vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
Description of Problem : This lender has charged of my credit card account even though they have written this amount off on their taxes. This lender is trying to obtain money that they have already wrote off as an gross income on their annual tax return to the IRS. Gross Income should not be reported on my consumer report. The IRS defines a charge off or canceled debt as gross income. They are criminally and civilly liable for trying to attempt to collect money from me that they have already reported to the federal government as an income. Also, according to IRS I Submit Pagewas supposed to receive a XXXXXXXX XXXX from and never received aXXXX XXXX  form from the lender since the amount of debt canceled was over {$600.00}. Description of Problem : Amount Owed : {$3200.00} Date : Violations Broken : 15 USC Code 1681 s2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2022-03-30 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: MI

Complaint narrative:
I submitted my police report to TransUnion detailing a fraudulent account from XXXX. The account number and fraudulent account details were included in my police report. I also included a copy of my drivers license and social security card. I requested that the fraudulent account be removed pursuant to the Fair Credit Reporting Act, Section 605B. TransUnion verified my name and social security number that has been breached and ignored my police report detailing the fraudulent account that I did not open.

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 2022-03-30 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: OH

Complaint narrative:
I HAVE CONTACTED THE CREDITORS ON XX/XX/XXXX, AND THEY STATED THEY SOLD THE ACCOUNTS AND NO LONGER HAD MY ACCOUNTS. THEY ALSO STATED MY ACCOUNTS SHOWED XXXX BALANCES. THEY ALL HAD SIMILAR STORIES. I HAVE TRIED TO REMOVE THESE ACCOUNTS FROM THE XXXX MAJOR CREDIT REPORTS AND ANY OTHER THAT MAY BE REPORTING FIRST REQUEST LETTER STARTING ON XXXX XXXX, XXXX, AND SECOND ON XX/XX/XXXX, THEY CAME BACK ONLY VERIFYING THE INFORMATION UPDATING THE DATES TO KEEP IT ON MY CREDIT REPORTS LONGER WITH IN CORRECT ACCOUNT NUMBERS, INCORRECT AMOUNTS OWED, INCORRECT COMPANIES OWED ETC. CREDIT BUREAUS REPORTING AMOUNTS ETC. THE DIRECT COMPANY AND ALL THREE CREDIT REPORTING AGENCIES WERE OF NO HELP TO ME AND THIS INFORMATION IS DAMAGING MY CREDIT FILES AND VIOLATING MY CONSUMER RIGHTS. I ASKED TO RECEIVE PHYSICAL DOCUMENTATIONS TO SUPPORT THE CREDIT BUREAUS FULL INVESTIGATIONS I ASKED FOR VERIFICATION BECAUSE MY CREDIT SCORES ARE IMPORTANT TO ME AND I DID NOT RECEIVE MY REQUESTS FROM ANY OF THEM. AGAIN, ALL DIRECT VIOLATIONS OF MY CONSUMERS RIGHTS AND FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: OH

Complaint narrative:
I HAVE CONTACTED THE CREDITORS ON XX/XX/XXXX, AND THEY STATED THEY SOLD THE ACCOUNTS AND NO LONGER HAD MY ACCOUNTS. THEY ALSO STATED MY ACCOUNTS SHOWED XXXX BALANCES. THEY ALL HAD SIMILAR STORIES. I HAVE TRIED TO REMOVE THESE ACCOUNTS FROM THE XXXX MAJOR CREDIT REPORTS AND ANY OTHER THAT MAY BE REPORTING FIRST REQUEST LETTER STARTING ON XXXX XXXX, XXXX, AND SECOND ON XX/XX/XXXX, THEY CAME BACK ONLY VERIFYING THE INFORMATION UPDATING THE DATES TO KEEP IT ON MY CREDIT REPORTS LONGER WITH IN CORRECT ACCOUNT NUMBERS, INCORRECT AMOUNTS OWED, INCORRECT COMPANIES OWED ETC. CREDIT BUREAUS REPORTING AMOUNTS ETC. THE DIRECT COMPANY AND ALL THREE CREDIT REPORTING AGENCIES WERE OF NO HELP TO ME AND THIS INFORMATION IS DAMAGING MY CREDIT FILES AND VIOLATING MY CONSUMER RIGHTS. I ASKED TO RECEIVE PHYSICAL DOCUMENTATIONS TO SUPPORT THE CREDIT BUREAUS FULL INVESTIGATIONS I ASKED FOR VERIFICATION BECAUSE MY CREDIT SCORES ARE IMPORTANT TO ME AND I DID NOT RECEIVE MY REQUESTS FROM ANY OF THEM. AGAIN, ALL DIRECT VIOLATIONS OF MY CONSUMERS RIGHTS AND FCRA.

