vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 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: PA

Complaint narrative:
As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX XXXX on Sunday XXXX XXXX2021. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.

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 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMCB CARD

Contact
XXXX XXXX XXXX XXXX DE  XXXXXXXX XXXX XXXX  

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This account has been sold to a third party collector : THE BUREAUS ( Original Creditor : 01 COMENITY CAPITAL BANK ) You are in violation of the FDCPA. This account is being disputed. It shows marked as 'consumer disputes ', yet you still report it to my credit report. 

Collection efforts by your company should cease including reporting this account to my credit report. I will now work with The Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 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: IL

Complaint narrative:
On XX/XX/2021 I disputed the following information with XXXX, XXXX, & Transunion and they have yet to respond in the time allowed by the FCRA. Transunion, XXXX, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
XXXX Negative Accounts : XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion Negative Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-10-14 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: IL

Complaint narrative:
On XX/XX/2021 I disputed the following information with XXXX, Equifax, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, XXXX, & Equifax are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
XXXX Negative Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax  Negative Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: WI

Complaint narrative:
I disputed the following information with Experian, XXXX, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, Experian, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
XXXX GET IT NOW XXXX XXXX XXXX XXXX & XXXX BANKRUPTCY CHAP 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 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I was told that during the time of paying the Debt off with Midland Collections they were going to delete the collections account off of my Credit Report by the months end of the final payment. After contacting them today on XXXX XXXX 2021, the representative stated they were not going to do so until 2 years from the day they received the account through collections. I was never disclosed that they do this over a 2 year period for deleting the account from my reports and never received any information pertaining to that for Midland. I thought it would delete as originally stated which was 30 days from the final debt payment and not what I was told today. 

The last payment was sent to Midland on XX/XX/XXXX for an amount of {$85.00} and total amount of XXXX. With this last payment I should have had this removed as promised by no later than XXXX XXXX, 2021 but instead after talking with them today this was falsely promised and now I am told a totally different thing which is unfortunately effecting my report when I am trying to get a mortgage for my first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: MD

Complaint narrative:
On the morning of XX/XX/21, I awoke to an email from Citi Simplicity Cards telling me that they have closed my account Citi Simplicity Card. The card had a XXXX balance and I have been in good standing with Citi for as long as I had the card. 

I was told there was no activity on the card, which is not actually true as I called Citi to change my address on XX/XX/21 of this year, actually 4 month previous to them closing the card. 

By Citi closing the card, my available credit went down and so did my credit score. I called Citi twice with no resolve and then made a visit to my local Citi branch. They graciously said they would reopen the card after a credit check, which again would be a hit to my credit report and score. I told them NO. 

This is very frustrating as Citi was able to email me for any reason at any time but no email warning about the impending doom of my card and credit scope

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 2021-10-14 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: NJ

Complaint narrative:
I am a victim of identity theft. some one broke into my Dad 's house years ago and stole everything including my personal information. I been reaching out using dispute letter sending them in certified with my correct information correctly spelled name birthday social address and demanding fraudulent account to be deleted from my credit report. my last letter I sent in was XXXX/XXXX/2021 certified with copies of my FTC report Drivers license Social security card and bank statement. nothing has been deleted or removed I will be attaching copies of the document I sent in to this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: NY

Complaint narrative:
Neither XXXX or Transunion will allow me to dispute false information on my report. I have called, written and gone online. XXXX has stated it will not dispute my any false address information and fraudulent charges that XXXX will not investigate. 

Transunion has the same information and is harder to reconcile issues with. They will not allow me to setup an account online to monitor my credit. They are reporting false information and fraudulent charges from XXXX and are unwilling to update the information. Transunion allowed my personal information to be left out to the public and was supposed to give free credit monitoring and never honored their responsibility to me the consumer. Transunion has false information about landlord and tenant information, and has kept it on my record although disputed and false past the XXXX allowable public record reporting Period. Transunion has also allowed fraudulent searches of my credit history by XXXX  XXXX XXXX. XXXX  XXXX XXXX was not authorized to have access to my account and I have not business with XXXX  XXXX XXXX to support their access to my credit. Every time I try to dispute it the company does not respond to my inquiries sent by mail. 

Both XXXX  and transunion refuse to dispute incorrect reported information from XXXX XXXX  XXXX. I have attempted for several months to have the information reported to reflect fraudulent charges XXXX will not investigate but chose to award $ $ to a vendor that fabricated work done and did not fulfill their agreement. Both XXXX, XXXX and Transunion have ensured my credit dropped over 80pts chosing to let a fraud charge stay on my credit report and not ever doing anything to validate that the charge was indeed fraud. All three institutions are working against my rights as a consumer which is to protect my financial credit information. 

XXXX XXXX, XXXX and Transunion are stone walling against facts and using their power to prohibit me as a consumer to get justice against fraudulent interest charges and monies paid to a fraudulent company and giving unauthorized access to my credit information and not allowing me the consumer to monitor and dispute my credit file!

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 2021-10-14 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: PA

Complaint narrative:
As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX XXXX on Sunday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
COMENITYCAP/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit 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 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To Whom It May Concern, I have experienced low level fraud on my Chase bank account from XXXX XXXX on at least two different occasions and I would like to know if this can be investigated further and resolved. 

Each time, I have had over {$200.00} taken from my account in increments of {$50.00} - {$60.00} from four random people like ; " XXXX '', " XXXX '', " XXXX '' and " XXXX '' etc, with the number XXXX attached to it. ( Please see attached bank records transactions took place on XX/XX/XXXX and were reversed in XXXX ). 

These erroneous transactions have caused a negative balance and I need there to be a correction with this account. 

I am also writing the attorney general in this regard. Chase corrected the matter only to reverse and refuse to keep it corrected. 

The account number is XXXX Please advise on what can be done and what further information you need from me in correction to the issue. 

Thank you, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX CEO/ President XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( o ) XXXX ( c ) Volunteer work Neighborhood Advisory Board XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: AZ

Complaint narrative:
XX/XX/XXXX XXXX recongnized some fraudulant activitiy on my checking account. I contacted the customer Service Line in regards to the wrong activitiy. They Stated that they handled all the fraudulant activitiy and that the Checking Account was positive in the amount of XXXX this was XX/XX/XXXX. Than the lady prceeded to inform me that the account was closed and that they would only be recieving deposits though. Until they got a noterized letter from me stating to close the account. I typed up an Offical Letter and sent all the staements marking all the fraudulant activity on the account. In the form of a Certified mail via USPS. XX/XX/2021, I called to follow up on this matter as My Bills were stacking up and I still had not recieved my money. The lady who always seams to answer my calls refused to let me talk to anyone else. I called the MAIN Branch directly and finally got some answers. They supposedly did not get the Noterized Certified letter statements. So I had to do it all again. This time I could not access my statements so everything was all done by memory to the best of my knowledge. I sent it via EMAIL. At no point have I ever recieved a call from them AT ALL. So i followed up on my email and yes It was recieved XX/XX/2021. Now well into XXXX, XX/XX/XXXX to be exact no one has yet contacted me. I have been witing for my XXXX and some change to be released to me for months. I NEED HELP. My car is up for reposession now cause I have not been released my money. Can you help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, a cryptocurrency investor of Coinbase. I invested XXXX trade through the platform. When I was ready to withdraw my funds on XX/XX/XXXX, the XXXX XXXX dealers came up with multiple reasons to decline my withdraw of {$440000.00}. This resulted in a huge financial loss. Coinbase is a publicly-traded company in the United States that permitted XXXX XXXX trade, so they should be responsible for accurate verification of the XXXX trade on XXXX. As Ive trusted Coinbase - investing all my life savings, now XXXX on Coinbase refused to withdraw my funds according to the rules, so I request Coinbase leadership to return my funds of {$440000.00} ( see attachment for the transaction details ). 

Coinbase has a major flaw, enabling fraudsters to abuse its platform. Coinbase gave no warning or effort to stop a transaction to a flagged-for-fraud wallet ; In no time the money is transferred into a wallet reported several times for fraud. Coinbase also doesn't verify me or the receiver of the transaction. This incident has caused my family and I huge financial loss and major physiological impact - resulting in a XXXX on my end. I reserve the right of further accountably of Coinbase on my financial loss and phycological agony. 

I believe that my case is not the first of its kind and will not be the last. 
The following is my record tract of investment on Coinbase, so you can investigate : 1. XX/XX/XXXX, I downloaded the Coinbase app on the XXXX XXXX and registered for an account with phone, email, and driver 's license. 
2. XX/XX/XXXX XX/XX/XXXX, I transferred 11 times totaling {$440000.00} dollars from my XXXX XXXX XXXX bank account into Coinbase purchasing BTC. 
3. I purchased XXXX XXXX trade on the Coinbase platform, funds were transferred from the Coinbase wallet into XXXX platform for a XXXX trade. 
4. XX/XX/XXXX I initiated withdrawal from XXXX platform to Coinbase for selling ( at that time my assets were at {>= $1,000,000} ( RMB ), XXXX online customer service refused my withdraw ( see attachment XXXX Platform ). 
5. This is when I discovered the XXXX platform provided by Coinbase platform is a scam because the legit platforms do not ask for assurance funds. Records are provided in attachments, please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: PNC Bank N.A.
State: PA

Complaint narrative:
Again I Have Been Fighting PNC For Years About This Account This Account Was Not Authorized By Myself. I Need This Off My Credit. If I Have To Involve A Lawyer And Social Media Postings I Will Resort To That. This Is Impacting My Credit And Making It Extremely Difficult To Get A Home Loan. I Want Written Proof Of Ownership Of This Card And Proof That I Signed Up And Made These Purchases. Im Not Going To Be Held Responsible For Something I Did Not Do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
BB&T BANKCARD


Contact
XXXX XXXX XXXX XXXX, NC XXXX
(XXXX) XXXX-XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

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 2021-10-14 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: CA

Complaint narrative:
I have reported to TransUnion that they are reporting XXXX XXXX account as on time in XX/XX/XXXX, then in XX/XX/XXXX they are reporting 90 day late, XX/XX/XXXX as 120 day late, XXXX and XXXX of XXXX as 120 day late each. How can you go from on time to 90 day late, then 120 day late and 120 day late. This is not possible. TransUnion is required to report only accurate 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