vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 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: AR

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Opened XX/XX/2019 Balance {$0.00} still reporting on my credit report in violation of Federal Law. The Experian Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Opened XX/XX/2019 Balance {$0.00} ;

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 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: CA

Complaint narrative:
I been calling customer service members that work for American first finance to come to an agreement and pay balance owed, but they are asking for close to XXXX when the balance on my credit report shows XXXX dollars. I feel that is not a correct balance I am looking forward to coming to a fair agreement. Customer service members arent participating well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29 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:
ATTN Fraud Department : Remove fraudulent accounts from 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 non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
I have a collection reporting on my credit reports for a medical debt that been paided long time ago to the original debtor university XXXX XXXX ( faculty associates ) I reached out to them over 3 times and each time I was told the account would be removed from my credit but account is still showing

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 2021-12-29 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: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
Anima account paid off in XX/XX/2021. XXXX, XXXX, XXXX all is required by law to update my balance information according to the Credit Bureau Law Act. I have not seen an update since XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX and XXXX ) consumer report, and I noticed that it is reporting my experience with its company. I advised Navy Federal of the violations that I noticed on my XXXX, XXXX XXXX, XXXX XXXX reports. The certified w/ return receipt tracking numbers of the letter correspondence is # XXXX XXXX XXXX XXXX XXXX The lines of credit I have with Navy Federal, which is characterized as utilization on my consumer reports. 
THEIR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports!

Navy Federal Credit Card Visa Signature XXXX XXXX Account # XXXX Navy Federal Credit Card XXXX XXXX XXXX NAVY FEDERAL is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( Navy Federal ) THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( NAVY FEDERAL ) Making the report is not INCLUEDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( NAVY FEDERAL ) that is making the report.

CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

I am making this complaint for Navy Federals willful violations and non-compliance. 
Please assist in helping me get remedy for my consumer rights. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
In XXXX of 2021, I was using Coinbase Pro 's cryptocurrency exchange to trade and store various cryptocurrencies. I had initiated a deposit from my bank account, which allegedly did not clear after Coinbase Pro had already credited the funds to my account, and I immediately used those funds to purchase several types of crypto. My account was frozen and I was instructed to return the amount of the deposit to my account within 5 days ; and that at the end of 5 days, if I have not done so, the current balances of crypto will be sold to recover the specific amount. My account being frozen was disabled from making deposits withdrawals, or trades ; so I couldn't return the money. Then, after 5 days, all of my funds disappeared from my account. The total value of these funds totaled over three times the amount Coinbase claimed to be seeking to recover. I have submitted multiple claims to inquire about the rest of my funds, but support either avoids the issue by endlessly asking me for information and screenshots of info they already have, or denying that anything untoward has occurred ; or just ignoring my complaints altogether. One support agent told me that I had sold all of my crypto funds and that's why it was at zero. And I responded, reminding them that my account was frozen during the times that these trades, which cleaned out my account, occurred ; that it couldn't have been me who executed the trades ; after which, they stopped responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I sent them proof the date of the debit is incorrect. It was in XXXX of XXXX XXXX XXXX XXXX I was in the XXXX with my XXXX XXXX two years before. I sent the statement as proof. It was never corrected.

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 2021-12-29 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: TX

Complaint narrative:
I had tried to explain to Experian that the Account XXXX XXXX is fraudulent. I have even sent out police reports to Experian as well as cover letters and copy of my personal documents nothing has been done, they have chosen to keep the account. They will not even validate the account with any information given to me. This my 3rd attempt in trying to get this fraudulent item of my report. I have followed all the guidelines and still no support. I need this account deleted as it is having a huge impact in my life emotionally and financially.

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 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
One of the benfits of my Amex Platinum card is to receive once a year a {$200.00} credit towards a hotel booking made with the Hotel Collection or Fine Hotel and Resorts. 

I wanted to utilize the benefit so I went to the AMEX website and to the benefits page and hit on a call to action " book now '' ( see photo ) assuming that that will take me to a list of eligible hotels. I did find a list of hotels and I made a booking for the XXXX XXXX on XX/XX/XXXX ( see screenshot ). 