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 2022-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I am an XXXX XXXX in the XXXX stationed at XXXX XXXX XXXX. I bought a car ( XXXX XXXX XXXXXXXX ) from a dealership in XXXX XXXX by the name of XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. That was my first car in the states and didn't know anything about financing and APR and how the auto dealership can scam you. The XXXX car which barely worth {$14000.00} at the time, cost me XXXX. The dealership also sold me an auto service contract which I never asked for. They didn't even provided any of the documents to me not even the car 's title. They asked me to sign everything digitally and I did it. The first company that finance me was Security National Automotive Acceptance Company LLC, later without informing me the financing company changed to Westlake Portfolio Management. I had an accident in XX/XX/XXXX and the XXXXnsurance company " XXXX '' declare it a total loss. My XXXX insurance paid them {$12000.00} and rest was paid by the XXXX insurance. They should have paid me back the amount they charged me for the auto service contract which I never used it. I tried contacting them through several phone calls and they all ( dealership, financing companies, the XXXX insurance " XXXX XXXXXXXX XXXX " and the auto service provider " XXXX XXXX '' ) ignored me and keep passing on to each other. 
So after working hard for years on my credit, I though I should have a good credit. But after applying for very small loan, the loan officer told me that I have an unpaid balance from auto loan company named Westlake Portfolio Management. I tried contacting them, they told me my account was closed and gave me another company 's name to contact after I explained the situation. I tried calling them everyday, but nothing yet. So I need your help in this, because they ruined my credit, overcharged me and not responding. Thank you.

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 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Description of Problem : This lender has charged of my credit card account even though they have written this amount off on their taxes. This lender is trying to obtain money that they have already wrote off as an gross income on their annual tax return to the IRS. Gross Income should not be reported on my consumer report. The IRS defines a charge off or canceled debt as gross income. They are criminally and civilly liable for trying to attempt to collect money from me that they have already reported to the federal government as an income. Also, according to IRS I Submit Pagewas supposed to receive a XXXX C from and never received aXXXX C form from the lender since the amount of debt canceled was over {$600.00}. Description of Problem : Amount Owed : {$3200.00} Date : Violations Broken : 15 USC Code 1681 s2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2022-03-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, I previously filed a complaint concerning Equifax data not matching in the reports housed on myequifax.com in the daily reports and the Dispute Center. Now, I have also found serious reporting issues on my Annual Report.

You will find my current Equifax Annual Report attached. I highlighted my XXXX and XXXX account because the Age of Account is not correct. The Account Age is short by 1 year for each account. I also attached a screenshot of the account information for each account to show the Date the Account was opened.

This is a serious matter because creditors make decisions based on the Age of Accounts.

Even more serious issue is concerning the Equifax Dispute Center data that I attached. The Age of Accounts is grossly inaccurate compared to what is in the Annual Report. I am not sure what Equifax is reporting. If the Age of Accounts is grossly off on the Dispute Center, I am not sure what they are reporting to the world. 

I need the date corrected on the Age of all my Accounts before end of day Friday, XX/XX/2022, or I am going to send the Equifax CEO proof of these serious issues. Also, I am going to take off a day from work and go sit outside the Attorney General 's office until he listens to what I am telling him about all of these data errors. This is very disturbing. There are too many mistakes. 

NOTE : I ONLY CHECKED THE AGE OF ACCOUNTS FOR MY " REVOLVING '' ACCOUNTS. THE AGE OF ACCOUNTS COULD BE WRONG ON THE OTHER ACCOUNTS AS WELL. 

ALSO NOTE : DO NOT ADD A DISPUTE REMARK ON ALL MY ACCOUNTS AS THAT MIGHT REFLECT NEGATIVE ON ME. PLEASE JUST FIX YOUR DATA AS I HAVE ASKED PREVIOUSLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I was told from a company that my credit was froze I did not freeze my credit so I started to look into this matter. I signed into XXXX XXXX and XXXX and I had no credit freeze so I decided to look into equifax. I tried to log into my equixfax account but could not remember the password so like any normal person I called and told the equifax agent I need to get access to my account & also to ask if I had a credit freeze on my account. The agent asked me security questions and then told me I did have a freeze and I asked for him to remove it and he said yes. I then asked to help with access to my account since I didn't know my password he tried to reset it but it didn't work. It said my account was locked but did not tell me why it was locked. I called back for two more days straight talking to agents who gave me the spin around and wasted my whole day. I finally talked to one agent who finally asked me during the security verification if I had a previous address on file I said yes. He then told me that agents previous locked my account because when they asked for my address I gave them my current address and not the old address that Was linked to my account! Why would your agents waste my time for hours when they simply could have told me I have the wrong address. So now your untrained agents locked my account because I proved my new address instead of my old one And now you are saying I can't access my account unless I mail you guys a company of my ssn card and ID. How do I know that Is safe? Why can't I get access if I just gave you all my information why do I need to mail it. Because of equifax I have been behind on so many things because company 's and myself can't access my account.I wish I never used equifax. It is the worse credit company EVER! You can literally XXXX " I can't aces my equifax account '' and see thousands of treads of people having the same problem with you're company .I have no problems accessing my accounts with XXXX  or XXXX XXXX. I want access to my equifax account only to unlock my credit and NEVER use it again. Please tell me how to access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WA

Complaint narrative:
XXXX XXXX sold a debt to Jefferson Capital Systems and claims I owe {XXXX}. This debt is not valid and I have disputed it numerous times with no success. I never had any phone account with any company or XXXX XXXX in XXXX. After XXXX I was only on friends accounts for my phone for my safety. Im in the address confidentiality program and any account would have had to have occurred before XXXX. If they are referring to an account back in XXXX that debt is now not collectible because it would be past 7 years ago. I am very adamant that this is illegal debt collection, and invalid and not my debt. I did not have an account with XXXX XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
According to the FRCA, it is a violation of a conSumers rights to share a credit report without their knowledge! WHY XXXX XXXX  XXXX XXXX  do I have 24 inquiries on my report?!?

