vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify)
State: VA

Complaint narrative:
I recently became aware of the PRBC / MicrobiltConnect credit reporting agency, and attempted to request my credit report and issue a freeze. 

Accessing my credit report required me to create an account, which automatically subscribed me to credit offers that I did not want. 

Contrary to the FCRA and the 2018 Public Law 115174, MicrobiltConnect has not established a website where a consumer may establish a security freeze ( Title III, Sec 301, 6-A-i ). This was confirmed both by support and by phone call ( see attached audio recording ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: MA

Complaint narrative:
ON XX/XX/2021 I SENT THE THREE CREDIT BUREAUS LETTERS TO EXPLAIN THEM THAT I I WAS A VICTIM OF IDENTITY THEFT AND I SENT THEM A LETTER WITH A FTC AFFADAVIT. THEY HAVE YET TO THIS DAY TO RESPOND.

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 2021-04-28 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect information showing in my credit report it has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: TX

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I recently refinanced and in doing so, took out additional cash to pay off my credit cards. 

On XX/XX/2021, I mailed out payments to 12 different credit cards, using the mailing address on the statement and including the statement with the payment ( check was from title company ) All of the payments were applied to the various credit cards with the exception of Commenity Bank. I have 4 store credit cards through Commenity and although they all have different billing/mail addresses, they stated the payments must have gotten lost in the mail. 

On XX/XX/2021 I was required to make a minimum payment on my BJ 's Mastercard in the amount of {$160.00} ( even though I sent a check paying off the entire balance ). A finance charge of {$110.00} was added to my account on XX/XX/2021. 

When the payments were still not received on the 4 store credit cards on XX/XX/2021, the title company cancelled the checks and sent 4 new ones OVERNIGHT. They were sent to a specific address used for overnight payments and sent in 4 different XXXX  envelopes. On XX/XX/2021, 2 of the credit cards ( XXXX Florida and XXXX ), the payments were applied. the other 2 cards ( BJ 's Mastercard and XXXX XXXX ) were never applied. Commenity still claiming the checks were not received. All 4 payments were overnighted to the same address so if 2 were applied, the other 2 should have been as they were all received according to XXXX. 

On XX/XX/2021 the title company again canceled the checks for BJ 's and XXXX and resent 2 more checks, each paying off the card in it's entirety. They sent the payments OVERNIGHT and they were received on XX/XX/2021 at XXXX XXXX  according to XXXX. Commenity is still claiming they haven't received the payments. I am still incurring finance charges and minimum payments on these two cards and I'm at a loss as to what to do at this point. This appears to me to be deceptive practices on the part of the credit card company, especially since the 2 cards they claim to still not have the payments for are the highest balances with the highest finance charges and minimum payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
On Sunday, XX/XX/2021, when I wake up around XXXX and tried to check email, I could not sign in. Then I checked my coinbase pro account to see the activity, it was also not letting me in. Then I realized my XXXX XXXX service was out, but internet was working through my home Wi-Fi. I tried to reset my XXXX account as well as coinbase pro account. I went to coinbase support and email about the incident. After several attempts, I was able to reset my password for email. Then I realize my t mobile service was back and was able to reset coinbase account. I saw all my virtual currency was stolen and left with approximately {$160.00} cash balance. But after few minutes the coinbase pro account signed out automatically and locked. I emailed coinbase support again about the account transaction. Then I immediately called XXXX XXXX customer service about the incident. XXXX XXXX representative acknowledge that my sim was swapped by an unauthorized person around XXXX in the morning and the fraud department later detect the fraud and redirect the sim back to my phone. During this couple of hours of time frame the hacker was able to get into my email, change the email password, get into my coinbase pro account, change the password, and transfer the virtual currency. Also, the hacker deposit {$1000.00} instantly from my linked bank account to buy more virtual currency and transfer that too. I found that Monday morning when I was checking my bank account. It shows as the transaction to coinbase was in process of transferring from my Bank. Since I called my bank on Sunday to stop all transaction from coinbase, they were able to reverse back that {$1000.00} transaction. I informed this issue to coinbase support too. I got a case number from coinbase, but my account is locked. Try to call coinbase customer support but can not have live person to report. Not sure how coinbase is handling the case. Need help to get my money back. Also, called t mobile several times regarding sim swap, they accept its their fault but not willing to compensate the loss. Do not know where to call or how to get help to get my money back. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
On XX/XX/21 I attempted to open an account with SouthState Bank. It was for a {$200.00} bonus code under the promotion XXXX. On XX/XX/21, I received an email stating the bank couldnt verify my identity. When I called customer service, XXXX ( the CSR ) contacted account services and they told her I was out of the radius to open an account online. I only live about 7-8 miles from the XXXX, GA location. After I explained that I couldnt visit the branch due to a recent XXXX XXXX XXXX called the branch manager at the XXXX, GA location. The branch manager refused to help me and wouldnt let me make copies of any documents and upload them to an email. They told me they would only allow me to open an account at the branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Marauder Corporation
State: IL