I later noticed that I did not receive the credit. So I contacted Amex and I was told that despite the XXXX being on the list. It's not eligible as it's not part of the program. If it's not part of the program why is it on the list? The rep said sorry but there is nothing I can do! I think it's not fair and this is very deceiving. I pay {$690.00} for the card and this is disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
To whom it may concern, I had a XXXX  XXXX credit card by synchrony Bank, I bought a scooter {$1200.00}. I send two payments to Synchrony Bank the first money order was on the amount of {$280.00} and the second and last was for {$990.00}. XXXX XXXX call me and said I still have a balance of {$590.00}, I call Synchrony Bank and they told me I dont have any balance on my card to call XXXX XXXX and I did, but they told me to call the Bank XXXX and this is been a nightmare calling back and forth, I have proof the I pay the item I bought from XXXX XXXX, but they still want me to pay again because the bank dint forward the payment to them. The bank got full payment on the credit card, and apparently dint send the money to the XXXX XXXX, I dont work for the bank or for XXXX XXXX, my responsibility is pay my bill as soon as I get it, and I did. Thank you Att : 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 2021-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates
State: MS

Complaint narrative:
I have filed numerous disputes against this item that is being reported on my credit report. I have lived in XXXX XXXX  since XXXX of XXXX. Lewis McDonnell & Associates has reported that I opened an account XX/XX/XXXX which is false information. Its states that the company is XXXX XXXX but when I contact Lewis & McDonnell & Associates they provide me with a different date. I have asked for information to mailed to me but the company has not done this at all. They provided me with an old address that I moved away from in XXXX in XXXX XXXXXXXX XXXX  Non of there information correctly matches any of my information but they say I would have to file a police report to dispute. Theyre telling me the account comes from XXXX but its been reported to the credit bureau as XX/XX/XXXX so that can illegally affect my credit score. I would like to receive a copy of the original signature. They have a copy that shows a computer draft signature which clearly doesnt match my signature. This company is a fraud and is trying to rip off people by destroying their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: NY

Complaint narrative:
I placed a dispute to remove several inquiries however the credit bureaus have not removed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Jim Bottin Enterprises, Inc
State: NC

Complaint narrative:
I mailed proper notice to XXXX XXXX of my intent to cancel a membership at XXXX  XXXX XXXX. I also emailed them of my intent. Despite these efforts, they have tried to deduct money from my bank account. Recently, Ive received a collection notice and a phone call about this disputed debt. This company has a terrible reputation regarding difficulties experienced by consumers trying to cancel gym memberships.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: AR

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

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : CXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/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 2021-12-29 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: AR

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

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/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 non-monetary relief
Consumer complaint received 2021-12-29 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: AR

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

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: VA

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items 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 non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: AR

Complaint narrative:
The company states that I owe a debt. The account needs to be verified. I don't want a statement. I want my contract with this company for the alleged account with my wet signature and the company 's signature. I want the services that I had with this company, and I also want to know if this company is a third-party debt collector. I have already filed a complaint with the Attorney General and the FTC. Pursuant to 18 USC 8 & HJR 192 of 1933 it's the US obligation. The account has several different dates on my credit report, and they are also reporting to all three CRA 's and I want them to delete the account from my report. I DO NOT give my consent to this company to report anything 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 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I have sent Barclay Bank two certified letters ( XX/XX/XXXX, XX/XX/XXXX, both inXX/XX/XXXX) to request them to eliminate this account from my credit reports as it is my father 's who died in XX/XX/2021. I have requested an investigation of this account and for them to provide any proof that this account is mine but they have ignored my letters and phone calls. I have recently seen where they have re-aged this account so to add extra length to a debt that is not mine.

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 2021-12-29 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: NY

Complaint narrative:
I placed a dispute to remove several inquiries however the credit bureaus have not removed them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 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: NY

Complaint narrative:
I placed a dispute to remove several inquiries however the credit bureaus have not removed them.

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 2021-12-29 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: IL

Complaint narrative:
FTC Report attached : Per FTC a police report is NOT required. 

I was incarcerated XX/XX/XXXX to XX/XX/XXXX in XXXX prison booking # XXXX. 
Any accounts or inquiries opened between these dates I did not open. 

I should have absolutely no credit established in my name. 

I have included the FTC report and copies of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief