vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 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: FL

Complaint narrative:
on XX/XX/2012 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY.

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
EQUIFAX, XXXX  AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XX/XX/2012 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY. 

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
XXXX, EXPERAIN AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 2021-09-16 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: NY

Complaint narrative:
Equifax furnished invalidated accounts attempting to coerce me to pay. The accounts have not been validated by the consumer and no attempts were made by Equifax to verify the information with the consumer. I've made attempts to resolve this issue, the most recent being XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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:
Equifax is inaccurately reporting a XXXX XXXX ( XXXX XXXX ) account on my credit report. The account is for an address in which I have never lived or had any services. I have provided Equifax with a copy of my lease and statements from XXXX XXXX which prove I lived and had services at a different address during the dates reported by Equifax. I also included a statement which shows I am in good standing and owe no debt to XXXX XXXX. Though I have sent multiple letters to Equifax, the account remains on my credit report as " verified. '' This inaccurate account and the refusal of Equifax to correct their erroneous reporting is causing concrete harm to me financially. Equifax is reporting the account opened XX/XX/2020 so I included a portion of my lease and a XXXX XXXX email which show I lived and had service at a different address during that period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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:
This reporting does not belong to me. Wrong report on my credit report history

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 2021-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Synergetic Communication Inc
State: FL

Complaint narrative:
This company has failed to provide sufficient verification to the three credit bureaus as I requested to have verified this debt belongs to me as they say, and nothing has been sent to me as any proof therefore they have now again sold my information to yet another collection agency that is abusive on the phone please be aware of this scamming company the names are XXXX XXXX XXXX XXXX and Synergetic Communications, INC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
I have 2 items listed in my credit reports from " Credit Bureau Systems '' trying to collect medical debt. I sent them a letter XX/XX/2021, asking them for proof this debt belongs to me and they sent me medical records as their proof on XX/XX/2021. They did not provide me a signed contract of any kind but most importantly they did not provide a signed HIPPA release form for them to even be in possession of detailed medical records. No one can be in possession of medical records without explicit permission from the patient by way of a signed HIPPA release form including 3rd party collection agencies. They have violated HIPPA laws. So immediately after I received their letter I disputed with all the credit bureaus sending them a copy of what Credit Bureau Systems sent to me only to have it come back that it " meets FCRA Requirements ''. It most certainly does not. I also wrote to Credit Bureau Systems informing them of their HIPPA violation and request they stop reporting these collections on my credit reports but they have not responded and are still ILLEGALLY reporting on my credit reports. Violating HIPPA laws is a serious legal violation. One in which I can sue both the collection agency and the credit bureaus for violating. I don't want to have to take it that far but will. I'd like to get it resolved and be done with it. I came to your website today and looked up how to make a complaint and I looked up Credit Bureau Systems and I found out Credit Bureau Systems has a past history of violating HIPPA laws. They are known for doing this and action against them needs to be taken. I definitely want this published by CFPB so that others who are having their HIPPA rights violated by this crooked company will be able to see and hopefully use this and other complaints against Credit Bureau Systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I open a citi credit card and used it 2 time and thier fraud department froze the card. I called them 3 times and it went nowhere.

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 2021-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
This company has failed to provide sufficient verification to the three credit bureaus as I requested to have verified this debt belongs to me as they say, and nothing has been sent to me as any proof therefore they have now again sold my information to yet another collection agency that is abusive on the phone please be aware of this scamming company the names are Jefferson Capital Systems LLC and XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not validated any of the debts TransUnion has furnished. I believe they are attempting to coerce me to pay on inaccurately reported accounts. No attempts were made by TransUnion to verify the account information with the consumer. I've made multiple attempts to resolve this issue, the most recent being XX/XX/2021.

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 2021-09-16 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: Security Credit Services, LLC
State: VA

Complaint narrative:
A company called Security Credit Services located in the State of Mississippi, with which I have no business dealings whatsoever and have never been contacted by, posted fraudulent information to my credit report on XX/XX/2021. 

This information indicates a debt reported to be in collections for {$1400.00}. I have never had such an amount in any account payable nor did Security Credit Services indicate what the debt was related to as they have never contacted by by mail or by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
on XX/XX/2021 inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, US SM BUS ADMIN ODA.. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX , XXXX XXXX inquired on XX/XX/XXXX XXXX, US SM BUS ADMIN ODA inquired on XX/XX/XXXX XXXX , XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX inquired on XX/XX/2021 ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
15 USC 1692e any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and 15 USC 1692f any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. 15 USC 1692a Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692B ( 4 ) ) The advertisement for sale of any debt to coerce payment of the debt.

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 2021-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
Dates : XX/XX/2017 re : fraudulent deposit from identity theft. 

XXXX XXXX acct : Bank of America one : joint account with husband ( no longer together ) One checking account ( my own ). 
This is hurting my future and opening a bank account and my credit.

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 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
THE 3 CREDIT BUREAUS AND XXXX ARE NOT REMOVING THE LATES FROM MY CREDIT REPORT. THE MOTOR BIKE WAS A TOTAL LOSS THE INSURANCE PAID THE ACCOUNT AND I ALSO MAILED A PAYMENT IN. I HAVE PROOF BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: NY

Complaint narrative:
I have not validated any of the debts Equifax has furnished. I believe they are attempting to coerce me to pay on inaccurately reported accounts. No attempts were made by Equifax to verify the account information with the consumer. I've made multiple attempts to resolve this issue, the most recent being XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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 recently during the pandemic fell behind on my payment with XXXX XXXX in 2020 due to financial hardship and the fact I just had a baby. Prior to my initial missed payments I had a good payment history and even after the missed payments I keep up with payments. The payments that was missed in XXXX 2020 was only due to a real natural hardship and the pandemic that took place and I beg that you forgive it being that I have good track record and promise it will not happen again. The missed payment is also affecting my ability to obtain more credit and is hurting my financial reputation

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 2021-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/2021, I sent XXXX Of my HEX coins to my Coin base account from my XXXX mask account ( valued close to {$23000.00} on that date ). Coin base received my coins  and the transaction was successful. Transaction ID : ( XXXX ) The Coins/funds was never credited to my coin base account. 
I reached out to coin base customer service to find out why my HEX coins ( or their value ) were not in credited to my coin base account, I got back from coin base customer service stated that HEX coins are not used in coin base. So, I sent another email to Coin base  customer service to resend the HEX coin back to my XXXX XXXX XXXX since the transaction was done/ completed and the HEX coins are in their platform and out of my XXXX XXXX XXXX, but they never did giving me the same story as HEX coins  are not used in their platform. 
I filed a compliance compliant with coin base and the answer was the same as their customer service. 

I would like to file a complaint about their business practices and in the way they are maliciously and fraudulently holding my HEX coins and how I am not able to get them credited on my coin base account or refund them back to my XXXX XXXX XXXX 
COIN BASE is publicly traded company, and they need to stay away from shady practices and keeping investors monies as hostages. The bottom line I am not able to get Coin base to credit my account or refund my HEX coins/ money, please help. 

Kind regards.

Company response to consumer: Closed with explanation