vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 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: OK

Complaint narrative:
XXXX XXXX, a large national bank contacted a primary account holding on a checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX 2021 ). The account was a joint account with the senior-aged account holder and XXXX adult children. 
The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners. The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). '' Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Yesterday I made a deposit on my account and today when I tried to login and check the deposit it showed my account was suspended when I a called the number I was transferred countless times to a back office operator who literally mistreated and treated me like trash and dropped my calls 3 times and when i would call back he would literally accuse me of hanging up the call, this person literally made notes on my account forbidden people to give me information and everyone i spoke with after this person was invasive and dismissive with me and worst yet the person closed my account and refused to explain to me what exactly happened. 

They literally humiliated me to the point i broke down crying begging for someone to speak with me with a grain of understanding and willingness to tell me and explain me whatever was happening.

They told me they needed to just confirm a few things but in reality that XXXX office person who closed my account and made false reports and notes I literally had an account one day and was using my card less than 24 hours later they closed my account and humiliated me i never in my life felt so mistreated and humiliated. im literally crying writing those words because thats how small and insignificant they made me fell and how they treated me. 

please i want to hear the calls and want to know what i did wrong to be humiliated the way they did to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: MO

Complaint narrative:
Sunrise Credit Services filed a report on my credit saying I owed XXXX  {$130.00} for XXXX XXXX  when Ive never opened an account or inquired/received XXXX  through XXXX. XXXX  also does not provide XXXX  XXXX  anymore so theres no way I would have been able to get it XX/XX/2021 as it stated.

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 2021-08-04 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: OK

Complaint narrative:
XXXX XXXX, a large national bank contacted a primary account holding on a checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX 2021 ). The account was a joint account with the senior-aged account holder and XXXX adult children. 
The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners. The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). '' Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect.

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 2021-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I had a collection agency named Jefferson Capital LLC out of XXXX, Minnesota. They have put a collection account on my credit reports that is not my debt and never had that account opened. I disputed this debt 6 times and the creditor has yet to provide me the proof of debt, and is now illegally still pursuing and reporting the collection against the Fair Debt Collection Practices Act ( FDCPA ). The account was never mine and I have seen several other stories of this collection agency illegally doing this to other people. Jefferson Capital Systems LLC XXXX, MN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
I, consumer and natural person, received a bill demanding to pay. I have never went into a consumer transaction with SYNERGETIC COMMUNICATION, INC. 15 USC 1692 refers to individual privacy. My contract grants an " ORIGINAL CREDITOR '' permission to have my information, it does not give a third-party debt collector permission to contact me. No one is allowed to have or purchase my information without my consent. This is an infringement upon my consumer 's right to privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: IN

Complaint narrative:
On the XX/XX/2021, I called IC debt collection issuing to paid off a account and also to removed the collections off from my credit report. IC system collected unnecessary information to get a payment process. IC System Representative also agreed to process a pay for deletion. After, the representative received the payment. I was told my payment was something completely different from what I agreed to pay my debt for.

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 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

My only address is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX All the other addresses are not valid and each one has to be deleted from my credit file. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 XXXXXXXX

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 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

My only address is : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX All the other addresses are not valid and each one has to be deleted from my credit file. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
i made a purchase of {$1600.00} on XX/XX/XXXX using Affirm credit and returned the item due to if not fitting well. I received confirmation of the return and the full credit issued to affirm on XX/XX/XXXX. On the same day, Affirm credit company is charging me a fee of {$79.00} which appears to be the full interest fee. They have not given me a prorated rate given that I had the product for less than 2 weeks. I find this to be predatory and exploitation. I have the same challenge with 2 other transactions that I used with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XX/XX/2021 I MAILED " CREDIT COLLECTION SERVICES '' XXXX @ XXXX, 2021 THEY RECEIVED MY DISPUTE. 

DATA FURNISHER FAILED TO MARK ACCOUNT AS DISPUTE AND FAILED TO RESPOND TO MY DELETION REQUEST IN A TIMELY FASHION. THEY ARE REPORTING TWO DIFFERENT OPEN DATES, HOW IS THAT EVEN POSSIBLE? I ONLY HAD 1 ACCOUNT. ONE BUREAU IS REPORTING OPEN ACCOUNT STATUS THE OTHER IS REPORTING CLOSED ACCT STATUS. PLEASE DELETE BECAUSE OF INACCURATE REPORTING AND VIOLATION OF 15 U.S. Code 1681e

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: PA

Complaint narrative:
I've both called and sent letters to all 3 credit reporting services ( Experian, XXXX, and XXXX  ). I asked if all 3 companies can remove an account off my credit report that was not mines. I never received a response and its been 68 days. I ask if this account be removed ASAP. 

XXXX Status : Closed Date : XX/XX/2018 Price : {$1500.00}

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 explanation
Consumer complaint received 2021-08-04 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: PA

Complaint narrative:
I've both called and sent letters to all 3 credit reporting services ( XXXX, Transunion, and XXXX  ). I asked if all 3 companies can remove an account off my credit report that was not mines. I never received a response and its been 68 days. I ask if this account be removed ASAP. 

XXXX Status : Closed Date : XX/XX/2018 Price : {$1500.00}

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 explanation
Consumer complaint received 2021-08-04 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: PA

Complaint narrative:
I've both called and sent letters to all 3 credit reporting services ( XXXX, XXXX, and Equifax ). I asked if all 3 companies can remove an account off my credit report that was not mines. I never received a response and its been 68 days. I ask if this account be removed ASAP.

XXXX  Status : Closed Date : XX/XX/2018 Price : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian will not respond to my requests to update my address information and remove the incorrect addresses that do not belong to me from my credit report. I want them to acknowledge my dispute requests and update my credit profile like they should. 


I have never lived at these addresses they do not belong to me ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-08-04 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: OH

Complaint narrative:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. 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 You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the 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 explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a billing statement through the USPS from WELLS FARGO BANK in XXXX for a total of {$420.00}. I noticed violations under the FDCPA and sent them an Affidavit of Truth on XX/XX/21 to enforce my consumer rights and invoke my specified remedy by way of certified mail Article # XXXX which they received on XX/XX/21. They refused to rebut my Affidavit point for point. Instead they sent me a Record of Application Information and stated they decline my remedy.

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 2021-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OH

Complaint narrative:
In XXXX I signed up for PSLF. My loans were transferred from XXXX to Fedloan Servicing and I used an XXXX Award to make a large payment. At the time, I was on an income-driven plan and my bill was for XXXX dollars. When my payments continued to be XXXX dollars, I thought I was doing everything I needed to do. To my horror, it was only years later that I discovered I had been placed in paid ahead status, and the payments I thought were qualifying ... ..were n't. In addition, I never received any communication to re-apply to the income-driven plan and my approval lapsed, I was placed into an alternate plan with no notice. When the mishandling of many student accounts began to hit public consciousness I anxiously checked my own and discovered I was YEARS off track. 

I made dozens of calls to Fedloan and old loan holders to try and figure out what had gone wrong and no one could tell me. After months of being denied my own financial records, I had to put in a request with the State Attorney General to get copies of past bills and qualifying payment counts. When I, at last, received the documents I needed, I was able to prove several inaccuracies, and a 22 payment gap between XXXX of XXXX and XXXX of XXXX was identified as the consequence of paid-head status. 

This is the outcome of deceptive billing practices and horrendous customer service designed to deny students PSLF. There is nothing on the bill to indicate an account is in paid-ahead status. They don't even identify the repayment plan the loan is in!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: Westlake Services, LLC
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft WSTLAKESVC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I temporarily locked my Coinbase account due to fraudulent activity that has since been resolved. Its been 2 months Ive been trying to contact Coinbase to no avail. They say they are still reviewing the issue. They have over $ XXXX  of my money and theres nothing I can do about it. Im at their mercy.

Company response to consumer: Closed with monetary relief