vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My car was repossessed around late XX/XX/XXXX or early XX/XX/XXXX XXXX XXXX XXXX. I redeemed the vehicle within the allotted timeframe. I was told all monies past due, the next month 's payment, fees, and recovery charges were due in oder to redeem the car. So that is what I did. Within a few days of getting the car back, I received a bill saying I owed over {$100.00} after they just said everything was due before I could get the car back. XXXX XXXX XXXX has not reported to ANY of the credit bureaus nor provided me a statement or accurate balance since then. Every week most times several days a week I received harassing calls threatening to repossess my car even though I have made double and triple payments. I've had to take their word and pay whatever they said to pay. They kept saying they weren't bound by law to provide statements once the car had been repoed. This goes on for 27-28 months I had to write down what I paid, when and the balance. They said the was not any interest being charged at this point and the balance was simple, but they would confirm this with writing. On XX/XX/XXXX while getting ready to remit payment for the month XXXX XXXX of month XXXX they say 11 of my payments were reversed and the were picking my up, out to call back sayin it was a mistake. The balance was agreed back in XX/XX/XXXX that it was {$10000.00} and then XX/XX/XXXX the account status change and the balance Is now over {$15000.00}. They still have not fixed this " system issue '', no one has called back to give me an update on it and I been sending letters to XXXX XXXX XXXX and the credit bureaus every month since XX/XX/XXXX and neither have responded to any of my letters. By law, they are supposed to conduct their investigations and respond to the consumer wishing 30 days. Now they have decided to begin reporting again ( INACCURATELY with the balance and missing 27-28 months of history ) and have caused my score to drop almost 60 POINTS!!!

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 2021-06-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My car was repossessed around late XX/XX/XXXX or early XX/XX/XXXX XXXX XXXX XXXX. I redeemed the vehicle within the allotted timeframe. I was told all monies past due, the next month 's payment, fees, and recovery charges were due in oder to redeem the car. So that is what I did. Within a few days of getting the car back, I received a bill saying I owed over {$100.00} after they just said everything was due before I could get the car back. XXXX XXXX XXXX has not reported to ANY of the credit bureaus nor provided me a statement or accurate balance since then. Every week most times several days a week I received harassing calls threatening to repossess my car even though I have made double and triple payments. I've had to take their word and pay whatever they said to pay. They kept saying they weren't bound by law to provide statements once the car had been repoed. This goes on for 27-28 months I had to write down what I paid, when and the balance. They said the was not any interest being charged at this point and the balance was simple, but they would confirm this with writing. On XX/XX/XXXX while getting ready to remit payment for the month XXXX XXXX of month XXXX they say 11 of my payments were reversed and the were picking my up, out to call back sayin it was a mistake. The balance was agreed back in XX/XX/XXXX that it was {$10000.00} and then XX/XX/XXXX the account status change and the balance Is now over {$15000.00}. They still have not fixed this " system issue '', no one has called back to give me an update on it and I been sending letters to XXXX XXXX XXXX and the credit bureaus every month since XX/XX/XXXX and neither have responded to any of my letters. By law, they are supposed to conduct their investigations and respond to the consumer wishing 30 days. Now they have decided to begin reporting again ( INACCURATELY with the balance and missing 27-28 months of history ) and have caused my score to drop almost 60 POINTS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
In XX/XX/2017 I opened coinbase ( https : //www.coinbase.com/ ) account to start investing in crypto currency. 

Then I submitted XXXX separate transactions for {$3000.00} each on XX/XX/XXXX and XX/XX/XXXX and only those XXXX transactions were authorized by me. 
Later I looked at the history of my account and there were XXXX transactions to coinbase account {$3000.00} each instead of XXXX! 
I went to XXXX XXXX Bank and cancelled these XXXX transactions. 

I never authorized the other XXXX transactions that coinbase shows took place in my account from XX/XX/XXXX to XX/XX/XXXX. 

To be clear, my XXXX XXXX account should have only had XXXX transactions for a total of {$6000.00} and I should have roughly XXXX litecoins. 

When the unauthorized incorrect transactions were reversed, only the unauthorized transactions should have been reversed. Looking at my account it seems my litecoins were taken from my account sold at the current market price on XX/XX/XXXX to recoup the loss on the unauthorized transactions initiated by coinbase and not me. 

I asked litecoin company XXXX litecoins be returned to my coinbase account. It is not my fault that coinbase wrongfully created additional transactions and it is not my liability. 

Instead of that they closed my account where now I see XXXX Litecoins remaining Instead of XXXX. 

I am upset at the way this business was conducted and seems completely fraudulent in nature. 

Please make an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020 I was in the search of a vehicle at XXXX XXXX XXXX. They asked for my social security number & at this time I didnt have a credit line opened so I wasnt worried. I also disclosed this to them and they assured me they only needed my social for identity verification purposes. I was never told they would be running a credit check. I never authorized them to use my information for anything else, not to mention sending it to FOUR different companies! I have called all four companies individually to remove the inquiries off my report but they have denied to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: NY

Complaint narrative:
On XX/XX/2021 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. I feel like im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation 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
Consumer complaint received 2021-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover did not fulfill their promotion regarding a {$45.00} statement credit when signing up for a XXXXXXXX XXXX XXXX membership. 

Discover sent me an email on XX/XX/XXXX ( see attached ) about a promotion that stated " Get a {$45.00} statement credit when you activate this offer and sign up for a new {$45.00} XXXX XXXX XXXX membership online or in club with your Discover Card by XX/XX/XXXX. '' At the bottom of the email they included the fine print which included certain criteria that must be met. One of those said that the " Offer fulfilled as a statement credit within three billing cycles after the end of the promotion. '' As a result, I waited until XXXX to contact them to ensure that the full three billing cycles were met. I called them and had online chats with them on XX/XX/XXXX questioning why I didn't receive the statement credit. I had followed the criteria in the fine print. I purchased a XXXX XXXX XXXXXXXX Membership on XX/XX/XXXX with my Discover card using the link provided in the email. I have never been a member of XXXX XXXX XXXXXXXX before. I authorized annual recurring charges when purchasing the membership. I purchased the membership in the U.S. I've never used this promotion before or anything related to this promotion. I do not work or have ever worked for XXXX or XXXXXXXX XXXX XXXXXXXX. I am above the age of XXXX. When I contacted Discover on XX/XX/XXXX they could not provide me a reason why I would not receive the {$45.00} statement credit and they said there was nothing they can do or I can do to remedy the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account ( # XXXX ) in Other Accounts section of my Equifax credit report, in violation of FDCPA and FCRA reporting regulations. Collections must be reported in the Collections portion of credit reports. 

The attached documents prove that XXXX XXXX XXXX is reporting this account incorrectly and is in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint involves XXXX XXXX XXXX, XXXX, a debt buyer, fraudulently reporting itself as a Factoring Company in the Account Type section of my Experian credit report between XX/XX/XXXX and XX/XX/XXXX, relating to a collection ( Account # XXXX ). XXXX XXXX XXXX, XXXX is in violation of the FCRA and FDCPA by ever describing itself as a Factoring Company on my credit reports. XXXX XXXX XXXX, XXXX is junk debt buyer it purchases security interests in old, defaulted receivables. Factoring companies only purchase new receivables. On XX/XX/XXXX, I initiated a dispute with the XXXX XXXX XXXX of XXXX, Virginia, arguing that XXXX XXXX XXXX had since XX/XX/XXXX, been erroneously reporting itself as a Factoring Company on my Experian credit report. I included an attachment of my XX/XX/XXXX Experian credit report verifying my claims. On XX/XX/XXXX, XXXX XXXX, Regulatory Compliance Analyst with XXXX XXXX XXXX, responded to my complaint. XXXX claimed, XXXX has confirmed that it is properly identifying itself as a Debt Buyer to the consumer reporting agencies ... She goes on to write, XXXX does not control the way consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. This is a lie. On XX/XX/XXXX, I spoke with several Experian representatives who confirmed that Experian DOES NOT modify, change, amend, or alter any information furnished by a creditor. The same day, I submitted a rebuttal to XXXX  fabricated XXXX XXXX XXXX  statements, providing additional evidence that my XX/XX/XXXX Experian credit report still showed XXXX XXXX XXXX reporting itself as a Factoring Company. Tellingly, on XX/XX/XXXX, XXXX XXXX XXXX began reporting as a Debt Buyer under the Account Type of my Experian credit report. I confirmed with Experian on XX/XX/XXXX that this change in reporting was instituted by XXXX XXXX XXXX, not Experian. It is clearly evident that both XXXX and XXXX XXXX XXXX are lying, are/were in violation of FCRA and FDCPA reporting regulations, and need to be held accountable. I have attached the XXXX XXXX XXXX correspondence referenced above, in addition to attachments proving XXXX XXXX XXXX was reporting as a Factoring Company to Experian in XX/XX/XXXX and on XX/XX/XXXX. Ive also provided an attachment which shows how XXXX XXXX XXXX began reporting as a Debt Buyer on 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 2021-06-03 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: FL

Complaint narrative:
I am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. It stems from a renters insurance policy that I briefly had and tried to cancel. I had duplicate coverage as I advised the phone team for XXXX  renters insurance many times. I was told to give them the policy information and they would retroactive the cancellation and wave any fees. This to date has still not happened. The debt was also thrown to collections prematurely without proper extensions given all I told you above. I over a year and a half later called progressive then got auto insurance with them. I am happy with my current auto service and I was told nothing is due from the previous account. I am also showing current when I log into the app or call now. However this debt is still on my credit reports. Please update and remove this negative reporting asap. Please do this for all credit agencies ; Experian, XXXX  and XXXX  need corrected. Please also supply me in a letter stating this to the address on file. Please leave my auto insurance that is current as is. I am happy with the current service and just need this old reporting from XXXX  corrected. 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 non-monetary relief
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Sunrise has failed to send me the requested verification of this debt when asked when they called me 3 months ago! I told them I was unaware of the debt and also never lived at the address they reported where service was connected. My address is XXXX XXXX XXXX ... XXXX was NEVER connected HERE as my apartments XXXX XXXX will verify INTERNET is included from XXXX XXXX. They said service was connected at a XXXX address. Instead of sending me whatever documentation they had or closing this account, they instead reported this debt to 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 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),

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 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: FL

Complaint narrative:
I am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. It stems from a renters insurance policy that I briefly had and tried to cancel. I had duplicate coverage as I advised the phone team for progressive renters insurance many times. I was told to give them the policy information and they would retroactive the cancellation and wave any fees. This to date has still not happened. The debt was also thrown to collections prematurely without proper extensions given all I told you above. I over a year and a half later called progressive then got auto insurance with them. I am happy with my current auto service and I was told nothing is due from the previous account. I am also showing current when I log into the app or call now. However this debt is still on my credit reports. Please update and remove this negative reporting asap. Please do this for all credit agencies ; XXXX, XXXX  and TransUnion need corrected. Please also supply me in a letter stating this to the address on file. Please leave my auto insurance that is current as is. I am happy with the current service and just need this old reporting from 2019 corrected. 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 2021-06-03 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: EQUIFAX, INC.
State: WV

Complaint narrative:
Date of delinquency are incorrect with student loans so once I filed a dispute with Credit reporting agency Equifax, to please remove the account that have been closed, they stated the accounts wasn't closed that they report late payment not receive dropping credit score 126 points, I asked if the account was already passed due 10+ years ago and affected my score then, how can it continue to affect my score report as if its new late account..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Applied for a Macy 's XXXX XXXX XXXX. However Card Denied. reasons : 1. Serious delinquency, and public record or collection filed-Provide proof? 

2. Number of accounts with delinquency- Provide account names? 

3. Time since delinquency is too recent or unknown- Provide time and dates : 4. Length of time accounts have been established- Provide length time names? 

Please provide insufficient requested information as stated above.

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