove something that is their job and that clearly XXXX other companies that they work with have already resolved and in record time may I add???

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 2021-12-13 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: VA

Complaint narrative:
CFPB response indicates that the response will outline the steps taken to resolve, and/or address my complaint. The attached response along with my initial detailed complaint is unsatisfactory and doesn't provide any details regarding what steps were taken to resolve only that I would receive something in the mail. Please provide details in agreement with the disclosure on the CFPB site. See attached. Completely unsatisfactory. Please provide details and when I can expect to receive payment based on violations to prevent further escalation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: PRESTIGE FINANCIAL SERVICES INC
State: MS

Complaint narrative:
Unauthorized inquiries own my report requested own XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: N.A.R., Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX I received two calls, back to back, that popped up on my caller ID as NAR. 
When I answered the second call, they introduced themselves as calling from XXXX XXXX XXXX XXXX. 
I confirmed no business with said company and asked the reason for the call. 
Once I verified my name, they switched their identification to North American Recovery. 
They called again, twice in row on XX/XX/XXXX, and contacted my spouse twice in a row. Unfair collection practices identifying themselves as another company, and placing continuous calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was a victim of fraud from the XXXX data leak and am very worried about my identity being stolen again. I opted out of having my data sold to lenders on XXXX but keep getting offers in the mail. I then learned I had selected opt-in not opt-out. I have very poor eyesight and only have a mobile phone and could barely see what was on the screen. It was very difficult to fill out the form with it being so tiny and hard to use. This is the only way you can stop offers and it should be easier to use. Not everyone has a desktop. Its discriminatory please fix

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 2021-12-13 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received an alert from XXXX, XXXX and XXXX credit monitoring that a new inquiry hit my credit report from JPMCB XXXX XXXX on XX/XX/2021. I did not make this inquiry and reported this as fraud to XXXX, XXXX and XXXX credit monitoring. All three monitoring services advised that the inquiry came from JPMCB XXXX XXXX/ XXXX / XXXX XXXX XXXX, XXXX, DE XXXX. Please assist. Thank you.

Company response to consumer: Closed with non-monetary relief