vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-26 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: CA

Complaint narrative:
Previously, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I requested that Equifax send me a copy of the verifiable proof they have on file showing that the XXXX account they have listed on my credit report is actually mine. On XX/XX/XXXX and XX/XX/XXXX, instead of sending me a copy of the verifiable proof that I requested, Equifax sent me a statement which reads, " The information you disputed has been verified as accurate. '' Equifax also failed to provide me with the method of " verification. '' Since Equifax neither provided me with a copy of the verifiable proof, nor did they delete the unverified information, I believe they are in violation of the Fair Credit Reporting Act and I have been harmed as a result. I have again, today, sent my fourth and final written request that they verify the account, and send me verifiable proof that this account is mine, or that they delete the unverified account. If they do not, my next step is to pursue a remedy through litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: Monterey Financial Services LLC
State: VA

Complaint narrative:
I have been having major issues with XXXX XXXX fixing incorrect errors on my account. I also have in writing where a representative told me I needed to call the credit agency and have them send me the credit report on what data they had. I called the agency and they said that was false and they report why they have been sent. 

Dealing with XXXX XXXX is horrid. I ended up having a loan of sorts after signing up for a travel package with world wide travel experts. Nothing is worth dealing with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Back in XX/XX/2017, my credit card company XXXX XXXX XXXX accidentally marked my 8 Coinbase transactions as fraud and blocked them as a result. The transactions totaled {$1800.00}. I received a notification of this from Coinbase through email, which stated that I may need to sort this out with my bank. XXXX pushed these transactions through a few days later after I sorted the issue out with them over the phone. However, Coinbase took a little over 6.2 Ethereum ( virtual currency ) from my account days later on XX/XX/17 to cover the credit card charge backs. This equates to {$1800.00} of purchases, which are outlined below along with their Reference ID/ARN codes. My bank statement is also attached. I have still not been refunded my money. 

Amount Reference ID {$360.00} XXXX {$100.00} XXXX {$300.00} XXXX {$410.00} XXXX {$100.00} XXXX {$200.00} XXXX {$150.00} XXXX {$100.00} XXXX {$36.00} XXXX I have since then reached out to Coinbase on multiple occasions in attempts to sort out the issue. For the first year, I received no responses other than auto replies and generic emails acknowledging the inquiry. My most recent exchange occurred from XXXX to XXXX this year. During this exchange I provided them with my credit card statement and ARN transaction codes that show that funds were sent from XXXX to Coinbase. My credit card statement initially sent me Security Credits for the transactions it mistook for fraud, but the same bank statement will also show that all of those credits were reversed shortly thereafter. 

I've attached my credit card statement from XX/XX/2017 along with multiple email threads of me reaching out to XXXX. The most recent email with the subject title " Case # XXXX - Case #  XXXX Unresolved Since XX/XX/2017, explains the dispute the best. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Lvnv XXXX was settled by me some time back I want it off ny report please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: GA

Complaint narrative:
I never went to school at this place so Im not sure how do I have a bill here!! Havent been enrolled at a school in years!!!

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 2019-07-26 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: CA

Complaint narrative:
Previously, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I requested that Experian send me a copy of the verifiable proof they have on file showing that the XXXX account they have listed on my credit report is actually mine. On XX/XX/XXXX and XX/XX/XXXX, instead of sending me a copy of the verifiable proof that I requested, Experian sent me a statement which reads, " The information you disputed has been verified as accurate. '' Experian also failed to provide me with the method of " verification. '' Since Experian neither provided me with a copy of the verifiable proof, nor did they delete the unverified information, I believe they are in violation of the Fair Credit Reporting Act and I have been harmed as a result. I have again, today, sent my fourth and final written request that they verify the account, and send me verifiable proof that this account is mine, or that they delete the unverified account. If they do not, my next step is to pursue a remedy through litigation.

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 2019-07-26 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:
Previously, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I requested that TransUnion send me a copy of the verifiable proof they have on file showing that the XXXX account they have listed on my credit report is actually mine. On XX/XX/XXXX and XX/XX/XXXX, instead of sending me a copy of the verifiable proof that I requested, TransUnion sent me a statement which reads, " the disputed information was VERIFIED AS ACCURATE. '' TransUnion also failed to provide me with the method of " verification. '' Since TransUnion neither provided me with a copy of the verifiable proof, nor did they delete the unverified information, I believe they are in violation of the Fair Credit Reporting Act and I have been harmed as a result. I have again, today, sent my fourth and final written request that they verify the account, and send me verifiable proof that this account is mine, or that they delete the unverified account. If they do not, my next step is to pursue a remedy through litigation.

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 2019-07-26 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: CA

Complaint narrative:
I have disputed the late payments on US DEPT VETS XXXX, US DEPT VETS XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX accounts for months. The accounts were reported as charge off " open '' with balance. High credit balance, if its different with other credit bureaus, where are these numbers come from? Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
Complaint Against Both XXXX XXXX XXXXXXXX & Citibank-Neither takes responsibility for my lost Credit Balance Refund. Both banks blame the other, CB sent my credit balance refund to the wrong account to XXXX. The end results are that I have been robbed and referred to the Credit Bureau who has referred me to you. 

Last year, in XXXX, XXXX XXXX XXXXXXXX offered me a balance transfer offer. I accepted and was charged a 3 % fee. XXXX wired, on XX/XX/XXXX, {$470.00} to Macys ' [ Citibank is Macy 's financial handler ]. Funds did not post in a timely manner. I called Macys ' then I sent in a min payment to keep the account in good standing. I made  min payment to Macy 's and was told by XXXX representative to send Macy 's another balance Transfer check [ since the first one seemed to have gotten lost ] on which I paid another 3 % [ the 2nd check was for {$800.00} that included the " lost '' {$470.00}. A week later Macy 's posted both checks even though I had set up an inquiry to not post the first check. On XX/XX/XXXX my Macys statement showed a {$470.00} credit balance. Again I asked for [ as XXXX XXXXXXXX XXXX 's representative recommended ] Macy 's to send me the credit balance in a paper check. I waited the recommended 10 days but I have not received my {$470.00} in any form even after sending both banks numerous billing and bank statements. 
Citibank says that they wired it back to XXXX XXXX XXXX to an account for balance transfers that is connected to my XXXX XXXXXXXX XXXX credit card. It has never posted and I have made three 300 mile round trips to XXXX in XXXX XXXX [ the closest branch to me ], numerous phone calls to both banks and spent hours on the phone and had both banks to assure me payment in two billing cycles. 
Macy 's inherited me from XXXX XXXX [ opened acct XXXX ] excellent account XXXX  XXXX XXXX has had my excellent business since XXXX Each bank has noted my constant inquiries and made notes of my complaint. 
XXXX XXXXXXXX XXXX says that both banks have " Black holes '' that funds go into and are never heard from again.

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 2019-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
I sent a certified letter on XX/XX/2019 to Enhanced Recovery Company ( ERC ) addressed to XXXX XXXX requesting validation ; The following items in my initial validation letter were as followed ; - Agreement with your client that grants you the authority to collect on this alleged debt. 
- Copy of the original contract/application that bears the original wet signature of the alleged debtor wherein he/she agreed to pay the creditor. 
- Date this alleged debt became payable. 
- Date of original charge off or delinquency. 
- Verification that this debt was assigned or sold to collectors ERC - Complete accounting of alleged debt. 

I then received a response to my validation letter on XX/XX/2019 from ERC, stating the following ; " Please find the enclosed documentation as it relates to the account '' only to find all they provided was partial bills from the original creditor. 

All of which was not enough to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: CA

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX   XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX accounts for months. The accounts were reported as charge off " open '' with balance. High credit balance, if its different with other credit bureaus, where are these numbers come from? Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this 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 2019-07-26 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: CA

Complaint narrative:
Under the FCRA, unverified accounts must be removed. I have never been contacted by this people in the past to discuss the alleged debt. Transunion did not provide me a copy of verifiable proof, you must remove the accounts listed below. 
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 2019-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: CITIBANK, N.A.
State: DC

Complaint narrative:
I have a loan with BEST BUY/CBNA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and BEST BUY/CBNA with no successful resolution. XXXX  and XXXX   were reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2019-07-26 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:
1. XXXX XXXX - if this account is for collection and collection is by default late, by default past due, number 3 both of them is a violation of FCRA- if its a collection, they should not say charge off. because a collection should not be late nor have a past due. Delete this error 2. remove the following accounts because the payment did not show the correct payment history. The student loans were assigned to government and should not reflect a late payment on it XXXX XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , XXXX   XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: TX

Complaint narrative:
1. XXXX XXXX - if this account is for collection and collection is by default late, by default past due, number 3 both of them is a violation of FCRA- if its a collection, they should not say charge off. because a collection should not be late nor have a past due. Delete this error 2. remove the following accounts because the payment did not show the correct payment history. The student loans were assigned to government and should not reflect a late payment on it XXXX XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED 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 2019-07-26 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: TX

Complaint narrative:
1. XXXX XXXX - if this account is for collection and collection is by default late, by default past due, number 3 both of them is a violation of FCRA- if its a collection, they should not say charge off. because a collection should not be late nor have a past due. Delete this error 2. remove the following accounts because the payment did not show the correct payment history. The student loans were assigned to government and should not reflect a late payment on it XXXX XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED 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 2019-07-26 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:
A deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I asked credit bureaus for proof that the repossession of the subject vehicle was legal in accordance with the law. NO such proof was given to me within XXXX business days after requesting it and this shall be considered null and void. Kindly complain, step up CFPB and remove XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: TX

Complaint narrative:
A deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I asked credit bureaus for proof that the repossession of the subject vehicle was legal in accordance with the law. NO such proof was given to me within 15 business days after requesting it and this shall be considered null and void. Kindly complain, step up CFPB and remove 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 2019-07-26 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:
A deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I asked credit bureaus for proof that the repossession of the subject vehicle was legal in accordance with the law. NO such proof was given to me within 15 business days after requesting it and this shall be considered null and void. Kindly complain, step up CFPB and remove 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 2019-07-26 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:
The credit bureaus put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX ( Original Creditor :  XXXX  XXXX XXXX XXXX TX ), XXXX   XXXX XXXX ( Original Creditor : XXXX AT XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX , ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX - only Equifax report this account, XXXX XXXX XXXX - only XXXX

Company response to consumer: Closed with explanation