Complaint narrative:
There are two collections listed with Collection Professional back from 2016, I was told since I paid these that they would be removed off of my credit file I even paid not even knowing I owed these because I have health care insurance. The information is still listed. 

Collection Professional # XXXX Collection Professionals # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-04-28 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:
ON XX/XX/2021 I SENT THE XXXX CREDIT BUREAUS LETTERS TO EXPLAIN THEM THAT I I WAS A VICTIM OF IDENTITY THEFT AND I SENT THEM A LETTER WITH A FTC AFFADAVIT. THEY HAVE YET TO THIS DAY TO RESPOND.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: IL

Complaint narrative:
1 ) Company at issue - Experian 2 ) Mortgage company ( XXXX ) uses Experian to perform a soft pull so as to initiate the application process. I tried multiple times and the error I received at XXXX was that it was not able to check my credit report. Suggestions included using a different address or removing any freezes that may have been placed on the account. 
3 ) I never placed a freeze on my account. I tried a different address. Neither worked. 
4 ) I contacted XXXX, to ensure legitimacy and perform due diligence since I understand the risk associated from the unlawful doclosure of a credit report to an unauthorized party. 
5 ) XXXX was understanding and suggested I add in a middle initial. This also did not work. 
6 ) XXXX said the issues was with Experian and for some reason they were not releasing my credit report to perform the check so that I could begin the application process. 
7 ) I used XXXX to pull my free credit report. 
8 ) I did this and I could see five different soft pulls from XXXX, XXXX on the report. This demonstrates that my identity was verified and the information I provided was a match since the soft pulls ARE ON MY CREDIT REPORT. 
9 ) I called Experian directly and their response was that I hadn't accessed my credit report membership in over a year. 
10 ) I did not know I had a membership, which is concerning. Rep assured me it was a " free membership. '' 11 ) However, this was an inaccurate statement since at that time I was viewing my credit report that was generated a day prior to speaking with the Experian rep. 
12 ) Experian rep did not confirm or deny the ability to see the soft pulls that are clearly visible on the credit report. 
13 ) Experian rep gave no solution for the issue with the bank being able to perform a soft pull. 
14 ) I will not be able to apply for a mortgage with XXXX since the application requires a soft pull prior to initiating the application process. 
15 ) Both a person ( me ) and a business ( XXXX ) is experiencing negative effects from this CRA.

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 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
On XX/XX/21 my XXXX XXXX was hacked and XXXX ETH XXXX current XXXX value of {$100000.00} XXXX was transferred out of my account with no authorization on my behalf. I contacted XXXX and was not able to get a live representative. When I let them know their platform was hacked and my money was stolen they sent a very generic e-mail and then a follow up e-mail that the account was " resolved '' and " closed ''. 

