vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i submitted a identity theft affidavit to XXXX XXXX and XXXX  on XX/XX/XXXX and XX/XX/XXXX that these 3 accounts that were showing on my credit did not belong to me an that i had never applied for these loans or cell phone services. im attached the follow documents i sent them so they can block these accounts which is requested by the federal goverment law. Please see attached affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had my card overcharged an hacked into from enterprise an my credit card company said they would fight with me to get my funds back an they charged me an were rude to me when I kept trying to resolve the issue. I was ignored an forced to pay the charges that were overdrafted on my account. After trying to get my credit card company to take off the overcharged assessed fees I had no choice to pay an right after I paid they took my money an dropped my credit card balance an stated because i took too long to pay an was always late when I always paid on time I have my statements it wasnt until I started renting with XXXX an they were overcharging my card an messing with my account as I reported their fraudulent charges. My limit on my credit card has been {$700.00} for 4 years an my score has only changed for 3 years an I have kept up with my payments. They took my {$700.00} an dropped my limit to {$300.00} an refuse to either put my limit back to {$700.00} or give my {$400.00} back. I have been having issues with enterprise for some time now with my credit card an it seems enterprise knows someone in Citibank an every time XXXX report enterprise my Citibank account gets messed with.

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 2021-04-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Same thing reporting as accurate but different status with both credit bureaus

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 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: TN

Complaint narrative:
theres several issues with carmax reporting on my defective ford fusion loaned upside down XXXX kbb according to three banks- XXXX , XXXX , and one other. I asked XXXX in person, XXXX XXXX location. XXXX  XXXX service center refused to fix my car 3x. carmax left me no choice but for them to repo it in 16 ( SIXTEEN ) - not 19 ( NINETEEN ), as its being reported. no company complies with the law, lemon lawyers unable to aide me. I did ask.

Continues thru experian to extort and reage debts, now beyond statute- will not update reports released to lenders, etc of which I do business with. REPORTING INACCURACE SLANDEROUS INFORMATION THAT I AM A SERIOUS DELINQUENT and NOT CREDIT WORTHY. This has affected new accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: CA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC

Complaint narrative:
Gemini Compliance requested pieces of personal information about me, to which I have submitted on time as required ( see uploaded screenshot of email correspondence ). Since our last correspondence they have sat on this information, done nothing and now frozen my account with significant funds locked. I can't access my money and they did this with no prior warning or justification.

I've tried to contact Gemini via email, twitter and other means ( though they have no published telephone contact ). I can not get any response from Gemini and my funds remain inaccessible.

I need the funds unlocking ASAP as this is a completely unacceptable situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: NJ

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
A collector collected over XXXX XXXX dollars for a account open or used fraudulently and need this issue resolved immediately its killing my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
theres several issues with XXXX reporting on my defective XXXX XXXX loaned XXXX down XXXX XXXX  according to three banks- XXXX , XXXX  , and one other. I asked XXXX in person, XXXX XXXX location. XXXX  XXXX XXXX XXXX refused to fix my car 3x. XXXX left me no choice but for them to repo it in XXXX ( SIXTEEN ) - not XXXX ( NINETEEN ), as its being reported. no company complies with the law, lemon lawyers unable to aide me. I did ask. 

Continues thru experian to extort and reage debts, now beyond statute- will not update reports released to lenders, etc of which I do business with. REPORTING INACCURACE SLANDEROUS INFORMATION THAT I AM A SERIOUS DELINQUENT and NOT CREDIT WORTHY. This has affected new accounts.

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 2021-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
A person has been trying to get my identification and social to open accounts and etc., they tried to withdraw over XXXX XXXX dollars from my account which was reversed but now the credit I was giving by my bank reversed it and left my account in overdraft and its tAking my deposits to get me through daily and I need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account or recieve a service at your company. I did not open or authorize this account or service, and I therefore request that it be closed immediately. I also request that PHOENIX FINANCIAL absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: CA

Complaint narrative:
i have a letter sign by a judge stating that these Bankruptcies were filed in error. How can XXXX, XXXX and Transunion suppossibly had verified this?? I have the proof that this account does not belong to me.

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 2021-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: OH

Complaint narrative:
On XX/XX/2021, challenged on the validity of a LATE PAYMENT on my credit report per XXXX for Account # XXXX POSSIBLE FINANCE INC. My account was Paid in Full on XX/XX/2021 for amount of XXXX rather than utilizing Installment option XXXX option. Upon, challenging this account, I contact XXXX ( Possible Finance Inc. Manager ) and requested a deletion of inaccurate 30 day late payment for XXXX and XXXX based on the lack of ability to properly verify all reported information to be accurate. I noticed as, A result of challenging this account with XXXX And POSSIBLE FINANCE INC with written request. XXXX then indeed state that POSSIBLE FINANCE INC. shouldnt have verified any late reported payment on XX/XX/2021. XXXX said she would follow-up to correct their error, however no contact was initiated. It is my understanding that all creditor are to report the all ACCURATE INFORMATION to all credit bureaus as expected under FCRA Laws, I believe this is a direct violation of my consumer rights and My account to be properly updated ; requesting ALL LATE PAYMENTs to be DELETED from ALL 3 credit reporting agencies immediately for inaccurately and failure to validate the debt in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: CA

Complaint narrative:
i have a letter sign by a judge stating that these Bankruptcies were filed in error. How can Equifax, XXXX and XXXX suppossibly had verified this?? I have the proof that this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX SS # : XXXX XX/XX/2021 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

The following personal information is incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The following personal information is incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX PLEASE REMOVE THESE ADDRESSES AND EMPLOYMENT INFORMATION BELOW AS THEY DO NOT BELONG TO ME AND THE INACCURATE INFORMATION BELOW IS PREVENTING ME FROM OBTAINING CREDIT I BELIEVE IT MAY BELONG TO SOMEBODY THAT HAS A SIMILAR NAME AND ADDRESS. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

I have enclosed a copy of my driver 's license and utility bill as proof of identity.

Sincerely yours, ___________________________________XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
WAYPOINT is claiming that I owe them {$540.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my 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 2021-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account or service at your company. I did not open or authorize this account or service, and I therefore request that it be closed immediately. I also request that ARS Account Resolution and XXXX XXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

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 2021-04-10 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: RENASANT CORPORATION
State: TN

Complaint narrative:
I have numerous fraudulent accounts on my credit 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 2021-04-10 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: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have numerous fraudulent accounts on my credit 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 2021-04-10 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: RFNA, LP
State: TN

Complaint narrative:
I have numerous fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
Enhanced Recovered Company trying to collect debt {$1100.00} which is not mine. They bought this debt from another company that tried to collect last XXXX of 2020 this company put a collection on my credit report which I disputed and it was removed. Now Ehanced Recovered Company just put collection on my credit for {$1100.00}, I to them that this account is not mine, I asked them to provide proof that the account is mine they wouldn't give me any proof. Instead they have ruined my credit with collection account. They're trying to scare me into paying for a debt that I don't owe, because they believe that they have the power to distory my credit. Something need to be done about these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XXXX, I received a call from Coinbase. Coinbase doesn't call customers. On the same day my email was hacked XXXX. On same day, I submitted requested for Coinbase to disable account due to suspicious activity. I have not been able to access my account since. I have followed their procedures for account recovery Case # XXXX. This is last message received on XXXX : " We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). '' It has been 8 days ( 5 business days ) and not response. Please, I need your help in freeing up my funds XXXX on Coinbase. They have the worst customer service in virtual currency. I will be moving all funds off platform to XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
This bank charges fees on pending transactions. I've been charged XXXX in fees. I've had fees waived in the past, I explained with covid direct deposit is sometimes delayed or none. I always get the $ $ in same day b4 XXXX ... even if this is there policy to charge fees on pending transactions, I've begged and pleaded with this bank. I am 1 step away from living in my car. I lost my XXXX, my XXXX due to covid, I've been XXXX. I've been trying to stop the autopays ... the branch in town isn't friendly to XXXX ppl. I just would like a refund and then I'll close the account. I don't want anymore problems

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
SYNERPRISE is claiming that I owe them {$96.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation