vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 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: PA

Complaint narrative:
My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This bureau breached and trespassed my rights of privacy by reporting inaccurate, incorrect and misleading information on their end which is a direct violation of federal law. According to the federal law, it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

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 2021-10-22 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: Early Warning Services, LLC
State: CA

Complaint narrative:
when i tried to apply for a loan that i can pay off my debts off my credit report its reporting to them my personal information where no one has the right or my consent to share information its stopping me for opening up a business checking account that im afraid if it keeps on happening im going to close down my business due to i cant open a business checking account or help to build up or fix my credit if it money they want how they going to get there money i owe them if they stopping me from it and i dont who is doing this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: AL

Complaint narrative:
On XX/XX/2021 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 I'm 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 promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: DISCOVER BANK
State: PA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on DISCOVER FIN SVCS LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 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: GA

Complaint narrative:
In XX/XX/2020 an derogatory account was reported for the amount of 21. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ). I'm in desperate need of this account being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: PA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NIC, Inc.
State: TX

Complaint narrative:
I HAVE BEEN TRYING TO CHALLENGE THE REPORTING OF THIS ACCOUNT TO THE ONLY CREDIT BUREAUS REPORTS THIS TO VALIDATE THIS DEBT, IT'S BEEN 2 YEARS AND I AM STILL SUFFERING WITH THIS ACCOUNTS REPORTING. I HAVE SENT NEMO COLLECTION A DEBT VALIDATION ON XX/XX/2020 WHICH THEY REFUSED WI/ TRACKING # XXXX AGAIN SENT A MAIL WITH TRACKING # XXXX WHICH THEY REFUSED AGAIN. HOW CAN THEY KEEP REPORTING THIS ACCOUNT WITHOUT VALIDATING THIS DEBT THEY CLAIM I OWE. IN ADDITION TO THAT I HVAE PROOF OF MY CREDIT REPORT WITH RANDOM MONTHS THAT SHOWS BALANCE IS CHANGING. THIS IS A VIOLATION! PLEASE HELP ME REGARDING THIS ACCOUNT. I AM TIRED TI DEAL WITH THIS COMPANY. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
pursuant to 15 usc 1632 ( a ) Information clearly and conspicuously disclosed ; annual percentage rate and finance charge ; order of disclosures and use of different terminology Information required by this subchapter SHALL BE DISCLOSED CLEARLY AND CONSPICUOUSLY, in accordance with regulations of the Bureau. The terms annual percentage rate and finance charge shall be disclosed more conspicuously than other terms, data, or information provided in connection with a transaction, except information relating to the identify of the creditor. 
I have provided the united states code that governs my right to know what the finance charge is clearly and conspicuously, I am demanding you provide me with that amount here to use as proof.

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 2021-10-22 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: PA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
What a horrible experience with this store card this bank gives me awful experience from waiting for a letter to verify my indenting yk sending my card Ive waited weeks and havent received my card when I call they refuse to expedite they have me waiting thjs long after approval its ridiculous

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 2021-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
THIS COMPANY IS REPORTING INACCURATELY IN MY REPORT AND ITS DAMAGING MY CREDIT FILE FOR 2 YRS NOW, I HAVE TRIED COMMUNICATING WITH THEM AND SEND THEM LETTERS TO ASK FOR PROPER VALIDATION TO THE DEBT THEY CLAIM I OWE FOR {$430.00}. THEY ARE ALSO REPORTING A 120 DAY LATE IN MY CREDIT REPORT AND A LAST PAYMENT ACTIVITY BUT I NEVER PAID THIS ACCOUNT. IM TIRED DEALING WITH THESE COMPANIES. PLEASE HELP ME. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
I have been using my same coinbase account since XXXX. In late XXXX buys were locked on my account and I submitted a ticket on XX/XX/XXXX ( Case # XXXX ), the issue wasn't resolved for three whole months, they didn't even respond to my initial ticket until XX/XX/XXXX. However, my purchasing/depositing abilities were restored and up until now, I have been using the platform with no issues. However, two weeks ago, buys/deposits were randomly disabled on my account again with no explanation. I submitted a ticket ( Case # XXXX ) on XX/XX/XXXX and now support is claiming that I am BOTH not eligible to purchase crypto AND my account isn't eligible for a review until the end of XXXX ( XX/XX/XXXX ). They also explicitly state that they " are not able to elaborate on this decision-making process. '' They have restricted my account with no rhyme or reason and it is now virtually unusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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:
Final update regarding the following complaints : XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | On XX/XX/2021, the Financial Non-Depository Examiner from the Office of the Commissioner of Financial Regulation in the Maryland Department of Labor confirmed that I do NOT owe the deficiency balance reported by XXXX XXXX, XXXX. The deficiency balance reported by XXXX XXXX XXXX XXXX is disallowed under the power vested to the Commissioner by Md. Code, Com. 12-1021 ( j ) ( 3 ) [ 2021 ].