They advertise their wallet as a " secure '' place to store money yet it was easily hacked and my life savings gone. As a result, I am in immense financial and emotional distress. XXXX has done nothing to help. Avoid this company at all cost. They settled in the past for a money laundering case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
Since XXXX of 2020, my company has received calls every few months about purchases made on prepaid mastercards and visa cards in the name of our company. We are a digital marketing agency and have no way of charging consumer credit cards and have not received funds of any of these mentioned debits, but someone seems to be using our company name in their prepaid debit card scam. The amounts have varied, as have the locations of the prepaid card holders. Many seemed to have purchased the prepaid debit cards at their local grocery store ( XXXX is one that has been mentioned several times ). Since we are not actually processing the charges, someone is just using our companies name on these transactions, we are unable to refund the prepaid card users. We have called our local police precinct, but they are unable to help us, as the financial loss is not ours and thus in their eyes no crime has been committed. We have also called the credit/debit card companies to report this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
IDTheft Documents added - Requesting for deletion of the reported items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please see attached documents

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 2021-04-28 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:
Dear XXXX : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction XXXX XXXX ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Someone opened a account in my name and used the card for sometime. I notified capital one they said its my responsibilities .Capital one agreed to remove account from my credit if I paid it. I agreed and they still have it on my credit report as a charge off. They said it would be settled and paid in full and removed from my credit. Its still on as a chargeoff owing XXXX this is very dishonest. How can a company make you pay an account thats not yours. threaten to ruin your credit if you dont pay and tell you that you can settle and it will be removed from your credit report. I filed XXXX ftc reports. I will continue until justice is served. This is horrible. During covid times are very hard. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Sequium Asset Solutions, LLC
State: WI

Complaint narrative:
I received a letter from Sequium Asset Solutions , LLC offering a settlement amount. When I called about the amount a representative from the company XXXX XXXX XXXX XXXX said if we paid the offer amount this would be deleted from my credit reports. That conversation was around XX/XX/XXXX. The rep XXXX XXXX XXXX XXXX said to call her back after I made the payment. I paid the collection agency {$660.00} on XX/XX/XXXX, and called XXXX and spoke with XXXX XXXX to let her know I made the payment of the agreed upon amount of {$660.00}. I again discussed getting this deleted, and she XXXX XXXX XXXX XXXX stated that I should call her back in 30 days and they would do a deletion. On XX/XX/XXXX I called XXXX and spoke with XXXX XXXX who stated that her supervisor would send me a paid letter to my email by the end of that day. In that same conversation she stated that they could not delete this from my credit report and I had to call the initial creditor which is XXXX XXXX, XXXX about the deletion. I reminded XXXX XXXX of our conversation on her recorded line about deleting this, she continued to say I had to go through XXXX for that. On XX/XX/XXXX I spoke with XXXX XXXX about the letter not being received, and she said that her manager said it wasn't processed yet. Again she stated that I needed to talk with XXXX about the deletion. I called XXXX on XX/XX/XXXX about the deletion and they suggested I call XXXX back about the deletion because they couldn't ' do it on their end. There is no need for me to call XXXX back because I've already spoken to them several times. I'm getting the run around. I just want XXXX to be deleted off all XXXX of my bureaus because that's what they said they would do. I feel as though we were mislead about the deletion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: WY

Complaint narrative:
Inquires that show up on my report that are incorrect and unauthorized, please remove all inquires ( XXXX ) see below. 

XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: CORELOGIC INC
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over XXXX days and I haven't received any investigation results.

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 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
There is an account with National Credit Systems Inc for an apartment complex XXXX XXXX XXXX. that is indicating there was money owed due to not giving a written notice. This is not accurate because I did give a 45 day written notice to XXXX who actually worked in the office and he inspected the apt and told us what was needed to be cleaned to avoid any fines. Since we were on a month to month bases since the lease had expired only 30 days written notice was required yet we gave a 45 day notice. We also paid the final utilities so there should be no money owed. They are also sending showing 2 accounts one in the amount of {$1000.00} and the other over {$3300.00}

Company response to consumer: Closed with explanation