vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 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: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
XXXX is in violation of numerous consumer rights including : 15 USC 1692 - Fair Debt Collection Practices Act 15 USC 1681 - Fair Credit Reporting Act 15 USC 1601 - 1667f - The Truth In Lending Act 15 USC 1691- The Equal Credit Opportunity Act 15 USC 6801 - 6809 The Gramm Leach Bliley Act I have reached out various times to dispute and inform XXXX of incorrect information being reported as well as to report the numerous violations that have occurred along the way. When I asked representatives how and when the information was validated they told me that XXXX didnt and doesnt validate information before its reported. I advised that they are to adhere to the rules of the FCRA and they advised that they dont have to check the validity of any information before its reported. 

I also advised XXXX that I never gave my written permission or instruction to generate or furnish information about me as needed and identified by the FCRA. I asked for assistance in resolving the issue and each time I call in Im transferred to dead air or hung up on when I recall my rights under the statues and guidelines as set forth with myself being the original creditor and debtor. 

The accounts listed below are in violation : XXXX Student Loans ( 2 ) - payment history is inaccurate as Ive never been late - different reports show 90 days late on different months and Ive NEVER been late as loans were on a forebearance plan - never authorized information to be reported XXXX  XXXX - never had a charge off account American Credit Acceptance - not my account ; was victim fraud - have provided info FTC report/ police report to XXXX XXXX account removed by other agencies by not XXXX XXXX never authorized permission to report Ohio Dept of Human services ( 2 ) - not late on account - payment history incorrect - never authorized permission to report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Nelnet, Inc.
State: AZ

Complaint narrative:
XXXX is in violation of numerous consumer rights including : 15 USC 1692 - Fair Debt Collection Practices Act 15 USC 1681 - Fair Credit Reporting Act 15 USC 1601 - 1667f - The Truth In Lending Act 15 USC 1691- The Equal Credit Opportunity Act 15 USC 6801 - 6809 The Gramm Leach Bliley Act I have reached out various times to dispute and inform XXXX  of incorrect information being reported as well as to report the numerous violations that have occurred along the way. When I asked representatives how and when the information was validated they told me that XXXX didnt and doesnt validate information before its reported. I advised that they are to adhere to the rules of the FCRA and they advised that they dont have to check the validity of any information before its reported. 

I also advised XXXX that I never gave my written permission or instruction to generate or furnish information about me as needed and identified by the FCRA. I asked for assistance in resolving the issue and each time I call in Im transferred to dead air or hung up on when I recall my rights under the statues and guidelines as set forth with myself being the original creditor and debtor. 

The accounts listed below are in violation : Nelnet Student Loans ( 2 ) - payment history is inaccurate as Ive never been late - different reports show 90 days late on different months and Ive NEVER been late as loans were on a forebearance plan - never authorized information to be reported XXXX  XXXX - never had a charge off account XXXX XXXX XXXX - not my account ; was victim fraud - have provided info FTC report/ police report to XXXX XXXX account removed by other agencies by not XXXX XXXX never authorized permission to report XXXX XXXX XXXX XXXX XXXX ( 2 ) - not late on account - payment history incorrect - never authorized permission to report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase have a very, very clear ( I will attach screenshots ) point where it says " Fee : {$0.00} '', however they still charge an INSANE fee : for me each such transaction ( converting from one cryptocurrency to another ) was approximately 5.5 % of my total balance, meaning that after 7 " fee free '' transactions I ended up losing around 40 % of my entire portfolio.

Attached are three images : my balance BEFORE the transaction, the FEE they say they won't charge ( clearly states : Fee {$0.00} ) and my balance RIGHT AFTER the transaction, showing {$6000.00} less. This happened several times. 

My ticket number with them is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: MRS BPO, LLC
State: VA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. I am a victim of false & inaccurate reporting. I have disputed many times & they continue to verify accounts that dont belong to me. XXXX is the only reporting agency who seen I was being taking advantage of and deleted all accounts in my dispute. So if XXXX couldnt verify these same accounts, I will like to be supplied with the investigation process XXXX and XXXX used to verify these accounts. They've furnished 3 accounts that dont belong to me on my report with out proper investigation. Two of which states that I have a collection account with XXXX XXXX  and XXXX XXXX  doesn't own that debt! So those accounts need to be removed immediately because its entirely false. And a XXXX XXXX XXXXXXXX account that I will need proof for as well. I will attach below.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: GA

Complaint narrative:
I recently pulled my consumer report and noticed that there are some Inaccurate alleged accounts being furnished on my consumer report. Because of the error I am being penalized greatly in extremely high interest rates when being approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I received a collection letter from Aldous & Associates regarding XXXX XXXX, on XX/XX/XXXX in the amount of {$290.00} offering a 50 % reduction if paid in full. I requested a validation. No validation sent and they then reported me for 3 separate accounts for {$630.00} to credit bureaus. I sent a CFPB complaint and received back 3 contracts, One was back from XXXX which does not have my signature which makes this contract NULL AND VOID. The other contract for {$160.00} was from XXXX which again does not have my signature the signature is literally a one line scribble, the 3rd contract XX/XX/XXXX was a month to month which was paid for two months and the gym closed due to covid XXXX- XX/XX/XXXX. XXXX sent an email stating due to the covid closure the accounts were frozen and no membership fees charged. I called and canceled in XXXX of XXXX after I saw that the kids club would remain closed and it was limited access on appointment only. They sent an online agreement when they reopened I never signed due to reasons just stated. the kids club remained closed which they still charged me for. At no point in time have they sent me a statement detailed as to which months I allegedly owe them for. Due to my calculations, the two contracts without my signature are null and void, the XX/XX/XXXX I paid for the two months they were open and due to closure and not fulfilling their portion of contract, my cancellation in XXXX should leave me at XXXX to pay the,. See attached documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: TN

Complaint narrative:
They repeatedly submitted claims to the wrong insurance, even after they were told what the proper insurance for my son was. After several repeated, failed attempts to submit to the wrong insurance, they sent us a bill for full amount. We contacted our insurance and they fixed the problem and paid the amount owed for his XXXX. The woman at the front desk refuses to admit error and continued to press for an amount we do not owe. This happens continuously at that location with other families. We will not be bullied into paying double for the repeated mistake of their staff. If this is not removed after this second attempt a lawyer will be sought for damages. Fox Collection claims debt was verified yet no proof was sent from original accuser.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Nelnet, Inc.
State: AZ

Complaint narrative:
XXXX is in violation of numerous consumer rights including : 15 USC 1692 - Fair Debt Collection Practices Act 15 USC 1681 - Fair Credit Reporting Act 15 USC 1601 - 1667f - The Truth In Lending Act 15 USC 1691- The Equal Credit Opportunity Act 15 USC 6801 - 6809 The Gramm Leach Bliley Act I have reached out various times to dispute and inform XXXX of incorrect information being reported as well as to report the numerous violations that have occurred along the way. When I asked representatives how and when the information was validated they told me that XXXX didnt and doesnt validate information before its reported. I advised that they are to adhere to the rules of the FCRA and they advised that they dont have to check the validity of any information before its reported. 

I also advised XXXX that I never gave my written permission or instruction to generate or furnish information about me as needed and identified by the FCRA. I asked for assistance in resolving the issue and each time I call in Im transferred to dead air or hung up on when I recall my rights under the statues and guidelines as set forth with myself being the original creditor and debtor. 

The accounts listed below are in violation : Nelnet Student Loans ( 2 ) - payment history is inaccurate as Ive never been late - different reports show 90 days late on different months and Ive NEVER been late as loans were on a forebearance plan XXXX  XXXX - never had a charge off account XXXX  XXXX  - not my account ; was victim fraud - have provided info FTC report/ police report to XXXX XXXX account removed by other agencies but not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: EQUIFAX, INC.
State: DC

Complaint narrative:
For the past year, I have been attempting to dispute ( to remove ) inaccurate and fraudulent accounts and information from my credit report with the 3 credit reporting agencies " XXXX, Equifax, and XXXX, '' and it has been extremely difficult because they are not cooperating and have also made it difficult for me to dispute items on my own credit report. As an identity theft victim, I have had to obtain a credit monitoring subscription with XXXX where I pay a monthly fee to be able to log into my credit report frequently to monitor my credit report ; Doing so has allowed me to see continuous inaccuracies and fraudulent activities being posted on my credit report with the 3 credit reporting agencies monthly. My most recent dispute of inaccurate and fraudulent activities on my credit report with the 3 credit reporting agencies was this month XX/XX/XXXX, and luckily " ( after much difficulty ) '' XXXX has seem to be the credit reporting agency closest to accurately maintaining accurate updates on my credit report " with the exception of an old ( XXXX ) bankruptcy under public records. '' XXXX and Equifax are currently reporting inaccurate personal information, addresses, and fraudulent accounts to include alleging that I have two credit cards, so to make it easier, XXXX and Equifax should update my credit report in their system with that of my credit report with XXXX. Such should be reflecting across all 3 credit reporting agencies, as standard procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
For the past year, I have been attempting to dispute ( to remove ) inaccurate and fraudulent accounts and information from my credit report with the 3 credit reporting agencies " Experian, XXXX, and XXXX, '' and it has been extremely difficult because they are not cooperating and have also made it difficult for me to dispute items on my own credit report. As an identity theft victim, I have had to obtain a credit monitoring subscription with Experian where I pay a monthly fee to be able to log into my credit report frequently to monitor my credit report ; Doing so has allowed me to see continuous inaccuracies and fraudulent activities being posted on my credit report with the 3 credit reporting agencies monthly. My most recent dispute of inaccurate and fraudulent activities on my credit report with the 3 credit reporting agencies was this month XX/XX/XXXX, and luckily " ( after much difficulty ) '' Experian has seem to be the credit reporting agency closest to accurately maintaining accurate updates on my credit report " with the exception of an old ( XXXX ) bankruptcy under public records. '' XXXX and XXXX are currently reporting inaccurate personal information, addresses, and fraudulent accounts to include alleging that I have two credit cards, so to make it easier, XXXX and XXXX should update my credit report in their system with that of my credit report with Experian. Such should be reflecting across all 3 credit reporting agencies, as standard procedure.

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 2021-09-22 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: AZ

Complaint narrative:
Equifax is in violation of numerous consumer rights including : 15 USC 1692 - Fair Debt Collection Practices Act 15 USC 1681 - Fair Credit Reporting Act 15 USC 1601 - 1667f - The Truth In Lending Act 15 USC 1691- The Equal Credit Opportunity Act 15 USC 6801 - 6809 The Gramm Leach Bliley Act I have reached out various times to dispute and inform Equifax of incorrect information being reported as well as to report the numerous violations that have occurred along the way. When I asked representatives how and when the information was validated they told me that Equifax didnt and doesnt validate information before its reported. I advised that they are to adhere to the rules of the FCRA and they advised that they dont have to check the validity of any information before its reported.

I also advised Equifax that I never gave my written permission or instruction to generate or furnish information about me as needed and identified by the FCRA. I asked for assistance in resolving the issue and each time I call in Im transferred to dead air or hung up on when I recall my rights under the statues and guidelines as set forth with myself being the original creditor and debtor. 

The accounts listed below are in violation : XXXX Student Loans ( 2 ) - payment history is inaccurate as Ive never been late - different reports show 90 days late on different months and Ive NEVER been late as loans were on a forebearance plan - never authorized information to be reported XXXX  XXXX - never had a charge off account XXXX XXXX XXXX - not my account ; was victim fraud - have provided info FTC report/ police report to Equifax XXXX account removed by other agencies by not Equifax XXXX never authorized permission to report Ohio Dept of Human services ( 2 ) - not late on account - payment history incorrect - never authorized permission to report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 and 60 days late. I have read enough to understand my rights. The Bureaus are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NM

Complaint narrative:
I am trying to get my home refinanced and on my credit report it showed i owed XXXX XXXX almost {$900.00} from XXXX of XXXX. I called XXXX directly and they stated they did not have an account under my name and could not find anything with the last of my social or birthday. They said they could not help me but to go to a XXXXXXXX store XXXX I went to the one in XXXX, they stated they were a 3rd party XXXX  store and could not help me I would have to go to XXXX Tx or XXXX NM . to file fraud paperwork. They then stated to call the people who had me with the negative report on my credit. I called them Credence Management ( they are debt collectors ) I spoke to a man and i could not understand him very well as he had a thick accent, he then transferred me to his supervisor XXXX which also had a very thick accent and was quite upset over the bill not being paid. He finally gave me the account number that he was wanting payment on and the account number is XXXX of a XXXX account that was from XXXX not XXXX of XXXX. Credence Management number is XXXX XXXX XXXX it is a New Mexico number but i think the company is based out of the United states.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I was victim to a crypto scam where an individual which I later found out hacked my friends XXXX to lure me into investing with Bitcoin when they kept asking me for more money to get my payout and started asking me for my email and XXXX login information to verify I immediately flagged it as a scam. Every time I sent money they request more or had another reason that I need to send money to recieve a {$250000.00} payout. I called my bank capital one to report it and they began investigating on XX/XX/XXXX I also contacted XXXX where the transactions occurred and they said even tho it was sent to a bogus acct the funds transferred successfully and there was nothing they could do. The bank asked me to provide profs I hadnt received the money back along with transcripts between me and the scammer as well as me and the website it occurred. Upon providing this information they still denied my claim. {$4900.00} dollars is the total amount I am pursuing and reflects all of my savings. Most recently on XX/XX/XXXX said individual reached out to me again via XXXX stating they would send the money today but I will have to send them an additional {$300.00}. I contact capital one again to add this information to my claim but they still have denied it and refuse to reopen the case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XXXX XXXX I filed a dispute against 3 transactions for a purchase that was made to XXXX  XXXX. I called Chime Bank on the 30th day, informing them of my understanding that, by law, the merchant has 30 days to respond to the dispute. On the 30th day, XX/XX/XXXX, I spoke with Chime Bank and they are refusing to give me information on whether the merchant has responded. By law, if the merchant hasnt responded, I am entitled to my refund. Chime Bank is holding a total of {$200.00} between the 3 disputed charges, and refuses to put the money back into my account, even after knowing that XXXX XXXX has not responded to the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
This insurance was set up when my husband was getting a truck from a XXXX dealership. They needed proof of insurance so he set it up really quick under my name ( because we keep accounts logged in ) on accident. When numbers were finalized my husband ended up not getting the truck at all that was paired to insurance and it still sits on the dealer lot.

Company response to consumer: Closed with explanation