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 2022-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I HAVE CONTACTED THE CREDITORS ON XX/XX/XXXX, AND THEY STATED THEY SOLD THE ACCOUNTS AND NO LONGER HAD MY ACCOUNTS. THEY ALSO STATED MY ACCOUNTS SHOWED XXXX BALANCES. THEY ALL HAD SIMILAR STORIES. I HAVE TRIED TO REMOVE THESE ACCOUNTS FROM THE XXXX MAJOR CREDIT REPORTS AND ANY OTHER THAT MAY BE REPORTING FIRST REQUEST LETTER STARTING ON XXXX XXXX, XXXX, AND SECOND ON XX/XX/XXXX, THEY CAME BACK ONLY VERIFYING THE INFORMATION UPDATING THE DATES TO KEEP IT ON MY CREDIT REPORTS LONGER WITH IN CORRECT ACCOUNT NUMBERS, INCORRECT AMOUNTS OWED, INCORRECT COMPANIES OWED ETC. CREDIT BUREAUS REPORTING AMOUNTS ETC. THE DIRECT COMPANY AND ALL THREE CREDIT REPORTING AGENCIES WERE OF NO HELP TO ME AND THIS INFORMATION IS DAMAGING MY CREDIT FILES AND VIOLATING MY CONSUMER RIGHTS. I ASKED TO RECEIVE PHYSICAL DOCUMENTATIONS TO SUPPORT THE CREDIT BUREAUS FULL INVESTIGATIONS I ASKED FOR VERIFICATION BECAUSE MY CREDIT SCORES ARE IMPORTANT TO ME AND I DID NOT RECEIVE MY REQUESTS FROM ANY OF THEM. AGAIN, ALL DIRECT VIOLATIONS OF MY CONSUMERS RIGHTS AND FCRA.

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 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo denied an unauthorized transaction case I reported and decided to take back the money they credited to my account and said the transactions were authorized. 

The claim is # XXXX. 

These transactions couldn't have been me at all. I haven't left the United States or made any purchases in XXXX  XXXX XXXX. Can some of you guys please look into this nonsense and do something about it? I didn't have this debit card in my possession at the time, neither did I have my wallet or belongings such as my phone ( which was also lost ). 

The fraudster used {$4400.00} of my money all in a few hours. This is way outside of my normal spending limit and activity. I called Wells Fargo and the agent said they couldn't reverse the decision. This is insane and absurd. Can someone do something about this????

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 2022-03-30 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: LA

Complaint narrative:
According to the FRCA, it is a violation of a conSumers rights to share a credit report without their knowledge! WHY XXXX XXXX XXXX XXXX do I have 24 inquiries on my report?!?

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 2022-03-30 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: LA

Complaint narrative:
According to the FRCA, it is a violation of a conSumers rights to share a credit report without their knowledge! WHY XXXX XXXX XXXX XXXX do I have 24 inquiries on my report?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: GA

Complaint narrative:
On XX/XX/XXXX, XXXX XX/XX/XXXX. This is my 3rd attempt trying get XXXX and Transunion to update my consumer report and make sure it reflects the same information as XXXX. I paid my debt for less than the full amount and XXXX is reporting the information accurately but the other 2 credit reporting agencies are not. Credit limit {$8700.00}

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 2022-03-30 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: OH

Complaint narrative:
Unauthorized use of my credit report. Please see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Twice since XXXX, I have been defrauded as a Truist Banking Customer. My checking account has been completely wiped out since the merge or bank change. It was formerly BB & T/SunTrust. I never had these issues with BB & T.

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 2022-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, I invested in XXXX currency from Coinbase.com 2015 and all my investment have been stored on their wallet since then, about a month ago I noticed that my account have been blocked and it says " Sorry, account temporarily disabled. Please contact support '' when trying to log in. 

So I contacted their support and have not received any response from them and it's been over a month now, I created a new support ticket that got closed about 10 days after and today I received a new email from Coinbase saying this : " Hi, Thanks for working with Coinbase Support. 

We hope you were able to get the help you needed. We're closing this case ; if you need additional support, please visit the Coinbase Help Center for quick answers to many questions.

Regards, Coinbase Support '' And they have not even contacted me or helped me with my account. 
I have a lot of money stored and I need to withdraw them, it's my entire life savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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:
On XX/XX/XXXX, XXXX XX/XX/XXXX. This is my 3rd attempt trying get Equifax and XXXX to update my consumer report and make sure it reflects the same information as XXXX. I paid my debt for less than the full amount and XXXX is reporting the information accurately but the other 2 credit reporting agencies are not. Credit limit {$8700.00}

Company response to consumer: Closed with explanation