vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I recently file a complaint with the cfpb ( complaint attached ), The company PHOENIX FINANCIAL SERV claims that. Unfortunately, we are unable to locate a definitive account match based on the information provided. 
I gave them my last number of social security. the account # how appears in my credit report and they said they can locate my file.. How can they be reporting something to my consumer reports and they don't even have full information of the alleged account. ( consumer report attached ) This is to formally advise them that I believe this company has violated several of my consumer rights. Specifically : Identity Theft, They should not have any of my personal information. I sent them a debt validation more than 30 days ago tracking # XXXX and they ignored me, also they continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only they ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but they continue to report this debt to the credit bureaus causing damage to my character. To whom may concern : ( Letter attached ) Pursuant to 15 USC 1692c ( c ) I am notifying them in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Deletion from all consumer reports. I will reproduce an invoice with Federal violations due to me by your company if you don't comply with my remedy Best Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: PA

Complaint narrative:
A company named XXXX XXXX is reporting an account on my XXXX, TRANSUNION AND XXXX XXXX report. 15 US Code 6802 disclosures thats financial institution may not directly or through and affiliate ( XXXX, TRANSUNION, XXXX ) disclose any personal information. I did NOT give and written communication to report any such information. 12 CFR appendix B states that a company must displace notice of reporting information ; that was not provided. 15 US code 1692 states without my consent the consumer may not communicate in connection with any debt.

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 2021-11-27 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:
A company named XXXX XXXX is reporting an account on my XXXX, XXXX AND EQUIFAX consumer report. 15 US Code 6802 disclosures thats financial institution may not directly or through and affiliate ( XXXX, XXXX, EQUIFAX ) disclose any personal information. I did NOT give and written communication to report any such information. 12 CFR appendix B states that a company must displace notice of reporting information ; that was not provided. 15 US code 1692 states without my consent the consumer may not communicate in connection with any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: IL

Complaint narrative:
I have 2 addresses that were never mine reporting to my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021, I applied for the XXXX Chase card, I received a declination stating it was due to too many inquires, which multiple were in fact fraudulent inquires. I expressed my concern with XXXX XXXX to submitting my application. On XX/XX/2021 around XXXX I reached out to the reconsideration line and spoke with XXXX, who did not even probe my reasoning for requesting credit, neither accessing the fact that I have multiple accounts with you all and one being an auto loan that has never been late and in fact is paid consistently XXXX to XXXX  days prior to the schedule due date. He stated he would have to decline my application due to the XXXX XXXX account balance that has been closed with a {$350.00} on {$500.00} limit, although I did advise him that the balance was incorrect due to unauthorized transactions and currently being investigated and he couldn't forgive the inquiries because they weren't marked fraudulent, although he had to call me to verify my application for fraud. HE then advised me to contact XXXX regarding such. I deem this unfair due to the reason that I have exhibited exemplary behavior as a customer with regards to the products you all have issued me and the accounts on my credit report displays the same behavior in payment. Even more so when it comes to the XXXX credit card with the {$350.00} balance that has never been late and I've paid directly from my chase checking account and often times the full balance was paid and my bank statements will show that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have put in a dispute for XXXX XXXX that is showing on my credit report, the have fail to remove the collection while it's being investigated which is a violation of the FCRA removing collection from consumer file while being investigated.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi bank claims I rejected thier rates skyrocketing in XXXX so they decided to close my account with out my authorization and stop my purchases during XXXX and XXXX XXXX  for no reason because I asked them to give me a reprensentative in th united state instead of a untrained XXXX agent on my telephone line that could not answer of why account was skyrocketing .This is a sabatoge of my account that i had since 2009 and racial profiling of my account due to my XXXX american diversity. FOR THEM TO LYE ON THIS PHONE XXXX TIMES AS THE REAL CAUSE OF THIS CASE COMES AS PLAIN AS SIMPLE MY DIVERSITY AS ALSO WITH THE COMMAND FOR CITI TO PUT MY ACCOUNT BACK LIKE I HAD SINCE 2009! THIS IS FULL RACIAL EVENT ON THIS CASE AS I CALLED THEM TODAY AS I AM WRITING TO CORRECT A WRONG WITH CITI ASSOCIATES CANCELLING MY ACCOUNT ON PURE A RACIAL DISCRIMINATION EVENT! my account should not been cancelled for defending my right to ask why was citi raising thier rates so high with the same credit card i had for since 2009 and could not give me a answer! I balieve the true issue was my race and the hard to answers the questions i had for thedm on line with XXXX different customer service agents that really could not answer!

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 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have previous submit a complaint with Transunion who resolved most of the problem. I don't understand why they have left things on my public record when all other items were deleted that were associated with this false and damaging information. I have contacting XXXX XXXX who has said they deleted this incorrect information and since the court does not communicate this information with any bureau directly, it is impossible this information is accurate, nor obtained, nor published on my file legally

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: NY

Complaint narrative:
I have contacted Equifax via certified mail multiples in XXXX, XXXX, XXXX ( XXXX & XXXX ) and XX/XX/2021 about removing the fraudulent items on my report and i also sent them my FTC Identity theft form notarized. They still have not the negative fraudulent items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submit complaints about this and Equifax is willfully not participating in compliance of the laws. I have submitted proof that this false and damaging information is false. Neither the data furnisher nor the court is communicating this false items and therefore must be deleted. This has been investigated and is well past 30 days. They are breaking the law and need to pay. These items were not verified in my past disputes, they keep lying. They need to do their due dilligence and delete these items as XXXX has done because they want to stay within compliance of the law. This information is not true and therfore must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have put in a dispute for XXXX XXXX that is showing on my credit report, the have fail to remove the collection while it's being investigated which is a violation of the FCRA removing collection from consumer file while being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have put in a dispute for XXXX XXXX that is showing on my credit report, the have fail to remove the collection while it's being investigated which is a violation of the FCRA removing collection from consumer file while being investigated.

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 2021-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have 2 addresses that were never mine reporting to my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have 2 addresses that were never mine reporting to my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2021-11-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent certified mail to Experian disputing a foreclosure record that was reported as having occurred in XX/XX/XXXX. I requested them to report correctly as the foreclosure was in XX/XX/XXXX. On XX/XX/XXXX I received the results of my dispute stating that after investigations the item remained as is. On XX/XX/XXXX I refiled an electronic dispute with Experian and included a copy of the Final Judgement of the foreclosure. On XX/XX/XXXX I received the results stating that the company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute XXXX dont think Experian is doing its duty in investigating this dispute. Prior to XXXX, the foreclosure was accurately reported on the exact month and year it happened. For reasons best known to Experian, they changed the date of the foreclosure from XX/XX/XXXX to XX/XX/XXXX. This inaccurate reporting hurts people trying to do the right thing and creates doubts about the credit reporting system.

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 2021-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Credit Collection Services did not respond to request to verify the debt owed. Did not send proof they can collect in my state. Did not provide full proof of the debt owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Invested {$33000.00} on Coinbase in a cryptocurrency XXXX and Coinbase halted trading soon after my purchase. They claim they have an internal glitch. Now they have frozen thousands of accounts that hold this coin. They have provided no customer support no timeframe to fix the problem and will not allow me to have access to my money. My coins have been frozen along with thousands of other people. They are a multi billion dollar publicly traded company how can they get by with this. XXXX days now with XXXX communication from them. What can I do? Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After pulling my credit report From XXXX I noticed they had an address that I have NOT resided at before and a name I have never used. 

Invalid Address is : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX TX XXXX Name I Have Never Used : XXXX XXXX XXXX Invalid Accounts I did not sign my signature on : XXXX XXXX  # XXXX - Never signed any accounts with my signature for {$34000.00} XXXX XXXX  # XXXX - Never signed any accounts with my signature for {$13000.00} Under the Fair Credit Reporting Act, the credit bureaus are supposed to report TRUE and ACCURATE information. Please advise them, they have XXXX XXXX  to remove this information.

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 2021-11-27 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: TN

Complaint narrative:
hey, my name is XXXX XXXX. this is my XXXX time filing a complaint against this company for failing to abide by the FCRA laws this is my last time attempting to allow them to make things right outside of a courtroom. if this company fails to comply I will have no other choice but to seek legal action. because of the things that this company is reporting it has made it extremely hard for me to get my life together. I have struggled to find a place to stay and provide for my XXXX kids. I have attached screenshots of my previous complaints which one was closed because the company said it was an unauthorized 3rd party at this point I feel I am being taken advantage of and I feel they are using stall tactics to not follow the proper procedures required by FCRA laws. I am asking for the last time that please remove all these unauthorized items from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I reach out to Equifax today and the representative refused to investigate my inquries I explain that these companies did not have permissible purpose and I have not sought any credit with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been constantly been receiving vulgar calls from JPMCB at work and at home. These calls are causing me stress at my place of employment because my boss is coming down on me because of all the constant calling. I can not have a productive work day without being harassed by this company. I've received calls close to XXXX holidays and all the call 's are really starting to take a toll on my mental health. It's down right overbearing. 

I've attached a Cease and Desist letter to my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please update XXXX with this correct attachment that includes the letters mentioned as proof. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
INCORRECT INFORMATION ON MY CREDIT REPORT. MY PERSONAL INFORMATION WAS STOLEN DUE TO IDENTITY THEFT ON MY CREDIT CARD AND OTHER ACCOUNTS WERE APPLIED TO MY NAME. I FILED A POLICE REPORT AND SUBMITTED THE INFORMATION TO EQUIFAX, AND THEY REFUSED TO HONOR IT. I HAVE REACHED OUT TO EQUIFAX AS WELL AS XXXX XXXX AND XXXX, AND THEY ( XXXX XXXX XXXX XXXX ) REMOVED THE UNAUTHORIZED INQUIRIES ONCE I SUBMITTED THE POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX. of XXXX 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