vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 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:
It has been well over 45 days ago I reported an inaccuracy on my credit report to Experian Credit Bureau in regards to a late payment from XXXX XXXX. I was never late on my payments and all other credit bureaus have me in good standing with this company as well. I requested proof of verification from the credit bureau and they have failed to present their proof. 

I demand that the following account be verified or removed immediately : I never had a late payment 1. XXXX XXXX Case # XXXX Date : XX/XX/2016 Please remove it from my credit report. 

Failing that, the item must be deleted from the report as soon as possible. The listed item 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.

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 2021-07-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove

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 2021-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
I made an account with Coinbase Pro on the XXXX of XXXX and you invested about XXXX XXXX  into my account. However, I got an email on the XXXX of XXXX saying my account in under review. Since then, I am unable to trade on my account and also unable to get a refund of my amount back into my bank account. I have contacted the customer support multiple times on their website and on XXXX and I have received no solution or a reply. Its been 2 months and no action has been taken. This company seems like a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: LendingUSA
State: NY

Complaint narrative:
the following accounts appear on my credit report, without any authorization, they are not mine Identity Theft LENDINGUSA Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.. 



5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I had approximate XXXX balance with a limit of XXXX. 

I paid the account down XXXX so I could charge a medical procedure. 

Care Credit/Synchrony usurped the XXXX payment and disallowed me from making a charge above the prior amount available of approximately XXXX. 

I have sent them a message asking about this, and I received an answer that did not address my concern. They wait time to speak to someone yesterday was over 30 minutes. 

I believe they are acting illegimately.

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 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Integrated Asset Recovery LLC
State: CA

Complaint narrative:
They constantly keep harassing me and have repeatedly told them I did not open no account with them.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
The card issuer closed my open end credit plan and marked my payments as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
They constantly keep harassing me and have repeatedly told them I did not open no account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Repeated harassed calls and have advised them I did not open a account with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 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: VW Credit
State: NY

Complaint narrative:
the following accounts appear on my credit report, without any authorization, they are not mine Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft VW CREDIT INC Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXXXXXX This is not mine.. 



5. Identity Theft VW CREDIT INC Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I sent {$15000.00} in XX/XX/2021 to my family. But my family didnt receive the money yet, I dont why. My bank told me the money will be arrive within three to five business days, but its a month ago and noting changed. I dont have any criminal records and other bad background. I was just trying to help my poor family. I still dont know what to do and who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: AFNI INC.
State: IN

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have yet to receive any investigational results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has me locked out their credit reporting site because a XXXX didn't like my XXXX and was just the rudest ca person I ever met. 

05 hard inquiries are put in as fraud or the customer service person did it on purpose. I wish I was lying but these XXXX  are just rude and taught XXXX law not American law. 

They are taught to hang up on you and to say no matter what the FTC American laws. 

5 inquireys ruined my report. They are all fraud and had credit freeze on them. 

XXXX CREDIT CARD FROM 08 YEARS ago want come off credit report. I think the XXXX  from XXXX hate Americans and did this to XXXX me. Nothing I can do but sue, take to small claims court, or call Pattorney general of my state. 

Use a credit card should have been off my report a year ago. They are doing this to help businesses and not consumers. 
It was XXXX dollars and it was never showed by the end FTC laws that this was legal. Fcra laws tells exactly how the investigation section 604, 609, 611 and 623. These federal and state laws were not given the right investigation that people could go to jail. 


XXXX also says I was late 4 years ago and they have lied to the FTC and FAIR CREDIT REPORTING ACT. THEY NEED TO BE SUED AND GO TO JAIL. 



XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: NY

Complaint narrative:
My communication is in regards to the XXXX account furnished on my consumer report that I want deleted. Now, according to 15 USC 1681a ( 2 ) ( B ) it says a consumer report does NOT include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is, the term credit card mean any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the card I used to grant the right to this debtor making it a creditor, to then extend credit back to me. This is a violation of the FCRA and a consumer right to privacy. Congress clearly states what should be excluded from a consumer report therefore delete this 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 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX  XXXX and I do not have a contract with PHNX FINAN plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX. I would like to submit a complaint about a lawsuit against me from Discover credit card company regarding a fraudulent amount of {$2500.00} dollars. The actual amount that I owed is {$1000.00} dollars, not {$2500.00}. I called Discover credit card company to make payment arrangements for the original actual amount of {$1000.00}, but they made some excuse for not to lower the amount. If they allowed me to explain further I wouldve explained to them is the reason I stopped paying was due to the fact that I had to quit my job to take care of my grandma. Initially my mother was taking care of my grandma until my mom got XXXX. After her XXXX my mother was no longer able to take care of my grandma, so I had to step up and help out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ARS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$950.00}

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 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CW Financial
State: AL

Complaint narrative:
I got a text from the number XXXX saying a document delivery for me was scheduled for XX/XX/2021. If I wanted to redirect the delivery, I could call XXXX Reference number XXXX. I called the number and a man by the name of XXXX picked up and informed me he was XXXX from Crestwood Mangagement out of XXXX, AZ and I owed {$400.00} to a place called XXXX XXXX XXXX  I told him I had never heard of the place and I knew this was a scam. Apparently, he knew someone I was married to about 20 years ago because he said her name. I asked him where XXXX XXXX XXXX  was located and which store I supposedly took out this loan was and he just told me they had many locations throughout the U.S. I informed him, I was going to report him and that I was a former military police officer and I knew he was a scammer. Also, I contacted the XXXX  and they informed me Crestwood Management was out of XXXX, OH. I have never never heard of, or done business with a XXXX XXXX XXXX to my knowledge.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Good evening, I am sending this method of complaint due to Equifax, XXXX, and XXXX are not complying with my dispute request. I have sent a letter on XX/XX/XXXX and XXXX XXXX. I have informed them that my first initial dispute was sent on XX/XX/XXXX and my second initial to demand and comply was sent on XX/XX/XXXX. I have yet to have this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Fraudulent phishing scam. Pretending to be Wells Fargo Bank to access personal info. Please hurry. They got some info before I realized something wasnt right. FRM : WELLS-FARG0 Bank.Debit LOCKED SUBJ : Contact ( 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 2021-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MT

Complaint narrative:
When I contacted the company : regional finance company of New Mexico and Jefferson creditor capital systems, both companies told me they could not proceed with any further information because my name and birthdate did not match her Social Security number. It is my Social Security number! But, someone elses name and birthdate and address which is a PO Box in Arizona. I reside in Montana. The amount of the balance that is showing up on my credit is {$6300.00}. XXXX. My Social Security number was used without my knowledge. The debt owed is definitely not mine. I need help posting an alert to this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: CA

Complaint narrative:
I have several student loans open with Dept. of Ed/XXXX. I am currently in school still. I've made several attempts to dispute inaccurate information on my credit report with the company itself and credit bureaus. They are reporting different information to each of the three bureaus, so nothing matches across the three bureaus. They are reporting late payments that don't even make sense. The account goes from good standing to all of a sudden 90 days past due within a 30 day period in XXXX of XXXX and as well as in XXXX of XXXX. They state they were trying to contact me to make payments but the phone number they had on file for me was a phone number from Texas and I have never lived in Texas or have been associated with anyone in Texas. I have proof of my credit reports they are reporting inaccurate information across all three bureaus and none of the information matches, however, every time I dispute the information it comes back verified. I'm unsure how the information could come back as verified when none of the information matches or equals up correctly.

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 2021-07-01 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:
I have several student loans open with Dept. of Ed/XXXX  I am currently in school still. I've made several attempts to dispute inaccurate information on my credit report with the company itself and credit bureaus. They are reporting different information to each of the three bureaus, so nothing matches across the three bureaus. They are reporting late payments that don't even make sense. The account goes from good standing to all of a sudden 90 days past due within a 30 day period in XXXX of XXXX and as well as in XXXX of XXXX. They state they were trying to contact me to make payments but the phone number they had on file for me was a phone number from Texas and I have never lived in Texas or have been associated with anyone in Texas. I have proof of my credit reports they are reporting inaccurate information across all three bureaus and none of the information matches, however, every time I dispute the information it comes back verified. I'm unsure how the information could come back as verified when none of the information matches or equals up correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: CA

Complaint narrative:
I have several student loans open with Dept. of Ed/XXXX. I am currently in school still. I've made several attempts to dispute inaccurate information on my credit report with the company itself and credit bureaus. They are reporting different information to each of the three bureaus, so nothing matches across the three bureaus. They are reporting late payments that don't even make sense. The account goes from good standing to all of a sudden 90 days past due within a 30 day period in XXXX of XXXX and as well as in XXXX of XXXX. They state they were trying to contact me to make payments but the phone number they had on file for me was a phone number from Texas and I have never lived in Texas or have been associated with anyone in Texas. I have proof of my credit reports they are reporting inaccurate information across all three bureaus and none of the information matches, however, every time I dispute the information it comes back verified. I'm unsure how the information could come back as verified when none of the information matches or equals up correctly.

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 2021-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM financial is in violation pursuant to 15 usc 1692a Debt Collections. On XX/XX/2021 I mailed in a validation of Debt letter pursuant to 15 usc 1692g which was never answered.on XXXX I sent by certified mail with a return slip, my affidavit of facts, Debt Validation, Cease of desist, invoice, Exhibit A showing the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation