vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 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: NY

Complaint narrative:
Dear Sir or Madame! 
Please be advised that I was a victim of Identity Theft. Upon learning of this incident sometime in Spring XXXX  I immediately filed a notified all credit reporting companies regarding this incident. 
Upon collecting all relevant information pertaining to this incident I had filed a Police report with XXXX in XXXX, XXXX. 
All Credit Reporting Companies were notified in regards. 
I had submitted any and all documents pertaining to Identity Theft to all partied involved and requested to remove all negative information contained therein ... 
Credit reporting companies refused to act and cause irreversible financial harm since I was unable to use my credit in order to obtain mortgage, car loan & /or credit card ... as well as favorable rates ... 
I respectfully request your assistance in order to force credit reporting agencies to acknowledge that identity theft incident occurred and remove any and all negative information from my credit report. 
Respectfully, 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 2021-07-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Sir or Madame! 
Please be advised that I was a victim of Identity Theft. Upon learning of this incident sometime in Spring XXXX  I immediately filed a notified all credit reporting companies regarding this incident. 
Upon collecting all relevant information pertaining to this incident I had filed a Police report with XXXX in XXXX, XXXX. 
All Credit Reporting Companies were notified in regards. 
I had submitted any and all documents pertaining to Identity Theft to all partied involved and requested to remove all negative information contained therein ... 
Credit reporting companies refused to act and cause irreversible financial harm since I was unable to use my credit in order to obtain mortgage, car loan & /or credit card ... as well as favorable rates ... 
I respectfully request your assistance in order to force credit reporting agencies to acknowledge that identity theft incident occurred and remove any and all negative information from my credit report. 
Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I had a reward points from Costco City Credit Card for around {$150.00}. The company forfeited all the points stating that I did not renew the Costco Account. I had moved to XXXX and they dont have a Costco there. So I could not renew it. Hence asking me to renew the costco account was not justified and on top of that they forfeited all my reward points and now harassing me for debt collection. 
I contacted the company multiple times and they will said they will not give the reward points back.

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 2021-07-06 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: CA

Complaint narrative:
XXXX XXXX XXXX Inquiry XXXX XXXX. I've called and informed them that i did not applied for a car with them and that the inquiry most be remove.They check an said they have no record of me in their system. I've since contact transunion an let them know but the Inquiry is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Finance System of Richmond, Inc.
State: FL

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
There is a lot of talk about cryptocurrency these days. A friend has suggested that I start buying. After looking at different options listed by XXXX I decided to start learning crypto  using coinbase.com. I created an account and bought some cryptocurrency coins. I used the coinbase app for XXXX and the app requires a 4 digit pin. I used the app for about a month only having to use the 4-digit pin and I was not practicing the password. After about a month the app required that I type in my password again. I typed what I thought was my password and the app gave me an error " We are having connectivity issues, please sign on using a computer ''. I switched to my laptop and could still not log in. So I used the " forgot password '' link so that I could reset my password. No reset email showed up in my inbox. I repeated this process 10-15 times and never got a reset email. Next I contacted Coinbase help ( help@coinbase.com ) to figure out why the password reset was not working. Going back and forth over several emails with coinbase help, they continued to give me instructions like " clear your cache '' " update your browser '' " try a different browser ''. I tried all of the solutions and could still not get the password reset button to send me a password reset email. Finally, Coinbase informed me that the only way to get access to the money I have already transferred to the company was to " create a new account, verify that account by uploading my ID, clicking a link in an email ( not a good idea due to phishing scams but I had to comply ), I had to provide the last 4 of my SSN. My new account is now verified and according to Coinbase that is not good enough. They still will not give me access to my money. Now they say I have to log into their website and do a " face scan '' so that they can map my face before they will give me access to MY MONEY. This is absurd. Its hoops after hoops and all they do is keep my money. Coinbase is causing me great harm by worrying about my money for almost 2 weeks now. I have accounts at 4 different banks. If I need to change my password on any of their websites, I can do so in minutes. There is no reason XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX can allow me to change my password, but Coinbase will not. I believe Coinbase has stolen my money and they will not allow me into my own account. This is not right. All I want at this point is to end my financial relationship with Coinbase and have them return to me all the funds they have " stolen ''. If you take someone's money and refuse to give it back that's called " theft ''. Coinbase needs to be fined or sanctioned in some way. If they are doing it to me, they must be doing it to others as well. This is not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Run Solutions, LLC
State: CO

Complaint narrative:
I never received any notification regarding this alleged collection. The original creditor provided us with a service that was not working and I canceled my service, at the time I canceled they said nothing was owed and service canceled. I recently pulled my credit report and I was unsure of what this was, I then saw the original creditors name next to collection company and I called them, they stated they charged me an early termination fee. This was not discolsed to me at the time I canceled, nor did they give me any option to pay this, and this is unscrupulous on each parties actions.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
This complaint is in regards to non response to my inquire to LoanDepot for a Credit/refund for increasing the closing costs above the legal limit. 
The question I asked XXXX XXXX was why we received a credit against our closing costs. 
His reply was 'there is a threshold that can not be exceeded for all mortgage loans in this area '. 
Our closing costs increased yet again ( substantially ) and I asked two times if we are due another refund or credit. Unfortunately, those questions were not answered. 
Closing occurred on XX/XX/21 but no disbursements have yet been made. 
Messages regarding the credit/refund were sent prior to closing taking place. 
All I want to know is if a credit/refund is ( was ) due for the closing costs going even higher and further exceeding the allowable limit in my area. 

I had to submit complaints to XXXX  and a previous complaint to CFPB ( # XXXX ) just to re-establish dialogue between myself and LoanDepot representatives since closing was delayed well over a month. 

Please help me answer this question. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-06 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
There has been information published on a consumer report that I never gave either company ( XXXX XXXX, OR NAVIENT ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts are validated. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with NAVIENT. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please delete the accounts below due to several violations of the law. The companies in question for the alleged debt are as follows : NAVIENT ( ACCOUNT : XXXX ) and NAVIENT ( ACCOUNT:XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
This account has been paid in full and not in a derogatory status. XXXX has not made an update on this account since XXXX. This account is Reflecting that the last Payment on this account was XXXX which Is XXXX. This account was apart of a multi state settlement and as part of the settlement this account was supposed to be cleared from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 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: LA

Complaint narrative:
This is my 3rd time submitted my dispute complaint and no one is doing anything nor am I getting any responses back from any of the credit bureaus. 


XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXXUNVERFIED ACCOUNT XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXX  XXXXUNVERIFIED ACCOUNT XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX-UNVERIFIED ACCOUNT XXXX  XXXXUNVERIFIED ACCOUNT XXXX XXXX  -UNVERIFIED ACCOUNT XXXX  XXXX XXXX XXXXUNVERIFIED ACCOUNT Public Records-Bankruptcy-XXXX NOT MY BANKRUPTCY I want these items deleted immediately. 

Thank You, 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 2021-07-06 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: LA

Complaint narrative:
This is my 3rd time submitted my dispute complaint and no one is doing anything nor am I getting any responses back from any of the credit bureaus. 


XXXX  UNVERIFIED ACCOUNT XXXX XXXX  XXXXUNVERIFIED ACCOUNT XXXXUNVERFIED ACCOUNT XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXXXXXXUNVERIFIED ACCOUNT XXXX XXXX  -UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT Public Records-Bankruptcy-XXXX NOT MY BANKRUPTCY I want these items deleted immediately. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have been going back-and-forth in between the credit bureaus and Ally financial as far as correctness problem with an account that is listed as close when in all actuality it is open I have tried to fix this numerous times the dates of the account are incorrect as far as it goes pertaining to the payment history and the current status of the account I have tried to fix this numerous times over the telephone with both the credit bureaus and also with Ally financial

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 2021-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are 2 inquiries on my TransUnion credit report that I DID NOT AUTHORIZE and needs to be DELETED IMMEDIATELY. 
XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I did not authorize these 2 inquiries and I am requesting that they be deleted from my TransUnion credit file. If TransUnion finds that I am remiss, I would like to request that they send me ALL documentation substantiating that these inquiries are mine. I have filed an Identity Theft Statement and TransUnion still did not remove them.

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 2021-07-06 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 have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following names are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX Account Number : XXXX XXXX and Equifax are not reporting this account, XXXXn is reporting an opened date of XX/XX/XXXX with a balance of {$67.00}, XXXX XXXX XXXX Account Number : XXXX XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$1800.00}, XXXX and Equifax are reporting an opened date of XX/XX/XXXX with a balance of {$1800.00}, XXXX XXXX ( XXXX ) Account Number : XXXX XXXX and Equifax are not reporting this account, XXXX is reporting a opened date of XX/XX/XXXX with a balance of {$230.00}, XXXX XXXX ( XXXX XXXX Account Number : XXXX XXXX is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX with a balance of {$490.00}, ORIGINAL CREDITOR Account Number : XXXX XXXX and XXXX are not reporting this account, Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$150.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information and/or provide proof with signatures of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation