vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 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: Fairway Independent Mortgage Corporation
State: DE

Complaint narrative:
A mortgage lending company pulled my credit without my direct consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: FL

Complaint narrative:
The following account is a fraud account as I have never opened or used it : XXXX XXXX XXXX account XXXX The attached original creditors bank statement shows XXXX XXXX as part of my address, but I never lived in that XXXX and it doesnt match the correct XXXX XXXX showing on my credit report.Please delete asap.

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 2021-07-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following account is a fraud account as I have never opened or used it : XXXX XXXX XXXX account XXXX The attached original creditors bank statement shows XXXX XXXX as part of my address, but I never lived in that XXXX and it doesnt match the correct XXXX XXXX showing on my credit report.Please delete asap.

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 2021-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote the three credit bureaus, XXXX, XXXX  and TransUnion onXX/XX/XXXX. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

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 2021-07-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I wrote the three credit bureaus, Experian, XXXX and XXXX onXX/XX/XXXX. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

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 2021-07-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a account with XXXX XXXX which was opened XX/XX/2012 the account was paid off XX/XX/2012 XXXX  XXXX XXXX XXXX had the account and I have proof. This is a old debt XXXX XXXX XXXX trying to collect on XXXX the originally account balance was only XXXX. This is a old debt Delete

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 2021-07-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have filed complaint XXXX on XX/XX/2021 ( almost 2 months ago ) against Bank of America, but have not received any response. The following account is a fraud account that I have never opened or used : Bank of America account XXXX Please investigate and delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Medical Administrators, Inc
State: CA

Complaint narrative:
Recieved a bottle of XXXX XXXX for free only had to pay shipping which cost {$6.00}. Used my XXXX XXXX credit card. The purchase was made on XX/XX/XXXX and I received the bottle 2 weeks later! I then received a collections letter from NATIONAL MEDICAL ADMINISTRATORS , INC. Reference number XXXX on XX/XX/XXXX stating that I owe {$110.00}. I called and they say that they are a collector and retained by XXXX XXXX XXXX - XXXX XXXX and the said that I am responsible for a obligation to pay! They told me that my credit card has insufficient funds for them to automatically take this money payment. I never authorized them to take money out of my account. Then they threatened my credit report! Please help me. I still have the unopened bottle and will return it with a refund of {$6.00}. The to free phone number to this collector is XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Coinbase disabled my account on XX/XX/2021, and I have NO idea why. I have tried multiple time to contact them for a status, and even formally filed a complaint using their complaint form on XX/XX/XXXX. I have a large amount of cryptocurrencies stored at Coinbase, and still do not have access to my account. I have kept the sequence of email thread along with all money transactions at Coinbase. My Coinbase Case number is XXXX  and Coinbase Complaint number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-29 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: AR

Complaint narrative:
I have file several complains through CFPB and FTC on-line website, no resolution and sent validation letter with no response, no change to the items in my complaints. There is addresses, inquires name is not mine or validated. XXXX  is updating on a Closed & Collection Account that is not mine, it is Fraud account, a company called XXXX XXXX under an account # XXXX operated by a XXXX XXXX, reported {$80.00} & Late Payment XX/XX/XXXX. This is not my account. Address Fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, FRAUXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting name incorrect XXXX XXXX, FRAUD INVALID Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, Inquires:XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorrect name : XXXX XXXX, invalid FRAUD Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, FRAUD Inquires : ALL ARE DATED FOR XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: AR

Complaint narrative:
I have file several complains through CFPB and FTC on-line website, no resolution and sent validation letter with no response, no change to the items in my complaints. There is addresses, inquires name is not mine or validated. Experian is updating on a Closed & Collection Account that is not mine, it is Fraud account, a company called XXXX XXXX under an account # XXXX operated by a XXXX XXXX, reported {$80.00} & Late Payment XX/XX/XXXX. This is not my account. Address Fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, FRAUD INQUIRES : XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  reporting name incorrect XXXX XXXX, FRAUD INVALID Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, Inquires:XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX. XXXX  : Incorrect name : XXXX XXXX, invalid FRAUD Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  AR XXXX, FRAUD Inquires : ALL ARE DATED FOR XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 2021-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Fact, the origins of this Capital One account was open in connection with a consumer credit transaction on XX/XX/2018. This transaction involved XXXX XXXX XXXX. This transaction included a finance charge. This finance charge was in violation of 15 usc 1605. According to the law A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. XXXX XXXX XXXX in fact took cash as shown in attachment labelled as Exhibit B. 

Fact, the origin of this Capital One account was in connection with a consumer credit transaction that included a finance charge with XXXX XXXX XXXX. This consumer credit transaction was in violation of 15 usc 1605. ( a ) ( c ). This transaction included a finance charge, and according to the law the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. This contract did not include my insurance in my finance charge. The fact of no insurance is shown in Exhibit A and Exhibit B.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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 have filed complaint XXXX on XX/XX/2021 ( almost 2 months ago ) against XXXX  XXXX XXXX, but have not received any response. The following account is a fraud account that I have never opened or used : XXXX  XXXX XXXX account XXXX Please investigate and delete it.

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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I want to know why my credit score will go up to the good range than fall back down.Ipay my bills on time iam not applying for no cards or credit so why or they taking my points away from me everytime i get in the good range i get knoted back i want to know why this is not right if this is the way it is i am going to Quite trying Thank You 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 2021-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have a current loan for used XXXX  but still have not got my tag or been able to get my tags momentum XXXX  or bank of america have no answers or reasons to the hold up. I have been paying on a car from a dealership but have not got my license plate

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 2021-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX  and TransUnion. Thank you!

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 2021-07-29 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: MA

Complaint narrative:
This letter is about the following accounts : XXXX/XXXX  : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ], XXXX XXXX XXXX XXXX : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. XXXX XXXX/XXXX  XXXX : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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:
Please investigate and delete the following disputed account as it does not belong to me : XXXX XXXX XXXX  account 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 2021-07-29 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:
Please investigate and delete the following disputed account as it does not belong to me : XXXX XXXX XXXX  account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX Date : XX/XX/2021 - Unauthorized inquiry by Identity Theft 2. Company Name : XXXXXXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2021 - Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TX

Complaint narrative:
not mine : FCRA violations remove the XXXX that's not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} XXXX Account charged off. {$12000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3000.00} Status Account charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
DEPT OF ED/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3800.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1600.00} Status Account charged off. {$1700.00} written off. {$1600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$940.00} Status Collection account. {$940.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$710.00} Status Collection account. {$710.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$190.00} Status Account charged off. {$190.00} written off. {$190.00} past due as of XX/XX/XXXX. 



Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Resident type Apartment complex XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex see attachments for the evidence that makes this a curtain call

Company response to consumer: Closed with explanation