vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am writing your company today to inform them of the violation of my rights under the laws put in place by congress to protect the consumer. Your company is in direct violation of the Fair Credit reporting act. Section 603 ( 2 ) states the exclusions of the things that should not be reporting on a credit report. A consumer report does not include the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer. Not only that, but it is also a defamation of character reporting this information on my consumer report which pertains to a violation under the FDCPA. My lawyer has told me that these violations are subject to litigation and payment of up to {$1000.00} for each violation. This information comes directly from the 15 USC 1681 so understand if you disregard this information, you are in direct violation of Federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
This has been a very hard ongoing investigation with Capital one. I been very sick and had an emergency operation and became XXXX in a matter of days. 
I had no time to waste I had to go with the hospitals and have a home card after my operations. for several years I was at the mercy of home care and had to allow my home to run with strangers and bills had to be paid with people i didn't know. as you can see I had questions on how my card reports came though for years I tried to understand why charges were on the account without me knowing there were several different people paying my bill while so others were using my credit cards without my permission. I have an attorney write letters to explain but i did not receive an answer. I really thought it was ok because you change the card numbers but during the time it took to get my cards in a settlement since I was not able to see my statements but was able to start paying my own bills after years of fraud that these caregivers has done. then this has happened I reported right away and was given a police report and the necessary investigation was taken. 

you have been helping in a way that I am grateful for. put please it is now years that I am asking you to take the late data off my report. 

it been years and since I'm still fighting for my credit I'm asking they you understand how this is hurting my life i reported to the police and my insurance company. here are the dates and credit card numbers. i know this is hard to understand now that I'm explaining maybe you cau erase the late data off om report that i had no fault because all my cards were paid off and and the cared works paid my bills and used my card without my permission account ending XXXX. Account number XXXX. Account number XXXX late XX/XX/2017 late 30 day late XX/XX/2017 late 60 days late XX/XX/XXXX 90 days late XX/XX/XXXX 120 days late XX/XX/XXXX Late 30 Days late XX/XX/XXXX 60 days late XX/XX/XXXX 90 days XX/XX/XXXX 120 days late XX/XX/2017 late 30 days late XX/XX/XXXX 60 days XX/XX/XXXX 90 days late XX/XX/XXXX 120 days late three cards that are giving late date data, please correct

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: CORELOGIC INC
State: IL

Complaint narrative:
Hi I received a noticed from XXXX  there was a hard credit inquiry on XX/XX/21 from CREDCO. 

I have been working the last 2 days, and have not applied for any credit or mortgage. 

I did not recognize who is inquiring about my credit. If there is a hard credit pull, I am concerned about someone applying for credit on my behalf. 

I wish to notify somebody as soon as possible because I do not want to be liable for any eventual identity theft. 

Thank you

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 2021-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Emergent Business Group, Inc.
State: TX

Complaint narrative:
I sent Emergent Business Group a debt validation letter after being advised by XXXX XXXX, XXXX to do so in regards to my account. I was informed Emergent Business Group is holding and servicing this account currently. They have failed to respond to my request for validation and I have attached my debt validation letter below.

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 2021-02-19 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2020, CCS COLLECTIONS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CCS COLLECTIONS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: GLA Collection Company, Inc.
State: CA

Complaint narrative:
On XXXX. XXXX, 2017, GLA COLLECTION COMPA add a derogatory XXXX on my credit reports. GLA COLLECTION COMPA did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affiliated Acceptance Corporation
State: TX

Complaint narrative:
I sent Affiliated Acceptance Corporation a debt validation letter over 2 weeks ago and I am yet to receive a response from them. They have failed to respond to my request for validation and I have attached my debt validation letter below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3800.00}, {$1200.00}, {$4400.00}, {$5800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account.

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 2021-02-19 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: AL

Complaint narrative:
There is a public record on my credit file that I have been trying to get remove since XX/XX/2018. I have disputed many times via certified mail, online, and with CFPD. Experian Credit Bureau keeps reporting it and saying they investigated and XXXX is furnishing the information. Which is a lie! I have submitted proof that XXXX has removed it! This is the case number with XXXX XXXX that verify that they have removed it from their credit file. Experian is not up holding the law of the FAIR CREDIT REPORTING ACT!

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 2021-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: RI

Complaint narrative:
I had a loan that was 360 %. I had no idea however I paid it off in full and its still going. I called the company and it is still not resolved and the debt just keeps going up. Even though I had already payed it off in full. The company in name is called speedy cash. I already talked to them and explained I payed the debt off in full even though it keeps going up with each passing day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: FL

Complaint narrative:
I have been tiresly fighting months at a time to get these accounts that were never verified nor authorized by myself removed from my credit report, these accounts is making my life all the more challenging. I have written letters and have reached out to the companies associated with these accounts and no one has yet removed these unauthorized accounts from my credit report! I have filed a police report and will be taking additional measures to securing myself and financial reputation from such fraud activity!

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 2021-02-19 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, CREDIT COLLECTION SERVIC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDIT COLLECTION SERVIC has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The company reported late payments to my credit profile without taking proper action to ensure reasonable procedures were in place for me to receive statements at least 21 days in advance. Therefore, they are in direct violation of 15 U.S Code 1666b. 15 U.S Code 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 XXXX b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I ordered a check online in the very early morning on XX/XX/2021. When I ordered, I saw it said the order would be shipped 1-2 business days, and the estimated arrival date was XX/XX/2021. I need that check this or next week, but XX/XX/2021 still seems to work for me. However, when I check the order status today, which is already the end of the fourth business day, and I found out it still not shipped but the estimated arrival date changed to XX/XX/2021. This is too late for me. I decided to go to the financial center to get a cashier 's check instead. Therefore, I ask the online live chat customer service to help me cancel my check order. But I waited few hours and did not get any email or text notification about the order canceling. I called the regular customer service number to ask them to check if my order is canceled or not. But, no one can answer this question. They transformed the call for me, and they asked me to call XXXX and XXXX. But the transformed call did not work, it just ended the phone directly. I called XXXX, it asked me if I want to reorder a check. When I said no, it directly ended the phone. When I said yes, it said I had an existing order and can not let me go ahead. Similar things happened with the XXXX. No matter what, I just do not have a way to check if my order is canceled successfully or not. What if I do not receive my check and I think it canceled successfully but in fact, someone else gets my checks and I do not know anything about it? It really makes me frustrated. I would like to ask them to cancel the order for me if the last canceling did not successful, but still, no one can help. Each customer service just told me to call the XXXX and XXXX later. I really dont know what should I do. By the way, their customer service number is really a waste of time. I called them two days with more than 40 calls. Most time I just heard the music and waited for the available specialist. Each time I need more than 30 min to get in touch with a specialist and he/she in the end did not help anything. Could I just submit my request and let them figure it out for me when they have the time instead of waiting for the available specialist for more than 30 min?

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 monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase and Coinbase pro have either lost my money due to a hack or a system error, or they have a glitch and made it so I can not get back into my account, It's been 6-7 weeks since I have been able to get into my account and I first messaged them about the problem. I received a couple of auto generated " your ticket has been received '' msg and then the generic " we have a high volume so it may take a while to get back to you ''. I sent another msg a few weeks later and got a reply saying they would get back to me in 5-7 days. That did not happen. I sent another email saying they never got back to me and have heard nothing back in weeks. I have {$70000.00} in their system that I can not trade to make money, move to save money, or withdraw if I need to use it. I read on the internet that in XX/XX/XXXX/XX/XX/XXXX that 140ish people filed a complaint with the sec and there was/is a lawsuit for these exact reasons. As of XX/XX/XXXX I have opened a XXXX account to try and get help on there. Still just computer generated replies from Coinbase support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19 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: TN

Complaint narrative:
These accounts were taken off of my XXXX. I do not understand why they are still verified on my XXXX and my Experian. They were taken off because they were unverifiable and inaccurate. Please remove these account immediately.

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 2021-02-19 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: AL

Complaint narrative:
There is a public record on my credit file that I have been trying to get remove since XX/XX/2018. I have disputed many times via certified mail, online, and with CFPD. TransUnion Credit Bureau keeps reporting it and saying they investigated and XXXX is furnishing the information. Which is a lie! I have submitted proof that XXXX has removed it! This is the case number with XXXX XXXX that verify that they have removed it from their credit file. Trans Union is not up holding the law of the FAIR CREDIT REPORTING ACT!

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 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2021 I utilized my credit card to make a purchase of {$870.00}. I then scheduled a payment to cover the cost of the item purchased to avoid interest charges being incurred. Upon reviewing my monthly statement I noticed my payment was applied to a balance transfer due to expire in XX/XX/2021. When reaching out to my creditor, Citibank, I was informed that although payments are applied to promotional balances due to expire, because the payment was already applied towards the balance transfer, they are unable to re allocate it. I am now expected to either repay for the item to avoid paying interest in the month of XXXX, or pay interest on an item which has already been paid for! The refusal by the creditor to rectify the error and subject the consumer to fees on an item already paid for is outright deceptive.

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 2021-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
These accounts were taken off of my XXXX I do not understand why they are still verified on my Transunion and my XXXX. They were taken off because they were unverifiable and inaccurate. Please remove these account immediately.

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