vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-07-23 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:
I have a loan with XXXX/WALMAR. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting XXXX  and XXXX  Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: UT

Complaint narrative:
I have disputed accounts with the bureaus and have heard nothing. I filed disputes and saw no changes to credit, I got no letters and no correspondence. There are negative items on my account that need to be fixed. Please fix immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have disputed accounts with the bureaus and have heard nothing. I filed disputes and saw no changes to credit, I got no letters and no correspondence. There are negative items on my account that need to be fixed. Please fix immediatley.

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 2021-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Im having issues with Coinbase. My account has been locked since XXXX Im not receiving any response from them after numerous contact. I received a push notification from them about my account been compromised on that day. 

Also a {$1000.00} was withdrawal from my bank account on XX/XX/2021 ... Im working with my bank to resolve that issue. 

I want Coinbase to contact me and unlock my account. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, SCA collections received a certified letter ( XXXX ) in reference to a request to validate a medical debt for {$540.00} that I allegedly owed their client from XX/XX/XXXX. Instead, on XX/XX/XXXX, SCA Collections mailed me a bill detailing private medical procedures, performed by their client, without my prior authorization in violation of HIPAA laws. On XX/XX/XXXX, SCA Collections received a 2nd certified letter ( XXXX ) in reference to a continued failure to validate the alleged debt ( FDCPA Violation ) and an intent to sue for a HIPAA violation if the collection was not immediately deleted from all 3 major credit bureaus. As of the date of this complaint, SCA Collections has not responded or complied with my request for deletion

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 2021-07-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account was paid in full I also received a letter from company it self stated its XXXX  out on there end. My credit report still saying a balance of {$200.00} this is the third time Im disputing it thru Experian I even send prove over from the company it self .. keep getting false information

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 2021-07-23 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
This account was paid in full I also received a letter from company it self stated its XXXX  out on there end. My credit report still saying a balance of {$200.00} this is the third time Im disputing it thru XXXX  I even send prove over from the company it self .. keep getting false information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this CBE GROUP ( Original Creditor : XXXX  XXXX XXXX XXXX ) was reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
MY IDENTITY WAS USED WITH OUT MY KNOWING BY SOMEONE I DONT KNOW, NUMBERS OF UNPAID DEBTS WAS REPORTED FRAUDULANTLY TO MY CREDIT REPORT, CAUSING MY CREDIT RATING TO BE SEVERELY NEGATIVE. I AM SUBMITTING THIS REPORT TO GET SOME HELP IN REMOVING PERMANENTLY THESE NEGATIVE ACCOUNT OF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Account Name : COMENITY BANK/EXPRESS Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: UT

Complaint narrative:
I have disputed accounts with the bureaus and have heard nothing. I filed disputes and saw no changes to credit, I got no letters and no correspondence. There are negative items on my account that need to be fixed. Please fix immediatley.

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 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
We applied for an account online with Wells Fargo in anticipation of our move to XXXX. We completed the application, received the multifactor authentication code for myself and answered credit report questions for my husband. We authorized a transfer from our current bank in XXXX  to open the account. I received an email notice that information validation was pending and, once that was completed, I would receive my debit card in 5-7 days. Then I got an email that said I was denied the account but there was no information provided as to why. The email stated that a letter would come US Mail with details. The letter was the same as the email - no details. I have now received 3 letters via mail and/or email and spent hours on the phone but they will not tell me why I was rejected, nor did they offer me the required information about the reporting agency that supplied the information. One letter ( attached dated XX/XX/2021 ) contained a callback number that is disconnected, an extension that doesn't exist and a named representative that no one could find to put me in contact with.

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 2021-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Summit Horizon Financial Services
State: VA

Complaint narrative:
XX/XX/XXXX - initial contact where I reluctantly gave debit card information for the withdrawal of {$100.00} based on series of information given to and a prior engagement. 
XX/XX/XXXX - per bank statement, automatic withdrawal ( unauthorized ) posted of {$150.00}. The phone number is listed as XXXX is on the statement. 
XX/XX/XXXX - email sent regarding XXXX, cancellation, and refund. 
XX/XX/XXXX - called to cancel and get a refund. Was informed that it would take five to seven ( 5-7 ) business days. Will check on XX/XX/XXXX. **per email, call XXXX XXXX XXXX. I did not see this email until later. 
XXXX XXXX - informed there was no refund issued and nothing in the notes regarding one. Assured me that she would forward the account to the Refund Dept, and they will get back to me. I was not given a phone number or reference number for a follow-up. 
XX/XX/XXXX - I called re : no refund. XXXX informed me that had I canceled within 30 days, I would have been issued an automatic refund. I was shot down when I protested that I should still receive a manual refund versus an automatic one. No luck. I then informed XXXX that I would go with my original process with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: TN

Complaint narrative:
I, Consumer XXXX XXXX have unauthorized inquiries present in my consumer report that originated from identity theft. 15 USC 1681c-2 states that consumer reporting agencies must block and remove any inquiries derived from identity theft. Block and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
XX/XX/XXXX i was coerced into purchasing a XXXX XXXX XXXX from XXXX XXXX XXXX. I was strapped for cash and my credit was at a very low rate to rising bills. At that time i was new to the City in which i reside, with 3 kids, and working from XXXX to XXXX XXXX  in the morning. I had no other transportation nor any family hear. When i originally signed documents to finance a vehicle, the vehicle was a XXXX XXXX XXXX XXXX. I feel as if this was a scare tactic of the Car Dealer to put a person whom they know can not afford a top dollar vehicle, in the vehicle finance, then to only come back with a high dollar amount the dealer knew i could not afford. Then, the dealer ultimately offers the customers a vehicle that with high interest rates and low value, making the consumer feel as if they must take any vehicle they are given by the dealer. 

My vehicle was a XXXX XXXX XXXX, financed at XXXX and it was only valued at XXXX, making the financing company charge me XXXX in interest. At the time of purchase my father had, had a XXXX  in my hometown, in which I was in desperate need for transportation. 

XX/XX/XXXX I lost my job and was out of work until XX/XX/XXXX, I contacted Santander Consumer USA, regarding my payments on this vehicle numerous times due to my ineligibility to pay the high monthly. They afforded me 2 months to make payments but then added the payments to the end of my loan with double interest. 

This past year XXXX Santander Consumer was sued by the state of Georgia due to unfair practices. Where i believe I do fall under the class action suit. When I placed several calls to Santander USA, i was met with rude, unfair telemarketers who was not willing to help. One receptionist even told me " I don't have to give you anything '' when I requested for help with the loan. I informed her of the law suit where the Supreme Court deemed Santander Liable, and able to afford consumers a break. She began to berate me and tell me that i am a grown woman and i should make better choices with my money. I had to hang up because i began to feel nauseous an sick.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-23 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: Veros Credit, LLC
State: CA

Complaint narrative:
I purchase a used vehicle XX/XX/2016 I was finance threw veros credit this was my first time buying a vehicle within the first 30 days I had issues with the vehicle I returned the vehicle for repair at the dealership XXXX XXXX  the vehicle had emission issues I was told it was the Catalytic converter they held my car for 30 days and said it was repaired witch it was not the vehicle would burn a full tank of gas within 10 miles so I reported this to my Finance company veros credit after I tried to get it repaired myself and told them I could not afford the payment due to attempting to repair the car and I told them to come pick the vehicle up they didnt do so until months later when they retrieve the vehicle it had my personal belongings which I was declined to be able to retrieve I also had recipes for the repairs of the vehicle and a statement from my mechanic stating the car was a lemon. Veros credit then auction the vehicle off for over XXXX dollars or more and my balance was estimated XXXX the account has been closed and charged off for over 5 year I am have been charged late fees and miss payments that were reported on my credit report every month for the past 3 years or so my current balance is XXXX and it has effected my credit dramatically I have disputed many times and contacted verso credit told them I had financial hardships and can they stop the late fees and they just hang up in my face every time I have reported to the XXXX and they are denying that they are still charging me till this day I ask for my issue to be resolved by reporting the correct amount due and stop charging me late fees also my last payment on my credit is incorrect My last payment was in XX/XX/2016I was told by XXXX  that since my account has been closed and charged off they should not be continually charging me fees and reporting late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
MY IDENTITY WAS USED WITH OUT MY KNOWING BY SOMEONE I DONT KNOW, NUMBERS OF UNPAID DEBTS WAS REPORTED FRAUDULANTLY TO MY CREDIT REPORT, CAUSING MY CREDIT RATING TO BE SEVERELY NEGATIVE. I AM SUBMITTING THIS REPORT TO GET SOME HELP IN REMOVING PERMANENTLY THESE NEGATIVE ACCOUNT OF MY CREDIT 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 2021-07-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized.. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiryXXXX XXXX XXXX/XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX, XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/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 2021-07-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, equifax, or XXXX  ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
On XXXX, a collection of {$230.00} appeared on my credit report regarding an account that I don't own, and I have never opened a XXXX account. I contacted collection agency ( CCS ) on XXXX, and learned that the report was filed from XXXX against an account I do not know about, and do not own. 

However, what I also learned was that the account owners name was not even my name, yet somehow XXXX & CCS claimed it was me owning them the debt. 

I filed an report to XXXX as directed by CCS on the same day ( XXXX ), and have kept in touch with them every day since XXXX does not disclose investigation progress anywhere else except for phone calls. Every call, XXXX either came back with asking for more information that has been provided to them, or downright saying they are still investigation without providing any more detail. I also asked to speak to the supervisor, hoping to explain the situation clearer, but the customer service never allowed me so, and always refuses to connect me to anyone else while not providing any useful information. 

The collection still appears on my credit report, and the collection agency says they would only remove it from XXXX requests while XXXX representatives are not helping at all. It has drastically impacted my credit score, and is preventing me from even renting an apartment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2021 we inadvertently instructed our bank to pay Citi Bank {$1800.00}. The money was intended for a different card. Unfortunately we had closed the Citi Bank credit card a couple years back and after repeated attempts Citi Bank can not locate or return our money. Our bank XXXX XXXX  has told us that Citi Bank has cashed our check. 

Please help us in returning our funds

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