vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been a victim of fraud in checking my credit report I have over 47 inquires on my credit reports. I have sent information to all the credit agencies. Nothing has come off as of date. I have attached my police report on this matter.

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 2021-01-25 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: IL

Complaint narrative:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: PA

Complaint narrative:
Fedloans Servicing has violated my federally protected consumer rights under the FCRA by committing the following action under the Truth and Lending Act 15 USC 1601 ( a ) Fedloans Servicing has violated my federally protected consumer rights under the FCRA by committing the following actions : 15 a USC 1681 ( a ) ( b ) 15 USC 1681 ( b ) ( 2 ) 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) 15 USC 1681 ( a ) ( 3 ) ( e ) 15 USC 1681 ( a ) ( 4 ) Fed loans Servicing has also violated my federally protected consumer rights under the FDCPA by committing the following actions : 15 USC 1692 ( d ) 15 USC 1692 ( d ) ( 2 ) 15 USC 1692 ( e ) ( 2 ) ( a ) 15 USC 1692 ( g ) 15 USC 1692 ( g ) ( c ) 15 USC 1692 ( a ) ( 7 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: Credit Plus Inc
State: IL

Complaint narrative:
I didnt authorize the hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
this complaint is for the USBANK RELIACARD, They have repeatedly locked my card restricting access to my funds, i have turn in all necessary documents that was requested several times, I have copies of proof of me emailing, faxing, uploading documents ... I call there everyday begging them to release me funds what more do they want, all this over Me calling in a dispute because I had my information stolen my unemployment money while I was incarcerated. Expecting that money theyre part of my release it wasnt so I filed a dispute and they reimburse me my money immediately froze the account restricted my card access asking me to identify myself through the portals On their website fax number Or upload through the mobile app since XX/XX/XXXX I have done that literally 26 times .I have called 2 to 3 times a day every day since Ive been lied to I have been misinformed its so bad that the person who stole my information and my money their number is still associated with the account because they cant remove the restriction in order to update the numbers so the criminal is still getting alerts about my money And theyre asking me to identify myself which Ive done a really stupid amount of times for them to tell me that they couldnt receive they didnt receive my message are they didnt get my verification I mean I have confirmation numbers Ive documented literally every call every second every person I spoke with somebody please help child support is due XXXX got kicked out of my place Ill slip in the snow and I have no money unemployment and they reported my address changed, these people been blocking my card every since. I sent my ID, SOCIAL, LEASE, TAX RETURN, They claim they are not receiving my selfie that they request me to take Ive take several times on there website. As of now my children and I are in the dark because i cant get my funds off my card and pay my bills. please help

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 2021-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.

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 2021-01-25 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: VW Credit
State: IL

Complaint narrative:
I didnt authorize the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been a victim of fraud in checking my credit report I have over 47 inquires on my credit reports. I have sent information to all the credit agencies. Nothing has come off as of date. I have attached my police report on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I saw two unauthorized transactions on my account and let the company know. They froze my account and have not answered me since. So they have all of my money and I dont have access to it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25 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: Credit Karma, LLC
State: FL

Complaint narrative:
Somebody use my identity and my old address to file for disability and 1040 forms for the year of XXXX. There is also a credit hard push report because apparently they use my personal information to try to get an apartment as far as Im aware. On the disability form it shows that they were born in XXXX when I was born in XXXX and on credit consumer report shows that I own a XXXX XXXX which I have never owned in my life. I dont know if they have done anymore but this is as far as I was able to find out but this was not me I never filed for disability and I have not filed for XXXX yet. My name is XXXX XXXX and my number is XXXX please somebody contact me as soon as possible this is identity five credit fraud and I want to press charges for the fall extent of the law for whoever did this to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch
State: NC

Complaint narrative:
After applying for a mortgage loan in XXXX, I found out that XXXX XXXX report a debt in collection to the credit bureaus. I reached out to XXXX XXXX was told that my account was sent to a third party Kinum ( XXXX XXXX XXXX. Therefore, I contacted Kinum XXXX XXXX XXXX XXXX to resolve this issue and was told that the account wasn't there. I initially applied for a loan from XXXX XXXX to attend XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX in XXXX but didn't attend until XXXX. After 2 months of attending the school, I dropped out due to personal reasons and requested for XXXX XXXXXX/XX/XXXX to send the funds back to XXXX XXXX. I wasn't aware nor notified about any monies owed until reviewing my credit report in XXXX. Recently, Kinum XXXX XXXX XXXX XXXX appeared on my credit report. I reached out to Kinum directly requesting to remove this debt off my credit report based on not having an agreement and requested proof. Kinum sent me a contract with my personal bank and contact information without my knowledge and forged signature. I never gave this information to Kinum. 
Some of the documents have my forged signature that is similar to the representative 's signature. Attached are the documents that includes my driver license enclosing my signature comparing to the forged signature on the falsified documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XX/XX/XXXX. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3. Company Name :XX/XX/XXXX XXXX Inquiry Date : XXXX XXXXXX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2021-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
XXXX XX/XX/2020 Collections opened XX/XX/2020 Amount owed {$1300.00} I have already disputed this collections. I have not lived nor received medical care in XXXX Texas in over seven years. Nor did I receive any mail regarding such collections. 

Ive contacted both XXXX XXXX and Phx financial and this collection is not mine. It just isnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NEW YORK COMMUNITY BANCORP INC
State: MN

Complaint narrative:
During XXXX and XXXX, I had a checking account with my New York Community Bank. And I use their online bill pay service to pay my monthly utilities and other bills. 

In XXXX of XXXX, one of my biller -- XXXX XXXX XXXX XXXX sent me a letter indicated that they did not receive some of the payment I sent from New York Community Bank, even it has cleared from my checking account every months. 

Then I called New York community bank even talked to a manager about this bill pay issue. As instructed, I mailed the letter to XXXX at XXXX XXXX XXXX XXXX, NY XXXX, so to receive my statements that would show all of those cleared online bill payments. 

But after waited for six months, I never receive the statements as their manager told me. 
So, did they really paid my bills? If so, why not mail me the documents?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: DISCOVER BANK
State: FL

Complaint narrative:
I applied for a credit card company named DISCOVER CARD FOR STUDENTS WITH LITTLE TO NO HISTORY OF CREDIT. as of XX/XX/2021. I spoke to 2 people which one was a manager who were so rude and inaccurately getting my credit report information and DECLINING MY APPLICATION FOR NO REASON BECAUSE I DON'T HAVE NO DEGRATORY MARKS. AS I STATED AND AS ON MY XX/XX/XXXXACCOUNT. WHICH SHOWS XXXX $ FOR EVERY STATUS. I HAVE NO CREDIT HISTORY AND FOR THIS COMPANY TO SHOW LACK OF CONCERN FOR CUSTOMERS IS VERY RIDICULOUS. AND STATING THEY DON'T RECONSIDER A PERSON APPLICATION IS VERY DISTURBING BECAUSE THAT IS THE WHOLE POINT OF RECONSIDERING A PERSON APPLICATION NOT DISCRIMINATING AGAINST THEM FOR NO REASON

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has refused to investigate my disputes per Fair Credit Reporting Act of the allged debts of XXXX Account No. XXXX ...., XXXX Account No. XXXX ...., XXXX XXXX Account No. XXXX, XXXXXXXX XXXX Account No. XXXXXXXX ...., XXXX Account No. XXXX ...., XXXX XXXX  Account No. XXXX ...., XXXX XXXX  dc Account No. XXXX. I have attached Experian 's denial to investigation. Experian has given no written reason how and why the disputes have been previously disputed. The disputes have not been previously raised. Under Michigan law the companies must validate the alleged debts with a written contract, not just statements. This has not been done. Also, some of the alleged debts have been dismissed in court. Experian must remove the alleged debts for refusing to also investgate.

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 2021-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint in hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration. These companies are in violation of The Coronavirus Aid Relief and Economic Security ( ChChch ) Act passed by Congress and signed into law on XX/XX/2020. I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.

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 2021-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: ME

Complaint narrative:
I pulled my credit report and noticed that Equifax only was reporting a Medical Bill collection on my account. The date listed was XX/XX/2019 in the amount of {$550.00} by a company called Medical Data Systems INC in XXXX FL. I have no recollection of this Medical Bill and contacted XX/XX/XXXX to dispute the Medical Bill and find out more information. XX/XX/XXXXrefused to remove it and said I had to contact the collector. I contacted the collector, Medical Data Systems INC., at phone number : XXXX. After review of the account, the address they had on file was incorrect and never was my address ( same street and home number but totally different city and zip code ). I then informed them of the incorrect information and asked for This to be removed from my credit report. I also sent in a notarized letter to both XX/XX/XXXX and Medical Data Systems INC with my most recent bank statement and my drivers license to prove my addresses at : Medical Data Systems INC XXXX. XXXX XXXX XXXX FL XXXX XX/XX/XXXXXXXX XXXX XXXX. XXXX XXXX XXXX GA XXXX I still have not heard from either company and request that this be removed immediately.

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 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
the day I turned XXXX I pulled my credit wanted to see what my credit was showing. when i logged in i saw a collection for a collection company linked toXX/XX/XXXX i filled a dispute and i was removed within a few days. well I got a phone call from another collection company this past week trying to collect again, we told them the account was not mine and that you just turned XXXX and your not responsible well the collection company said i was still responsible. how can i be responsible for something that was opened in my name without my knowledge and prior to me being XXXX this is tied to an address i do not live at. 

please remove this is hurting me

Company response to consumer: Closed with explanation