vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 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: FL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: IL

Complaint narrative:
Unauthorized use of my credit report. Reporting incorrectly.

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 2021-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Apelles, LLC
State: CA

Complaint narrative:
Apelles LLC keeps calling my work a lady name XXXX continues to call on a daily basis asking for me i usually pick up the phone and when i talk to her i have asked her several times that this is my work number and to please not contact me here to call me on my cell phone number and she says that she can call as many times as she wants and she will continue to call today XX/XX/21 she called again and once again told her to stop calling my work number and she just laughed and said she will call me next week. i don't know what to do they continue to harrass and call my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX, I received a bill stating I was late on a payment and was charged a late fee and interest. I went to check my account and noticed the bill due alert had been removed without notice and can no longer be applied. 

XX/XX/XXXX late fee applied XX/XX/XXXX I submitted a payment for the amount on the bill, {$13.00}. 

XX/XX/XXXX a {$2.00} interest fee was charged XX/XX/XXXX late fee and interest charge reversed after contacting support and pointing out they removed the very alert they were telling me to use. 

At this point, the balance on the card is {$0.00}. 

XXXX I receive a bill stating I owe {$2.00} when I haven't used the card in a long time. 

XX/XX/XXXX a {$2.00} interest charge was applied I contacted support once more telling them I am being charged interest when my balance is {$0.00}. They responded by saying that is correct because I have a carry-over balance. Again, there is no balance as all charges are paid off. 

I replied to the response with proof of their fraud showing the statement proves a {$0.00} balance and they charged the fee in obvious retaliation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/2021 I was unfortunately involved in a scam by making a purchase for an item through XXXX. I had chosen to use XXXX though my Chase Bank account and attempted to send {$600.00} to the individual who was a registered user of XXXX. The XXXX XXXX department flagged the transaction and the status was XXXX XXXX. Within XXXX minutes, I saw another post warning people of the scam for the item. I immediately called XXXX and requested for them to not authorize the transaction, I spoke with the XXXX XXXX department and they said they will cancel the transaction. I was assured through XXXX people at XXXX that my transaction would not go through. About XXXX minutes later, I received a notification through the app that the payment had been delivered and the {$600.00} was deducted from my account. 

I immediately called XXXX to find out why the transaction was processed and I was told you authorized the transaction. I explained to them that I discovered it was a scam and requested that the transaction be canceled. Again, they repeated that I authorized the transaction and that XXXX should only be made to family/friends. XXXX said they would open a claim with XXXX, but when I received a secure message from XXXX on XX/XX/2021 that my claim was closed, I called them and asked about it. They again stated that since I authorized the transaction, there was nothing else they could do about recovering the funds. 

I am highly disappointed in XXXX and their so-called fraud department because even though THEY flagged the transaction as suspicious and it required further review, they allowed the transaction to process anyways. 

There is XXXX protection against getting scammed online, but I figured an app that was a part of most big banks, there would be some sort protection for its users who now do most of their transactions online. 

It just makes me sick that in the world of online transactions, there is nothing that the banks are willing to do in order to support their customers who trust them to hold their hard earned money with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: NC

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: DE

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the letter last XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX 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. PLEASE REMOVE THIS ACCOUNT that still reporting on my account : XXXX XXXX  XXXX XXXX //LATE close - Balance $ XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: IN

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. My request for the correction and removable of the erroneous information about my accounts 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 accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX 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 accounts that are still reporting on my account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} ACEPTANCENOW XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance Owed : {$550.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the letter last XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX 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. PLEASE REMOVE THESE FOLLOWING ACCOUNTS that are still reporting on my account : LATE.CLOSED AM XXXX XXXX - Balance $ XXXX Opened : XX/XX/XXXX XXXX - Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXX  XXXX - Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXX - Balance $ XXXX Opened : XX/XX/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 2021-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I opened a Coinbase account and transferred {$500.00} into it. At a later date, I opened an Coinbase XXXX account and also transferred from my bank {$500.00}. I've made a few small trades using Coinbase XXXX and this account balance should be approximately {$510.00}. 
I decided to close my Coinbase account and keep my Coinbase pro account open. After transferring {$500.00} from Coinbase to my bank, this account ( XXXX balance ) was closed and deleted on XXXX XX/XX/2021. 
Unknowing to me, this also removed access to my Coinbase XXXX account. I submitted my issue via email on XXXX XX/XX/2021 to Coinbase support. They responded via email on XXXX XX/XX/2021, XXXX # XXXX and told me to sign up to Coinbase using the same email address that I originally used. 
I did this ... and now have access to both Coinbase and Coinbase XXXX. The problem however, Coinbase XXXX now shows XXXX balance ( should be approximately {$510.00} ). 
I have since responded/replied to Coinbase support referencing my XXXX # XXXX and asking for help resolving my fund balance ( missing {$510.00} ). I received an automated response saying " Were working hard to quickly address this issue, and we'll reach out to you as soon as we have an update ''. 
As of today ( XXXX XX/XX/2021 )... This issue is still unresolved and have not received any status updates from Coinbase. I called their customer service number at XXXX ( XXXX ) XXXX. This is basically useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: DC

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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. The inaccurate item are still reporting on my report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX FCU-XXXXXXXXXXXXX-Balance {$6400.00} Date Opened : XX/XX/XXXX XXXX XXXX {$13000.00} XXXX XXXX-Balance {$2200.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: DC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 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, XXXX XXXX Sections XXXX 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 XXXX-Date of Inquiry XX/XX/XXXX XXXXDate of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: IN

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I, the consumer asked for the XXXX XXXX XXXX to verify the information that they claim is accurate by providing proof of evidence ; documentation from the creditor claiming that I owe an alleged debt. The XXXX XXXX XXXX has failed to send me proof of documentation as required by the Fair Credit Reporting act. Pursuant to XXXX XXXX XXXX ( a ) ( XXXX ) which comprehensibly states that the only permissible purpose of consumer reports by any consumer reporting agency XXXX furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer who it relates. I, the consumer gave written instructions as to what I wanted removed from my report due to fraud, inaccurate information and violations of my rights.

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 2021-11-19 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: WV

Complaint narrative:
I, the consumer asked for the XXXX XXXX XXXX to verify the information that they claim is accurate by providing proof of evidence ; documentation from the creditor claiming that I owe an alleged debt. The XXXX XXXX XXXX has failed to send me proof of documentation as required by the Fair Credit Reporting act. Pursuant to XXXX XXXX XXXX ( a ) ( XXXX ) which comprehensibly states that the only permissible purpose of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer who it relates. I, the consumer gave written instructions as to what I wanted removed from my report due to fraud, inaccurate information and violations of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
An inquiry from XXXX XXXX is reporting on my XXXX, XXXX and XXXX report. I have disputed this request numerous times and reached out to XXXX XXXX, nothing has been resolved. I'm requesting this inquiry deleted and removed from my account. I am not aware of this inquiry. It does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affiliated Collection Services, LLC
State: NJ

Complaint narrative:
This company completely disregarded everything I have initially disputed with them via correspondence. According to YOUR DOCUMENTS attached you have written " THIS COMPANY IS A DEBT COLLECTOR '' on the bottom of your letters. You are trying to come off as a legally bind company with ME but you are not. 

I am aware that I was violated. As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. 

Your corporation has offensive activities towards me as a consumer, such UNAUTHORIZED use that did not serve me any benefit. 

I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 1 5 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated MY privacy and only I deem what is private to me. 

15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with accurate collections services not have granted that permission. 

As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. 

It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer. You DID not follow my requests, you willingly chose what to follow and what not to follow. 

I specifically stated Pursuant to 15 USC 1692 c. ( C ) ( 2 ). I am invoking my specified remedy as a consumer, and original creditor I am demanding all the following : 1. Zero out the balance of the ALLEGED debt. 2. deletion from all your files. ZERO OUT MY BALANCE and DELETION of my illegally obtained documents from your files and accounts. I have NOT granted permission for my information to be given out as I do not have dealings with you or your company. You have violated my rights over and over again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. These are the inquiries that are reporting on my Credit Reports that need to be REMOVED : XXXX of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX XXXXDate of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020

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 2021-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Statebridge Company
State: GA

Complaint narrative:
Company website never works and its very hard to make payments with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX called me from a XXXX area code saying my light will be cut off within XXXX minutes and gave me a XXXX to call XXXX XXXX  so i XXXX  XXXX transaction XXXX for {$300.00} and the other for {$490.00} to XXXX XXXX. It turned out to be a scammed once i contact XXXX XXXX on XX/XX/2021 so then i contact Chase bank explaining to them that i got Scammed and i was Under the impression that i was Paying con XXXX they wrote down all the information that i told Them. They reversed back the funds on XX/XX/2021 back to my account and now all of sudden today XX/XX/2021 they did a claim reversal so now my chase account is overdrawn. I really Need back my full amount of money {$790.00} i dont Have money like that.. please get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase closed multiple of my credit card without any reason

Company response to consumer: Closed with explanation