vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Inquiry - XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry - XXXX XX/XX/XXXX The two inquiries that I have stated are reporting on my Experian and XXXX credit report. These inquiries have been placed onto my credit report without my knowledge or consent. I am a victim of identity theft. 

I have asked the credit bureaus to remove the fraudulent inquiries from my credit report. They informed me that the items will be removed, but they are still reporting on my credit. There has been no change.

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 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Credit card was opened by XXXX XXXX XXXX XXXX in XX/XX/XXXX. Fraudulent activity took place on the card for approximately {$130.00} in XX/XX/XXXX. Charges were disputed with XXXX XXXX XXXX XXXX and was assured that late payments / delinquencies etc would n't be reported on the credit history because of fraud on the account. 

Credit card charges in the form of late payment / delinquent account still continue to appear on the credit report even after more than 120 days. 

Investigations of the disputed account by all 3 credit bureaus namely Experian, XXXX and XXXX  suggest that the reporting is accurate and have n't corrected the situation. 

Since, the dispute with the credit bureaus have n't yielded much success the FICO score has dropped significantly resulting in denial of credit.

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 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone is using my name, social security number, and date of birth to apply for credit cards.I do not know why anyone would do this, but I have contacted the police to file a police report and I have also placed a fraud alert on my credit report. I have never applied for credit with the banks - I have listed the inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone is using my name, social security number, and date of birth to apply for credit cards.I do not know why anyone would do this, but I have contacted the police to file a police report and I have also placed a fraud alert on my credit report. I have never applied for credit with the banks - I have listed the inquiries. 

Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I would like all hard credit inquiries removed from my credit report, they are making my credit score very low and I am not happy, I work very hard to have good credit scores and when looking to make my credit score Increase I needed more open accnts so that's exactly what I did, i have several credit cards and other loans all with 100 % payment and very good payment history my credit card utilization is very good as well, I have close to 30,000 dollars worth of credit and use maybe 5,000 of it all of witch I pay on, 4 times a month you need open credit and good payment history for a good score all is great except the hard credit inquiries, in my defense how was I supposed to increase my credit score unless I did exsaclty what XXXX XXXX said to do and open more accnts, now because of all the accnts I have in great standing the hard inquiries to get those accnts are destroying my credit report makes no sense, please remove all hard inquiries from my credit report so that my score will go to the XXXX to XXXX score I should be at ... .thank you very much sincerely, hard working great on time payment, works hard to have good credit and takes pride in good credit. XXXX XXXX XXXX ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Credit card was opened by XXXX XXXX XXXX XXXX in XX/XX/XXXX. Fraudulent activity took place on the card for approximately {$130.00} in XX/XX/XXXX. Charges were disputed with XXXX XXXX XXXX XXXX and was assured that late payments / delinquencies etc would n't be reported on the credit history because of fraud on the account. 

Credit card charges in the form of late payment / delinquent account still continue to appear on the credit report even after more than 120 days. 

Investigations of the disputed account by all 3 credit bureaus namely XXXX, Transunion and XXXX  suggest that the reporting is accurate and have n't corrected the situation. 

Since, the dispute with the credit bureaus have n't yielded much success the FICO score has dropped significantly resulting in denial of credit.

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 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Credit card was opened by XXXX XXXX XXXX XXXX in XX/XX/XXXX. Fraudulent activity took place on the card for approximately {$130.00} in XX/XX/XXXX. Charges were disputed with XXXX XXXX XXXX XXXX and was assured that late payments / delinquencies etc would n't be reported on the credit history because of fraud on the account. 

Credit card charges in the form of late payment / delinquent account still continue to appear on the credit report even after more than 120 days. 

Investigations of the disputed account by all 3 credit bureaus namely XXXX, XXXX and Equifax suggest that the reporting is accurate and have n't corrected the situation. 

Since, the dispute with the credit bureaus have n't yielded much success the FICO score has dropped significantly resulting in denial of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After the XXXX breach, I started to get concerned about my credit and wanted to make sure that my information was correct and up to date. I enrolled in a credit monitoring website called XXXX XXXX  XXXX and from there I was able to take a look at my credit report. I started to noticed a few credit inquiries for banks that I did not apply for. This was alarming because i never authorized the credit companies to look at my credit history. I immediately contacted XXXX, Transunion and XXXX to place a block on the fraud inquiries. 

XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017

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 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After the XXXX breach, I started to get concerned about my credit and wanted to make sure that my information was correct and up to date. I enrolled in a credit monitoring website called XXXX XXXX  XXXX and from there I was able to take a look at my credit report. I started to noticed a few credit inquiries for banks that I did not apply for. This was alarming because i never authorized the credit companies to look at my credit history. I immediately contacted Experian, XXXX and XXXX to place a block on the fraud inquiries. 

XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX  XXXX XXXX XXXX XX/XX/2017 Experian XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/2017 XXXX  XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017

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 2018-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
I had purchased Bitcoin various times from the merchant. In mid XXXX 2016, I initiated two purchases of ETHer from COiNBASE.com ( XXXX XXXX, CA corp ) via the Internet. They emailed me stating that the ETHer *would be deposited into my account on a certain date* ( emphasis added ). They did not provide the ETHer on the certain date, nor did they ever provide the ETHer. I also ordered some BTC from Coinbase, on the same date. 

I filed a timely complaint with the state of California consumer financial complaint department. Coinbase responded that they were just complying with fincen. However, they did not resolve the issue and simply let it go - likely because I was not a constituent, residing in CA. 

In retaliation, Coinbase closed my account. They stated : " Hello, Thank you for your interest in Coinbase. Our primary goal is to make digital currency safe and secure for our customers. Coinbase is a regulated Money Services Business under FinCEN ( FinCEN.gov ), and as part of achieving this goal, we are legally obligated to implement regulatory compliance mechanisms. 

Upon careful review, we believe your account has engaged in prohibited use in violation of our Terms of Service and we regret to inform you that we can no longer provide you with access to our service. We respectfully request that you follow the on-screen instructions presented when you log into your Coinbase account to send any remaining balance offsite to an external address. 

Should you have any questions or need assistance, please let us know and we 'll be happy to help. 


Respectfully, Coinbase Customer Support '' There was no " careful review '' and neither my account nor I " engaged in prohibited use in violation of [ their ] Terms of Service ''. Their statement that I can " send any remaining balance offsite '' is also inaccurate. They have some of my litecoin which they are refusing to release to me despite saying " send *any* ( emphasis added ) remaining balance offsite ''. Even their attached support article is false. 

I merely exercised my right to complain to a governmental agency about being XXXX out of over ( > ) XXXX ETHer coins and they retaliated against me for having done so. Ironically, I I also updated my address as allowed by the law which governs me and any transactions which I may make. That may have upset them but I am allowed to do so pursuant to : http : //nvsos.govXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
They will not remove from my credit

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 2018-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I originally took out a loan through XXXX XXXX under circumstances I was n't properly informed. I began paying them directly after I left college without a degree, slowly but surely. Years later, my service was switched to Navient. Unaware of any ability to stop this, I then continued my payments with Navient. After several years of payments, my principal has n't budged but instead it has increased. Unfortunately, I have not kept any original loan documents and can not afford a lawyer to review my documents. But I have continue try my best to make payments. After suffering a recent job loss, I am now receiving non stop phone calls to phone numbers I have removed from my contact information. My family who was previously listed only as references are now being called repeatedly and receiving letters in the mail. I am sure this is to embarrass me and make me feel pressure to not pay one month late but I never provided Navient any of this contact information. Luckily, one of my family members sent me the letter she received. It appears they have mailed all of my contact information including address and phone number. I am now concerned this letter was also sent to an individual I have a restraining order against and there is no way for me to find out. Please point me in the right direction of any help I may be able receive in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ability Recovery Services, LLC
State: WA

Complaint narrative:
For about 6 months, I have been disputing an collection account placed with the credit bureaus by ABILITY RECOVERY SERVICES , LLC. 

This is not my debt. I have previously called the public phone number for Ability Recovery Services and explained that I am not going to pay a collection that is n't mine and to remove the fictitious report from my credit report. The debt collector hung up on me. 

I have disputed with XXXX and XXXX and they have still not removed the account from my credit report. 

I have filed a CFPB complaint ( # XXXX ) against Ability Recovery Services and their response was they will be requesting validation and send it to me. 

In the meantime, they are tarnishing my credit. 

CFPB please help me. This company must be investigated for these illegal acts. They are ruining my credit report. Ability Recovery Services is responsible for me being denied for a credit card solely based on a collection account they reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
For about 6 months, I have been disputing an collection account placed with the credit bureaus by XXXX XXXX XXXX XXXX XXXX. 

This is not my debt. I have previously called the public phone number for XXXX XXXX XXXX and explained that I am not going to pay a collection that is n't mine and to remove the fictitious report from my credit report. The debt collector hung up on me. 

I have disputed with XXXX and Equifax and they have still not removed the account from my credit report. 

I have filed a CFPB complaint ( # XXXX ) against XXXX XXXX XXXX and their response was they will be requesting validation and send it to me. 

In the meantime, they are tarnishing my credit. 

CFPB please help me. This company must be investigated for these illegal acts. They are ruining my credit report. XXXX XXXX XXXX is responsible for me being denied for a credit card solely based on a collection account they reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
For about 6 months, I have been disputing an collection account placed with the credit bureaus by XXXX XXXX XXXX , XXXX. 

This is not my debt. I have previously called the public phone number for XXXX XXXX XXXX and explained that I am not going to pay a collection that is n't mine and to remove the fictitious report from my credit report. The debt collector hung up on me. 

I have disputed with Experian and XXXX and they have still not removed the account from my credit report. 

I have filed a CFPB complaint ( # XXXX ) against XXXX XXXX XXXX and their response was they will be requesting validation and send it to me. 

In the meantime, they are tarnishing my credit. 

CFPB please help me. This company must be investigated for these illegal acts. They are ruining my credit report. XXXX XXXX XXXX is responsible for me being denied for a credit card solely based on a collection account they reported.

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 2018-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affiliated Collection Services, LLC
State: NJ

Complaint narrative:
I have recieved a notice from XXXX XXXX XXXX for a debt that is not mine. I have no knowledge of debt nor have I ever done business with XXXX XXXX XXXX. I have no contract with XXXX XXXX XXXX. 

I have sent notice to the original creditor on XX/XX/17 and have not recieved a response. 

XXXX XXXX XXXX has been given access to my private medical records which is a Hippa Violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: CITIBANK, N.A.
State: NY

Complaint narrative:
hi there, My names XXXX XXXX on XXXX XXXX, 2017, when I was trying to pay for my goods at XXXX XXXX department store, the cashier pitched with a credit card offer I accepted the offer, she took my information, two weeks later I received the XXXX 's credit card, I tried to make an online payment to my new credit card when I was abroad but the website wo n't allow me to create an online account, later when I came back from my vacation, called the credit card to help me create an online account so I could make a payment, I found out that XXXX 's got the wrong SSN in their files thats way I could n't create an online account and, they charged me late fees and interest fees, I told them thats not my problem if they have the wrong information in their system, they apologized and agree to give me my money back ( late fees, interest fee, XXXX $ ), but the could n't do anyting about my credit report because they already reported that I did n't pay them on time, I had XXXX credit score before I get their credit card, they lowered my credit card limit from XXXX $ to XXXX , my credit score drop down to XXXX, I never missed a payment till I got their credit card. 
my goal now is to remove those negative remark from my credit report because it not my fault if they have the wrong information in their system that prohibited me from creating an online account and pay my credit card thanks

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