vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-24 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: NC

Complaint narrative:
I submitted complaint XXXX on XX/XX/21 explaining that I am a victim of identity theft, which I have been explaining to Transunion but they continue to make me jump through hoops to remove the fraud information from my reports. I have included the ID theft report as they have requested in this complaint because they keep saying they don't see the last ones that I sent them. They only looked at one item. Please review all the information that is listed on this identity theft report that I have attached again.

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 2021-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: FL

Complaint narrative:
This is about Paysafe USA on XX/XX/21 at XXXX. 

I went to a XXXX XXXX kiosk and sent money to Paysafe. I paid the man at XXXX ( kiosk is in most XXXX  ) for my paper ticket with a 16 digit PIN number which acts as a virtual prepay to buy gaming services. However the receipt did not have a PIN number. It was missing along with the serial number of ticket which is just below PIN NUMBER.

There wasnt a printing error or XXXX  malfunction. I know this because XXXX XXXX can confirm the transfer went thru.

The ticket is simply missing the pin and serial number. I am out {$50.00} because of this. I have a picture of the ticket with missing numbers and an older ticket to compare it too. The other ticket is one I used the balance up.

I have circled where the numbers should be & I have drawn an arrow to the numbers on the other ticket.

This isnt rocket science I got them dead to rights. All calls to them and emails are ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-24 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: AZ

Complaint narrative:
On XX/XX/XXXX I sent in an Identity Theft Affidavit to Transunion regarding unauthorized and unverified inquiries on my credit per my XXXX advising me to do so. 

I called the Transunion fraud department a week later and the rep confirmed they had received the report and was going to mark the inquiries as fraudulent. Then he proceeded to tell my the inquiries would be off of my credit report within 24 hours. Here we are on XX/XX/XXXX and these unauthorized inquiries are still showing on my credit report.

According to the Fair Credit Reporting Act, Transunion is in violation of the law as unauthorized/unverified items MUST be removed!

I called into the fraud department again yesterday on XX/XX/XXXX and they continue to violate the law with their reporting inaccuracies. 

I told the fraud department that we will pursue legal action if this wasn't handled 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 2021-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
To whom it may be concerned, Towards the end of my lease term the apartment complex I was living inn told me I needed to give them a 60 day notice if I was not going renew my lease I gave them 71 days notice an extra 11 days. 

I moved out of my apartment XX/XX/XXXX and in XX/XX/XXXX I received a letter from " RentDebt automated collections LLC. '' stating I owe them {$3100.00} but does not explain why. It only states that they are collecting a debt for " XXXX XXXX XXXX XXXX XXXX '' I tried to contact the apartment complex and left several messages to explain that I left on good terms and there records where wrong. I wanted to know why they would wait two full years to tell me I owed them money. 

I do not owe RentDebt anything they have no legal right to report anything on my report or collect some erroneous debt. I left my apartment in good standings to get a letter almost 2 years later is absurd and very suspicious. I have called the apartment complex more than 5 times to get some sort of explanations and left a message on each occasion to this date they have never responded to me by mail or call. I have received some calls from a company called RentDebt that I have never done business with that has threaten to sue me if I do not call them back. They have also placed a collection on my credit report lowering my score more than XXXX points. I monitor my score on a monthly basis this is no expectable or legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: MI

Complaint narrative:
XXXX  XXXX is reporting this closed account as if it is still active and being used today. It has been closed and " charged off '' for years yet they continue to add new reporting dates and balances. This is a scam, and this account is predatory.

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 2021-07-24 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: NC

Complaint narrative:
On XX/XX/21 I submitted complaint XXXX explaining that I am a victim of identity theft, which I have been explaining to Equifax but they continue to make me jump through hoops to remove the fraud information from my reports. I have included the ID theft report as they have requested in this complaint because they keep saying they don't see the last ones that I sent them. Again the looked at the information that I attached and did nothing the information is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
They told me I would have to talk to FCO Fair Collections & Outsourcing I have Tried calling Invitation Homes about this matter and explain what happen they refuse to do anything, I explain to FCO they said either i can pay what i don't owe or else they said i own {$9100.00} witch i was a Victim of Identity Thief I have all papers and Police Reports I filed an Identity Thief Report, Have Records of my Residents and other documents to my case. I also went to the Courts House the the Crime took place, occurring the the XXXX County Sheriff Department and ask about Judgment that was against me. The Notary that did it she didn't check ID of suspect. She told me this I am a XXXX myself and i know i have to check ID. They told me to seek a Lawyer I have Contact FCO many times and XXXX XXXX XXXX 4 many times to resolve this matter

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 2021-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
on XX/XX/21 my email was hacked temporally. I had a Coinbase Account associated with the email. I was able to get control of my email address within a few hours. They never hacked the coinbase account. It was secured through XXXX. I emailed Coinbase customer support to inform them of the security problem. My plan was to switch the email to a more secure email address for the account. They emailed me back and elected to lock the account down. Since that time - now 5 weeks ago. They have not allowed me access to the account. There is money stored on their platform as cryptocurrency. I have no access to the account. They have sent emails stating they have turned the case over to a specialist but have not emailed me anything further. I have filed a separate Coinbase complaint ticket. They said they would respond within 15 business days. It has been 5 days now but I have read they do not respond to these emails and I want to be proactive. Someone needs to investigate Coinbase for fraud. The internet is littered with thousands of similar stories of customers being locked out of their accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-24 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management had been deliberately and with malicious attacks against me and my credit report. This is the second filing against them on the past two weeks. They still haven't stopped their first set.of offenses but now they have retaliated and committed privacy invasion and reported a new address to XXXX  that has my address in North Carolina! I live in Texas and never lived nor been in North Carolina ever. Midland Credit Management knows all too well my correct address but since my first reporting to CFPB and XXXX  they have demonstrated more havoc. I am asking that CFPB please escalate this matter on my behalf as this company has already committed acts.against me legally and federally by exposing my credit and personal information to the wrong address as well as invasion of my privacy with the privacy act laws and also harassment and discrimination as well as ADA compliance of the Americans with Disabilities Act. This company needs to be stopped now. This is getting out of hand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
This 3rd party collection reporting company AMSHER COLLECTION SERVICES INC will not Delete this account from my credit report after its paid in full. Under Fair Credit Reporting Act Law, Section 609 through 617 I have the rights to have this account Deleted permanently from my records once paid in full. Ive sent them letters stating I would pay along as they would agree to Delete from my report and the still refused and stated there is nothing I can do about it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: GA

Complaint narrative:
I'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Better Mortgage, Inc.
State: NJ

Complaint narrative:
Since XXXX of XXXX I began the first time buyers process. On XX/XX/XXXX I submitted a mortgage loan request to a company called Better. Prior to submitting the report I checked with all 3 credit bureaus, who listed me above a XXXX score, so I was in the range from XXXX. However if you read the attachment from Better, they used a company called XXXX XXXX, without my consent who has a score of XXXX. I contacted this company and have asked for the file they have on me, since I have never heard of them. On XX/XX/XXXX I processed an application with XXXX XXXX who just a day later came back with a score from XXXX  of XXXX. So I contacted all 3 credit bureaus and not one of them have me listed with a score in the XXXX range. Ive attached XXXX/XXXX  and these are the scores as of XX/XX/XXXX. Ive also attached XXXX. I utilize XXXX XXXX and also have gone to the websites of these 3 credit bureaus. Across the board this is unfair and makes me think that once I give my demographic information, then an algorithm is programmed to present incorrect information about my credit score. What other reason could there be for this major discrepancy across all agencies. This is a major systemic problem and could possibly be associated with the people who set the standard. It is clear that it is unfair and feels more like a sham or parody, there is no American dream in it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX we reached out to XXXX XXXX from a real estate agent referral. On XX/XX/XXXX we provided a conditional approval ( documented in letters and texts ). On XX/XX/XXXX, those conditions were met. Documents provided to Mr. XXXX. After complaining to Mutual of Omaha about his questionable practices, he runs a second credit check without our permission. Both my wife and I received credit notifications of doing so. Mr. XXXX on XX/XX/XXXX confirms he did so via text message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: DISCOVER BANK
State: CA

Complaint narrative:
ive sent in dispute letters to XXXX  in the month XX/XX/XXXX and XX/XX/XXXX, the account was removed from my credit profile than added back on there again a month later. they removed the account and added back on there that's unfair. the account is with discover financial services and the account number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I purchased this gift card at the XXXX store sometime ago. I do have an Activation Status Receipt from the store but dies not show the date of the transaction. 

I gave this card to a family member but when she wanted to use it at the store, it was declined. So when I checked the balance, it says it has a XXXX  balance. I called the number on the card, but they said I should check with store I purchased from. I, then, checked with the XXXX, they couldnt trace the record. 

Please investigate the situation for me, it will be greatly appreciated. Thank you! 


Please in

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-24 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: ND

Complaint narrative:
On XXXX XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigated these items within 30 days gives reason to immediately remove these items from my credit report. It has been over 30 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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:
The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed 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. 

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist.

It has been well over 30 days and i have not recieved a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accountS be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I 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 30 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, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: GA

Complaint narrative:
At this point I don't know what to do anymore. I'm sitting here crying while typing this complaint. This is my second complaint, I was accuse of not being me? I've been going through this process way too long and I can't take it anymore. I'm in distress and I truly feel like I'm being taken advantage of and I feel like I am being ignored. In my first complaint XXXX  responded saying I wasn't me I'm sick of going back in forth. Again, I submitted a dispute XX/XX/2020 and have yet to recieve any indication that my disputes are being investigated and I haven't received any results. In section 611 a it's stated that a failure to investigate the items I disputed within 30 days is a reason to remove those items from my credit report and it's now been over 40 days. I demand that these accounts be deleted immediately or I will be filing for litigation due to the stress you have caused me and my family.

Company response to consumer: Closed with explanation