vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-06 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: DE

Complaint narrative:
Affidavit of Truth I have inaccurate information reporting on my TransUnion credit report. There is a XXXX XXXX XXXX XXXX account # ( XXXX ), that was disputed and removed by TransUnion for inaccurate reporting on XX/XX/2019. However, this account was reinserted on my credit report without sending me a pre-sell or post-sale letter after the repossession. Also this account was deleted from XXXX and XXXX. I have a letter from the creditor ( XXXX XXXX XXXX XXXX ) admitting that they are reporting an inaccurate high balance to my TransUnion credit report. Furthermore, without my knowledge XXXX XXXX XXXX performed a XXXX to cancel the alleged debt. In conclusion this debt is cancelled, the account was removed and reinserted to my credit report, the High balance is incorrect and TransUnion, XXXX an XXXX report This XXXX XXXX account differently. Please hold XXXX XXXX and TransUnion accountable under The laws of the U.S.C and U.C.C codes and Fair Credit Reporting Act. Please remove this account immediately, otherwise I will exercise my rights under the law for remedy. I've also attached documents proving why this account needs to be removed immediately. Thankyou.

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 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
TransUnion continues to respond that the item was verified when in fact it was not and could not be because it is fraudulent. I do not have the same name as the person listed.

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 2021-11-06 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: GA

Complaint narrative:
There are incorrect Information reporting on my credit report. There are fraud accounts reporting and incorrect personal Information. 

Incorrect Address Information : XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX The following account is reporting as a result of fraud : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) ; Bal : {$640.00} - XXXX XXXX XXXX XXXX - ( XXXX ) ; Bal : {$270.00} - XXXX - ( XXXX ) ; Bal : {$0.00} - XXXX XXXX XXXX - ( XXXX ) ; Bal : {$990.00} The following public records are not mine : Chapter XXXX - Dismissed XXXX date : XX/XX/2015

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 2021-11-06 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: GA

Complaint narrative:
There are incorrect Information reporting on my credit report. There are fraud accounts reporting and incorrect personal Information. 

Incorrect Address Information : XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX The following account is reporting as a result of fraud : - XXXXXXXX XXXX  ( Experian & XXXX ) ; Bal : {$640.00} - XXXX XXXX XXXX  XXXX - ( Experian ) ; Bal : {$270.00} - XXXX - ( Experian ) ; Bal : {$0.00} - XXXX XXXX XXXX  - ( Experian ) ; Bal : {$990.00} The following public records are not mine : Chapter XXXX - Dismissed XXXX date : XX/XX/2015

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 2021-11-06 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:
Wrongful information reporting on my credit report contacted Equifax to have inquiries removed. 
XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX & XXXX inquiry date XX/XX/XXXX XXXX bank inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
My account with AES Success had zero behind payments and I had just sent in extra money above what I owed in XXXX and the money was taken from my bank. Nearly {$1900.00}. I only owe {$360.00} a month. And I overpaid on purpose to try and finally get closer to paying my loan off. On XX/XX/XXXX my monthly direct deposit for the normal {$360.00} was also cashed and collected. On XX/XX/XXXX, they sent my account to collections!!!!!! AES confirmed for me on the phone that my account was placed into collections for defaulting on payments and as a result they closed the account, and reported it to the credit bureaus. They also confirmed they see the payments were successful and I didnt have any past due amounts owed. I was promised a print out of my entire account payment history along with my current balance after demanding it multiple times even though they kept trying to talk me out of requesting it and she kept saying her computer was slow that day and unless I had all day to stay on the phone with her I probably should just let it go. Let it go?!?!?! I was finally assured itd get a copy in the mail within 7-10 business days. Today is XX/XX/XXXX and I have yet to receive that. They said they cant tell me who owns my loan now. We have no idea who ends up getting your loan. So, we just cant give you that information. So then WHY- just yesterday- on XX/XX/XXXX, did AES take my $ XXXX  monthly direct deposit out of my account!! If my account is in collections- with an unknown lender - and my account with AES is closed - than HOW are they still taking my money!!! How can I contact the new lender if I am being refused to know the name and contact number of- them. And how, if I cant change or stop payments or even see if it was applied to a balance I have no access to view, am I supposed to fix this?! I told them on XX/XX/XXXX they made a mistake. They told me I could consider disputing it but we cant guarantee if or when that would be handled. I disputed it with them IMMEDIATELY- while still on the phone. They admitted to me they can see my payment history and that I didnt have any past due payments on my account I owed to warrant sending this to a debt collector. I got a letter in the mail telling me my dispute is denied but I can send them PROOF of me not owing money past due. How am I supposed to do that when they have shut off access to my account and refuse to send me my payment history in writing!!!!!!!!!! This has to be illegal?!!! You people should be sick with grief over the REAL DAMAGE you are causing people!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: ME

Complaint narrative:
I m a victim of scam on coinbase. 
Someone had stolen XXXX $ out of my wallet. 
And coinbase have not done anything about it. 

My complaint letter is attached on bottom Please help me on this terrible situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent Transunion, XXXX and XXXX dispute letters. The credit companies are not complying with their own policies in a timely manner.

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 2021-11-06 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: TX

Complaint narrative:
I have made many attempts to get accounts removed from my Experian credit file. These items do not belong to me. Can you please assist me in getting this matter resolved with Experian. My next step is to hire an attorney to help remove these accounts and personal information that is not mine from Experian. These incorrect reporting is seriously harming my credit when these items are not mine. Please assist me in removing the following accounts : The below items are Fraud Accounts that was not open by me : 1. XXXX XXXX XXXX for {$3500.00}, reporting on Experian 2. XXXX XXXX  for {$0.00}, reporting on Experian 3. XXXX XXXX  for {$810.00}, reporting on Experian 4. XXXX XXXX XXXX for {$0.00}, reporting on Experian 5. 4. XXXX  XXXX XXXX for {$0.00}, reporting on Experian, XXXX 6. 4. XXXX XXXX XXXX for {$0.00}, reporting on Experian The following Address & Phone number information do not belong to me : 1. XXXX XXXX XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
To Whom It May Concern : This letter is regarding this account which you claim I owe this debt. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 15 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent XXXX, XXXX and Equifax dispute letters. The credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I sent XXXX, Experian and XXXX dispute letters. The credit companies are not complying with their own policies in a timely manner.

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 2021-11-06 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2021-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX E-mail : XXXX RE : XXXX XXXX In reference to the above reference and in reply to your noticed received on XX/XX/2021 and to my telephone conversation with your office, this debt is fraud and does not belong to me, it was never opened by me, I've been a customer with XXXX for over XXXX years and my account is in good standing. I was a victim of credit fraud in the past since my car got stolen few years back and the thieves got access to my personal information from my car. 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: TN

Complaint narrative:
After several attempts to get an inaccurate report of a Chapter XXXX Bankruptcy removed from my credit file, in XXXX, I finally provided the correct proof and the only third party agency that was reporting the Bankruptcy was XXXX XXXX and they removed it. I submitted that information to all three credit reporting agencies one of which was TransUnion. I submitted the letter from XXXX XXXX showing that it had been removed, I submitted the letter from the actual Bankruptcy court stating they do not report public information to any credit reporting agencies and TransUnion still provides information only stating that their information has been verified as accurate when I have asked them multiple times to provide me the name of the agency to which they received their verification from. If they were to provide that then I can contact them to have my report corrected and the Chapter XXXX Bankruptcy removed. 
I have provided the letters written to TransUnion asking for validity, the letter from the Bankruptcy court and the letter from XXXX XXXX showing their removal of the inaccuracies as well as XXXX response yet again after I provided them all of this information and they have not removed the inaccuracies nor provided information as to how they verified and with whom. 
Please check dates of all correspondence.

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 2021-11-06 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WELLS FARGO ( Account number : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-11-06 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: CITIBANK, N.A.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BBY/CBNA XXXX Balance Owed : {$4200.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-11-06 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: NC

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
My Chase Debit Card was lost/stolen and someone used my Chase Debit Card and made unauthorized charges and transactions of {$8000.00} from XX/XX/2021 to XX/XX/2021. The charges that was made from XX/XX/2021 to XX/XX/2021 are all unauthorized charges. I reported the unauthorized charges to Chase Bank, but they still holding me liable for the unauthorized transactions. Under the Federal Electronic Fund Transfer Act ( EFTA ), my liability for unauthorized charges are {$0.00}. Chase Bank is holding me responsible and liable for unauthorized charges which is a violation of the Federal Electronic Fund Transfer Act. The unauthorized transactions are not my transactions.

Company response to consumer: Closed with monetary relief