I demand that the credit bureaus retroactively scrub any and all negative data from my credit reports and deny any additional negative reporting regarding this case. 

Lastly, I am concerned that the CFPB is seemingly a mere soundboard about as effective as a crowd-sourced review website. This process took far too long despite the irrefutable evidence I presented. If I didn't possess advanced legal knowledge as someone who sat for the bar exam during this ordeal, I am not sure I would have been treated fairly in the end. I am seriously worried that laypersons are extremely vulnerable to unfair credit reporting practices with very few resources available offering sufficient recourses. How many people had claims similar to this that were meritious but were only recorded and not resolved because agencies and credit bureaus took the word of the creditor over the debtor even when the debtor was unfairly treated? Here, the creditor only had to create documents to support their defense - of course, it will be biased - so, why accept them for their face value? A deficiency balance is not valid simply because the creditor says so. I hope Congress and state legislatures use this case as an example to strengthen consumer protections and to improve the efficiency of this federal bureau. 

Thank you. 

Enclosures.

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 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NC

Complaint narrative:
Beginning in XXXX of 2021 I had a charge of {$59.00} from XXXX XXXX XXXX. I disputed the charge with XXXX and Chime. XXXX refunded the money but Chime again took it back. This has gone on for 5 months. XXXX refunds the money and chime again takes that too. They also fail to investigate a filed dispute, closing it as denied in less than 10 minutes after filing the dispute. Chime also refuses to allow you to speak to anyone in the US leading me to believe this isnt actually a US company as represented. 
The company is a scam and clearly this is well known and allowed given the volume of complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
THIS COMPANY IS REPORTING INACCURATE INFORMATION IN MY CREDIT REPORT ACROSS ALL THREE CREDIT BUREAUS. IT IS SHOWING A 120 DAY LATE ON THIS ACCOUNT FOR {$3000.00} DEBT THEY CLAIM I OWE, I SENT LETTER VALIDATION TO THIS COMPANY SO MANY TIMES FOR THE PAST YEAR BUT THEY NEVER BOTHER TO RESPOND AND GIVE ME A PROOF OR PROPER VALIDATION OF THIS DEBT. I AM TIRED DEALING WITH THESE COMPANIES. PLEASE HELP ME RESOLVE THIS ISSUE. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I HAVE SEVERAL MONTHS FIGHTING WITH THIS IDENTITY THEFT PROBLEM, THEY USED MY DOCUMENTS TO OPEN BANK ACCOUNTS AND CREDIT CARD IN THE CHIME/XXXX  BANK NA INTITUTION WITH CHARGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc
State: UT

Complaint narrative:
Deceptive advertising by chime falsely claiming that banks place a hard inquiry on your credit report when opening a deposit account with them through the three major bureaus, XXXX, XXXX, and XXXX. This is false, as most banks only do a soft inquiry on reports from the major credit bureaus. This misleads customers that dont want their credit report to be affected to think that they should open an account with chime because, chime does not check credit history, when in fact almost every bank does not make a hard inquiry on consumer credit reports for deposit products, i.e . checking, savings, etc. 

Link : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WSFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I HAVE SEVERAL MONTHS FIGHTING WITH THIS IDENTITY THEFT PROBLEM, THEY USED MY DOCUMENTS TO OPEN BANK ACCOUNTS AND CREDIT CARD XXXX XXXXXXXX IN THE XXXX XXXX XXXX INTITUTION, THEY OPENED A XXXX CHECKING ACCOUNT WITH A CHARGE OF {$2600.00} CRED AND A CRED CARD {$580.00} FEE I NEED HELP WITH THESE FRAUDULENT ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I sent the collection agency a debt verfication letter and they refuse to get back with me.

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 2021-10-22 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: CITIBANK, N.A.
State: PA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2021-10-22 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: GA

Complaint narrative:
I filed a complaint with law enforcement XX/XX/2020. I submitted a police report to equifax and XXXX. These credit reporting companies are inaccurately reporting a XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have sent a debt validation letter and they never responded back. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to anyone to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization.

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 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I lost my closure check for my checking account XXXX and Ive called in for over a week to get a new check mailed out still nothing. Please mail me my new closure check for my checking account in the amount of {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am being sued by XXXX XXXX for failure to pay taxes in XXXX ; and in XXXX. My bank, M & T Bank has escrow to pay taxes and insurance. It appears that M & T Bank has failed to make the tax payments.

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 2021-10-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation