vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-27 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: NIC, Inc.
State: OH

Complaint narrative:
Reviewed my credit report and a medical account was added I am allowed under the HIPPAlaw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to NEMO 'S COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to NEMO 'S COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
COINBASE FROZE MY ACCT ON XX/XX/21 MY ACCT HAD XXXX AND I HAVE TRIED OVER 10 TIMES USING THE COMPANY.S PROTOCOL WITH NO SUCCESS TO ACCESS MY ACCT. RESOLUTION : I WOULD LIKE XXXX PLUS CAPITAL GAINS SINCE XX/XX/21. TODAY BITCOIN IS XXXX XX/XX/21 THANKS FOR YOUR EXPEDITIOUS HANDLING OF THIS MATTER. I AM ANXIOUS TO GET INTO MY ACCT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX on my equifax.com report there was debt collection which I did not recognize. I disputed this debt with equifax. After investigation they stated it belong to me. I contacted the deb collector who informed me it was for XXXX XXXX in XXXX. I informed them that I have had continual insurance for 20+ years and provided them with my health insurer XXXX XXXX XXXX XXXX. On XX/XX/XXXX I filed a dispute again with equifax.com and provided equifax with my XXXX XXXX XXXX information. I let them know that I do not belive this debt is mine but if it is then they can bill my health insurance.. The dispute is still showing as PENDING INVESTIGATION today XX/XX/XXXX. I called equifax who informed me that that dispute is CLOSED and they filed a new dispute via phone. Investigation should take no more then 45 days. We are going in a loop with Equifax of filing same dispute in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XX/XX/2017, {$33000.00}, XXXX XXXX sold the debt to XXXX. Giving my personal information away.

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 2021-03-27 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XX/XX/2017, {$33000.00}, XXXX XXXX sold the debt to XXXX. Giving my personal information away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XX/XX/2017, {$33000.00}, XXXX XXXX sold the debt to XXXX. Giving my personal information away.

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 2021-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX, I had bought a bike for {$720.00} from Mr. XXXX online for my husband 's birthday. I received confirmation regarding the order with the promise a tracking number will be sent soon. On XX/XX/XXXX, I reached out through email regarding the charge when the order will be shipped. I received no reply. On XX/XX/XXXX, I requested the cancellation of my order, and my order to be refunded per their lack of response. I received no response and disputed the transaction on XX/XX/XXXX with Apple Card Support. 

1st dispute - I disputed the {$720.00} on my account from Mr. XXXX. I provided the information that not only did I not receive the item, but I was unable to contact the vendor through their support email, and all calls were unanswered, and my voicemails were not returned. I was told by Apple support on XX/XX/XXXX that the transaction had been resolved as " the merchant provided sufficient evidence that you made the purchase. '' 2nd dispute : After the failure of the 1st dispute, I reopened a new dispute as the issue was with not receiving the bike, not fraud on the account. The technical support representative apologized and said that the dispute was imported " wrong '' and re-entered my dispute. 

On XX/XX/XXXX, I received an email from Mr. XXXX stated my order had been canceled and refunded. I checked my account, and no refund was posted to my account. 

On XX/XX/XXXX, I received notification that the dispute was again ruled in the merchant 's favor as " the merchant provided sufficient evidence that you made the purchase. '' 3rd dispute : On XX/XX/XXXX, I disputed the transaction again and was told again that the complaint was entered " incorrectly. '' I was told to send my emails and the refund notice with the dispute for my evidence. I also double-checked with the rep. that the refund by the merchant was never posted ( it was not ). I disputed the transaction again, with the representative saying that her managers will personally track this dispute due to the many issues. 

Today, XX/XX/XXXX, I received a notification that the " Merchant provided supporting evidence or response, '' and the credit will be added to my account. I have still not received a refund for the initial purchase or any product. 

Apple card support ( Goldman Sachs ) is not resolving my disputes in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted Equifax due a data breach with another service. I contacted equifax and informed them of the problem also this as my reason for XXXX XXXX as I could, it access the reports or the the offered free score on line. I confirmed my identity with My full name, address, social security number, home mailing address, my student loans a, car loans, banking information, name of all employment including being owner of a business, I confirmed my bank accounts checking, business and personal. With all the information give. I was advised to respond to a truest with and also go online to a browser. At this point I disconnected the call. I feel equifax is discriminatory against XXXX XXXX w in its credit reporting and products or services. I have files over a dozen complaints again equifax due to my reports being outdated. Zombie debt collection account not being removed. I have also submitted my DL, and social security card as proof of who I am. Yet this is still not enough. The archaic measure that are in place to prevent XXXX XXXX XXXX from obtaining credit and other financial relief is intended to keep a race of people in poverty. There should, ever be a time where anyone should have to submit massive amounts of information just to GET A COPY OF THEIR CREDIT REPORT AND TO SEE HOW THIS CREDIT AGENCY IS REPORTING THEIR PERSONAL INFORMATION TO THE WORLD. I firmly believe all 3 major credit reporting agencies are discriminatory in its practices against XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit score into XX/XX/2021 was XXXX. Without any changes to credit activity my score dropped XX/XX/2021 to XXXX. This affected a loan for a car. I needed to have my daughter get the car with me on the loan. At first I was asked to pay 14.5 % interest with my daughter who has an excellent score. I printed the details for company to see what happened. I was lucky to get a better rate yet still had to have my daughter on the loan. With the car loan my credit should build from XXXX not XXXX. 
Also, I had a XXXX credit card was on my credit report then was removed. 
I've tried to resolve this to no avail. 
The purpose of credit in my use is to build my score. 
Why would I use credit if not to build my score? 
Copies of report available if necessary.

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 2021-03-27 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2018 XXXX WellsFargo Checking account fraud

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 2021-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX XXXX collection accounts XXXX for {$3500.00} and XXXX for {$5200.00} respectively were placed on my credit reports by Portfolio Recovery Associates. I had never received any notice in regards to these two accounts and know nothing of their existence until they appeared on my credit reports. I requested numerous time over the past three years for the collections to be investigated with the credit reporting agencies and never got any resolution. On XX/XX/XXXX, I certified mailed this company Debt Validation request letters with return receipts. To my knowledge they received the requests but never bothered to send the return receipts back. I know they received my requests because on XX/XX/XXXX I received responses to my debt validation requests with information from the company showing credit card statements and a letter stating that they will not do an investigation for lack of information. This does not satisfy as being debt validation. To this day Portfolio Recovery Associates has yet to properly validate these two collection accounts. I have uploaded the validation requests that were sent certified mail on XX/XX/XXXX along with correspondences from Portfolio Recover Associates with an Address I have never lived at. For the record I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have been with American Express for over 20 years and someone changed the phone number and address for my card. American Express closed my account and has charged off this debt even though it isn't mine and they know the address and phone number were somehow changed. Now it is on my credit report. And they say I owe the money. No one there at American Express has done anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My loan was paid off from the car dealership. I paid the balance in full. Months later I received a bill for more payments. Now they have charged this off on my credit report. I told them it was paid off and they show it paid off. Please help no one cares at this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Synchrony Bank, who handles Paypal Credit, has over the past 4-6 months been taken to the XXXX  concerning errors in billing in statement. They have continued to make corrections but this has gone on for too long. They automatically get a payment from my checking account each month however this month they did not. When I went to check the website to make sure the auto payment had been taken, they had flagged an alert letting me know " I '' had not made a payment on XXXX XXXX. I called on XX/XX/2021 and addressed it. The interest fee and late fee along with payment is not my error but theirs. Why? They do auto pay for 12 months on purchase made at ebay. At the current time there are other disputed charges. I have kept documents concerning charges and they have yet to fully resolve all disputes. I had told them I would continue to escalate this matter if necessary. After them not having did the auto pay for XXXX, I am now questioning their integrity as a Financial Institute in serving the public. The Small Claims Court encourages complaints to be made to the Business and at this time I am now taking the complaint to 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 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted XXXX  due a data breach with another service. I contacted XXXX  and informed them of the problem also this as my reason for XXXX XXXX as I could, it access the reports or the the offered free score on line. I confirmed my identity with My full name, address, social security number, home mailing address, my student loans a, car loans, banking information, name of all employment including being owner of a business, I confirmed my bank accounts checking, business and personal. With all the information give. I was advised to respond to a truest with and also go online to a browser. At this point I disconnected the call. I feel XXXX is discriminatory against XXXX Americans w in its credit reporting and products or services. I have files over a dozen complaints again XXXX  due to my reports being outdated. XXXX debt collection account not being removed. I have also submitted my DL, and social security card as proof of who I am. Yet this is still not enough. The archaic measure that are in place to prevent people of XXXX from obtaining credit and other financial relief is intended to keep a race of people in poverty. There should, ever be a time where anyone should have to submit massive amounts of information just to GET A COPY OF THEIR CREDIT REPORT AND TO SEE HOW THIS CREDIT AGENCY IS REPORTING THEIR PERSONAL INFORMATION TO THE WORLD. I firmly believe all 3 major credit reporting agencies are discriminatory in its practices against people of 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 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted XXXX due a data breach with another service. I contacted XXXX  and informed them of the problem also this as my reason for XXXX XXXX as I could, it access the reports or the the offered free score on line. I confirmed my identity with My full name, address, social security number, home mailing address, my student loans a, car loans, banking information, name of all employment including being owner of a business, I confirmed my bank accounts checking, business and personal. With all the information give. I was advised to respond to a truest with and also go online to a browser. At this point I disconnected the call. I feel XXXX  is discriminatory against XXXX XXXX w in its credit reporting and products or services. I have files over a dozen complaints again XXXX due to my reports being outdated. Zombie debt collection account not being removed. I have also submitted my DL, and social security card as proof of who I am. Yet this is still not enough. The archaic measure that are in place to prevent XXXX XXXX  XXXX from obtaining credit and other financial relief is intended to keep a race of people in poverty. There should, ever be a time where anyone should have to submit massive amounts of information just to GET A COPY OF THEIR CREDIT REPORT AND TO SEE HOW THIS CREDIT AGENCY IS REPORTING THEIR PERSONAL INFORMATION TO THE WORLD. I firmly believe all 3 major credit reporting agencies are discriminatory in its practices against 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 2021-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am seeking reimbursement of a total of {$700.00} due to the described below fraudulent transactions. On XX/XX/2021, I logged into my account and found a total of four transactions which were not authorized by me in my Checking Account. 
I then called Capital One to report the fraudulent transactions. The Capital One explained that my account will be closed. 

The following are the unauthorized fraudulent XXXX  transactions I reported to Capital One on XX/XX/2021. 

XX/XX/2021 {$200.00} sent to XXXX XXXX XX/XX/2021, {$200.00} sent to XXXX XXXX XX/XX/2021, {$150.00} sent to XXXX XXXX XX/XX/2021, a second {$150.00} sent to XXXX XXXX Above describes a total of {$700.00} which was withdrawn from my account using the XXXX XXXX. 
Please also note that I did not receive a text message to my phone ( which typically occurs ) when these transactions were initiated and successful. 

Capital One has sent a total of 5 letters, dated XX/XX/2021 denying my claim to reimburse the {$700.00} above ( see attachments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I checked Experian for my credit score. The report states there may not be enough history to create a score so I have a XXXX. I've had an approx. XXXX for the past through XX/XX/XXXX. I went to get a car loan XX/XX/XXXX told there is no credit score on your Experian report. 
I also had a XXXX credit card listed on my credit report disappeared in XXXX. That would not affect a XXXX rating or drop in XXXX. 
Why would I have a credit card if not to build credit. Most if not all banks report credit cards on credit reports. 
Copies of evidence available if necessary.

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 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2021-03-28 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: TX

Complaint narrative:
I have recently filed a dispute with the credit bureaus in regards to a company by the name XXXX XXXX, XXXX. I have no signed contracts or agreements with this company. 
TransUnion and XXXX have both deem this account as verified. TransUnion and XXXX has not provided the requested documents supporting their their decision, which leads me to believe that their investigation was improper and incomplete.

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