vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 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: CA

Complaint narrative:
I the consumer XXXX XXXX, have been a victim of Identity theft and have fraudulent/unauthorized accounts showing up on my consumer report that originated from identity theft. I do not have any knowledge of these accounts and my information apparently was in the Equifax data breach. I have been reaching out trying to get this cleared up but haven't made any progress, when talking to the companies and the consumer reporting agencies. 15 usc 1681c-2 states that consumer reporting agencies must block and remove accounts related to identity theft, I have included FTC reports showing the accounts originated from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/2021, I got my first Payment using PayPal but suddenly Paypal HOLD my money for 21 days, therefore, I can't transfer to my bank link to Paypal my money, I follow their advice that If I want to get my money sooner I have to update my tracking number so I did then they said as well even my money was on hold I can receive payment again continue so I did again received payment even the money is in the hold, Now after 5 transactions of payment they PERMANENTLY LOCK my ACCOUNT and they said I have to wait 180 days more to get my money and they said they will use my money. Now I don't have any money PAYPAL already takes control of my account sir. By the way sir I didn't yet finish the 21 days of hold they already lock my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: MA

Complaint narrative:
On XX/XX/2021 I spent over 50 minutes on the phone with XXXX XXXX at the Experian consumer affairs office, ( XXXX ) about disputing the XXXX XXXX hard inquiry done on XX/XX/2021. XXXX XXXX DID NOT HAVE MY AUTHORIZATION DO PULL A HARD INQUIRY ON MY CREDIT. Mr. XXXX spent 50 plus minutes telling me that there was no way to dispute the inquiry, and that there was nothing that he or Experian could do, unless it was specifically identity theft related. As a result nothing was done. It was stated that a dispute could not be opened regarding this. I am requesting if the company needs any additional information, they should contact Mr. XXXX in their consumer affairs office at the phone number listed in the above paragraph. I spent almost an hour on the phone with him and he has any information that they could possibly need from me regarding this complaint. Further complaints to Experian only result in copy and paste responses that do not help whatsoever. This company has been veery rude, disrespectful and unprofessional with regard to my complaint and could care less.

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 2021-09-15 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: CA

Complaint narrative:
I the consumer XXXX XXXX XXXX, have been a victim of Identity theft and have unauthorized accounts showing up on my consumer report. When I initially told the companies about the fraudulent information on my consumer report, they have not done anything to remedy this fraud. 15 usc 1681c-2 , states that consumer reporting agencies must block and remove any accounts that are related to identity theft, which my consumer report shows a Bankruptcy and accounts in Bankruptcy and these accounts are related to identity theft, and I never had knowledge of these accounts. The consumer reporting agencies are reporting accounts that are related to Fraud, and I need these removed as they are damaging my reputation, and also violates 15 usc 1692e as it is false and misleading to place this account on my consumer report. My personal information was involved in the Equifax  data breach and I have not had any knowledge as to what extent my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: UT

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 XXXX  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 2021-09-15 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: SC

Complaint narrative:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: DE

Complaint narrative:
Unauthorized hard inquires on credit file. Submitted report and inquiries still on file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was issued a bofa prepaid edd card in XXXX of XXXX. I was able to make a few purchases and then bofa locked my account and said i needed to have a new card reissued due to fraud. but the company wont reissue me one.i followed all the procedures the bofa wanted me to do I went to the bank twice with different documentation to prove my identity yet still they will not allow me to gain access to my accont,

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 2021-09-15 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: AR

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 XXXX 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 2021-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
Dear Sir or Madam, I noticed that I have had a medical debt back in XXXX. That time I was outside of country ( due to medical issues, I can provide proofs that I took a leave of absencefrom university ). I did not get any letter from the hospital. My ex-roommate did not not even get a letter from them. 
When I got back in XXXX, I moved to anothet house. I had no idea about any debt and i didn't get anything from collecter. I just saw the mark on my credit report, I called the hospital and collector and I paid for it last week. 

They said it would be removed from my report. But it's still on my record! It's affecting my credit score and my life. I've been always good with my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/2021 all trading was disabled on my Coinbase XXXX  account again, and my attempts to place a sell order resulted in the following error message : 'SELLS ARE DISABLED. ' On XX/XX/2021 at XXXX XXXX  I wrote to Coinbase support to report the issue ( Case # XXXX ). 
On XX/XX/2021 at XXXX XXXX  I received an email from Coinbase Support asking what error message ( s ) I was receiving, and/or to provide a screenshot of the issue and upon receipt of the information requested above, they would work hard to quickly address this issue ( ref : XXXX : ref ) On XX/XX/2021 at XXXX XXXX  I replied to Coinbase Support via email providing an attachment with a screenshot of the issue showing the error message 'SELLS ARE DISABLED. ' On XX/XX/2021 all trading is still disabled on my account when this was supposedly resolved after a previous complaint to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: SC

Complaint narrative:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! 


I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I the consumer XXXX XXXX, was the victim of identity theft and I have fraudulent accounts showing up on my consumer report as a result of the identity theft. Please block and remove the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: RI

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: IN

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 XXXX 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 2021-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possibleXXXX For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I the consumer XXXX XXXX, was the victim of identity theft and have fraudulent accounts appearing on my credit report as result of that. These accounts originated from identity theft and are fraudulent, I never benefitted from these accounts. 15 usc 1681c-2 states that any items related to identity theft must be blocked by consumer reporting agencies. The following accounts are related to identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-09-15 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: CA

Complaint narrative:
I the consumer XXXX XXXX, was the victim of identity theft and I have fraudulent accounts showing up on my consumer report as a result of the identity theft. Please block and remove the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: LA

Complaint narrative:
I've gotten in touch with all 3 credit agencies to report all the collections and inquiries on my report to have them removed because there's no signature or validity to any of these there's XXXX XXXX  THAT'S REPORTING I HAVE 4 OPEN ACCOUNTS AND XXXX XXXX REPORTING I HAVE 2 WITH THEM IN WHICH NONE IS TRUE I NEED ALL ACCOUNTS AND IINQUIRES REMOVED

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 2021-09-15 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: CA

Complaint narrative:
I the consumer XXXX XXXX, was the victim of identity theft and have fraudulent accounts appearing on my credit report as result of that. These accounts originated from identity theft and are fraudulent, I never benefitted from these accounts. 15 usc 1681c-2 states that any items related to identity theft must be blocked by consumer reporting agencies. The following accounts are related to identity theft XXXX XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I initiated a payment from my personal bank XXXX XXXX  to my lienholder PNC Bank on XX/XX/2021 check number XXXX. XXXX XXXX  indicated a paper check would be mailed to PNC Bank and arrive by the XXXX. PNC Bank stated it will take them 10 days process the payoff essentially costing me a total of 16 days additional interest on this loan.

I have made several lump sum payments electronically that went through without issue in the past. My problem is that when trying to pay the loan in full PNC requires a paper check and adds 10 additional days for processing. I believe this is an abuse of the consumer by padding interest on a loan that should be able to be paid in full electronically.

Neither XXXX XXXX nor PNC Bank can provide information where my check is and the status of my payoff.

Company response to consumer: Closed with explanation