vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XX/XX/2021 capital XXXX sent inaccurate information there is proof my account was XXXX through bankruptcy and I received my title and dont owe any money they said they would delete from credit bureau I spoke with deep and another rep I cant remember his name the Transunion has been deleted they have broken the bankruptcy law by reporting this amount after being XXXX from bankruptcy and title received I will be filing an complaint also with the attorney general and I have emailed XXXX XXXX XXXX requesting this to be deleted due to reporting inaccurate information ... ... Victoria Secret has provided proof I dont have an account with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04 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: TX

Complaint narrative:
My rights are being violated and they are reporting inaccuracies on my credit report. According to the Fair Credit Reporting Act I have a right to dispute inaccuracies on my account. This is the third time I've asked them to remove the XXXX information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/2021 paypal locked my account with out any warming my tax refund was direct deposited into my account at XXXX for the amount of XXXX paypal has yet to release my account I spoke with three different customer support rep and all three gave different answers one even told me she didn't know why I couldn't transfer my money that the account was not limited like one of the said rep stated before I need my money I'm a single mom and my bills are due this is beyond ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phillips & Cohen Associates, Ltd.
State: GA

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX send me a letter trying to collect on the wrong amount.. I want this debt deleted off my credit cus its reported wrong payment history facts and the prices for the debt is different

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XXXX XXXX.I checked my bank account and it was overdrawn because Coinbase took out {$25000.00} dollars from my account that I didnt authorize.

I immediately called my bank ( XXXX ) and they assigned a fraudulent team to investigate. I emailed Coinbase and let them know the situation so they locked my account, later that day my bank notified me that Coinbase credited my money back to my account and that everything is OK..case closed.

I emailed Coinbase to let them know that everything was OK and to please unlock my account which I thought they would do right away.1 month later no reply other then automated emails saying they will investigate and will be in touch in 3 to 4 days, Ive send them probably over 30 emails its going on 5 weeks now and Im starting to get worried, I lost so many opportunities to trade and sell the past month.. all I want is them to unlock my account, thats allI have XXXX XXXX ( {$23000.00} ) that I cant get access to. I need access to sell, please help thank you. case # XXXX Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WASHINGTON XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This current debt that is trying to be collected by midland credit is the result of A fraudulent charge that I reported to XXXX  XXXX XXXX  on XX/XX/2018. 

My credit card was stolen and used. I called into XXXX XXXX XXXX  and for some reason there wasn't a fraud department to dispute charges. They instructed me to write in to a specific address to dispute the charges in writing. I did so the next day. NO investigation was completed after that. In fact they continued to call me and threaten me to pay my balance that I did not charge to my card. Even one person had the audacity to call me cheap if I couldn't pay for the small XXXX XXXX XXXX wanted me to pay the balance that I didn't charge to my card. Attached is the letter I sent with no response from XXXX  XXXX XXXX. 

I have now have a negative charge on my credit report for these charges that I did not complete. These negative charges are keeping me form getting the current job that I am eligible for. This is a formal complaint to MIDLAND CREDIT and XXXX XXXX XXXX that I will take legal actions based on the XXXX law prohibiting me to accept a job based on a negative credit remark. Legal actions of incorrect reporting to all credit agencies that are simply false and for putative damages up to {$500000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Demanding debt validation. Please see original complaint CFPB Ref No:XXXX & CFPB Ref No:XXXX. Company not adhering to 15 USC 1692g fails to provide adequate proof that use of credit card was not unauthorized. They are also conspiring to furnishing deceptive forms relating to correspondences disputing 15 USC 1643 and the liability of the card holder.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Received a bill from Aargon collection company of club dues. I was not given opportunity to dispute the item.

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 2021-03-04 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: GA

Complaint narrative:
XXXX XXXX incorrectly shared/ reported a Bankruptcy attached to my name to the three Credit Bureaus ( Experian , XXXX and XXXX ) I disputed the inaccurate information with the credit bureaus several times. Each time they told me the BK was verified through XXXX XXXX. I contacted XXXX XXXX via phone in XX/XX/XXXX and explained to them my issue. XXXX XXXX started an investigation and after thoroughly investigating they realized the error and removed the BK from my report. In addition, they mailed a letter to me in XX/XX/XXXX. I submitted a dispute to all 3 CBs and attached the letter that is on official company letterhead stating the BK was deleted from my file. All 3 CBs responded to my dispute and said the account was verified. This is inaccurate and they did not investigate with XXXX because it would have shown that this was an error and was not my BK. Under the FCRA, companies must conduct free of charge a reasonable investigation of this dispute. I did not receive this from Experian, XXXX and XXXX. I notified XXXX XXXX on XX/XX/XXXX and they stated they will submit a request to delete this information and the 3 CBs ( XXXX, Experian and XXXX ) have yet to remove this erroneous information from my account.

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 2021-03-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2020 my Bank of America debit card was hacked and my weekly benefits that I receive From the unemployment was stolen in the about of {$290.00}. On that same day I call Bank of America and reported the issue. They then told me that they were going to investigate and send me a new card, I received the new card and when it was time to receive my next weeks benefits the card was closed already. I then called Bank of America and was by them to call the unemployment ( DETR ) after calling them they said that they were looking to fix the issue and that the issue should be fixed in about 7 day, however after the 7 day no word, so I called Bank of America once again for them to point the finger back at the unemployment ( DETR ), so I called DETR once again and did not get a direct answer once more, after a few weeks more of going back in fourth with both companies, DETR finally asked me to send a copy of the front and back of my identification and a copy of my social security card and I did just that. Then I was told that it will take another 7 day, but never heard back from neither company. When calling to check the status was more from DETR I was told that I must set up a ID.ME account to so they could verify my identity, so I had to once again send a copy of the front and back of my identification card and social security card and after calling to check was everything ok with my ID.ME account they said it would take 7 days once again. But still heard nothing from neither company. When calling to check again several different days and weeks, I was told it was in progress. After month of continuing all that was asked of me, I once more call to check on the status and once again DETR asked me to send all copies of my identifications. However XXXX continue failing my unemployment claims each week and I can see that I am getting paid on the unemployment DETR side but still my Bank of America card remains closed. I have 16 weeks of unemployment benefits frozen. I am in need of all moneys owed to me, due to bills being delinquent and my XXXX kids needing 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 2021-03-04 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:
I am currently in Chapter XXXX Bankruptcy. I am filing this complaint due to inaccurate information being reported by Experian regarding my XXXX XXXX XXXX XXXX Account. Experian is saying that the information is correct and that XXXX XXXX reported the late payments and XXXX XXXX is saying Experian is reporting late payments. This account is showing 30 day late payments from XX/XX/XXXX through XX/XX/XXXX and XXXX and XX/XX/XXXX. All of these are inaccurate and is dropping my credit score significantly

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 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
XXXX is claiming that I owe them {$630.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my 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 2021-03-04 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: IL

Complaint narrative:
I tried to apply for a mortgage loan and the loan officer was not able to get my XXXX  report and shows there is fraud on the account, I called XXXX to see what is going on and I was told there is nothing wrong from their side we tried again and again no luck. 
We ended up getting Experian report that showed some incorrect information that couldn't be disputed online due to fraud. I called Experian to fix the problem of not letting me access my report online to see what is wrong and dispute it I was told that they can't do anything about it, I asked to speak to the supervisor from Experian he said he can't do anything thought I have the right to access my report online just like every single person in this country. all I ask now is Experian unlock my online dispute option so I can look at what is there and dispute accounts that doesn't belong to me.

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 2021-03-04 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: GA

Complaint narrative:
XXXX XXXX incorrectly shared/ reported a Bankruptcy attached to my name to the three Credit Bureaus ( XXXX , XXXX and Transunion ) I disputed the inaccurate information with the credit bureaus several times. Each time they told me the BK was verified through XXXX XXXX. I contacted XXXX XXXX via phone in XX/XX/XXXX and explained to them my issue. XXXX XXXX started an investigation and after thoroughly investigating they realized the error and removed the BK from my report. In addition, they mailed a letter to me in XX/XX/XXXX. I submitted a dispute to all 3 CBs and attached the letter that is on official company letterhead stating the BK was deleted from my file. All 3 CBs responded to my dispute and said the account was verified. This is inaccurate and they did not investigate with XXXX because it would have shown that this was an error and was not my BK. Under the FCRA, companies must conduct free of charge a reasonable investigation of this dispute. I did not receive this from XXXX, XXXX and Transunion. I notified XXXX XXXX on XX/XX/XXXX and they stated they will submit a request to delete this information and the 3 CBs ( XXXX, XXXX and Transunion ) have yet to remove this erroneous information from my account.

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 2021-03-04 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: GA

Complaint narrative:
XXXX XXXX incorrectly shared/ reported a Bankruptcy attached to my name to the three Credit Bureaus ( XXXX , Equifax and XXXX ) I disputed the inaccurate information with the credit bureaus several times. Each time they told me the BK was verified through XXXX XXXX. I contacted XXXX XXXX via phone in XX/XX/XXXX and explained to them my issue. XXXX XXXX started an investigation and after thoroughly investigating they realized the error and removed the BK from my report. In addition, they mailed a letter to me in XX/XX/XXXX. I submitted a dispute to all 3 CBs and attached the letter that is on official company letterhead stating the BK was deleted from my file. All 3 CBs responded to my dispute and said the account was verified. This is inaccurate and they did not investigate with XXXX because it would have shown that this was an error and was not my BK. Under the FCRA, companies must conduct free of charge a reasonable investigation of this dispute. I did not receive this from XXXX, Equifax and XXXX. I notified XXXX XXXX on XX/XX/XXXX and they stated they will submit a request to delete this information and the 3 CBs ( Equifax, XXXX and XXXX ) have yet to remove this erroneous information from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: PA

Complaint narrative:
Pursuant 15 usc 1681 TransUnion is liable for reporting accurate information on my consumer report. TransUnion continued to give out incomplete and inaccurate information after I requested several times via certified mail to investigate and correct inaccuracies. 
It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW XX/XX/XXXX XXXX, and Richardson v. Fleet, XX/XX/XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.

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 2021-03-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
AROUND XXXXXX/XX/2021AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WERE A LOT OF FRAUDULENT ACCOUNTS REPORTING ON TO MY CREDIT REPORT. WHICH ARE ILLEGAL TO REPORT INACCRURATE INFORMATION. 
FRADULENT ACCOUNTS- EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRADULENT HARD INQUIRES : EXPERIAN XXXX XXXXXX/XX/XXXXFRADULENT HARD INQUIRES : XXXX  XXXX XXXX XXXX XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FRADULENT ACCOUNT-XXXX  Collections-Unknown- XXXX XXXX FRADULENT HARD INQUIRES : XXXX  : XXXX, XXXX  XXXX  FRADULENT ACCOUNTS : XXXX  XXXXXX/XX/XXXXXXXX, XXXX XXXX  WE HAVE ATTEMPTED TO CONTACT THEM. HOWEVER, THEY CONTACT TO REPORT THE FRAUDULENT ACCOUNT TO ALL 3 CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE US INFORMATION PROOFING THIS FACT. NOW THEY HAVE STOPPED RESPONDING TO OUR EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. 
WE HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED THAT ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT. AS WELL AS PROVING THE FACT THAT THIS IS MY ACCOUNT. 
PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS FCRA LAWS INCULDING AND NOT LIMITED TO SECTION 609,611 ( A ) ( 1 ) ( A ) AND FCRA U.S.C 161B

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 2021-03-04 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: Thaxton Investment Corporation
State: IL

Complaint narrative:
This company is reporting fraudulently amounts on my credit report. Heights Finance posed as a different company on the phone and I agreed to pay thinking it was another company. This company had already reported negatively on my credit report as a charge off ... the initial balance they alleged I owed was {$2100.00} in XXXX of 2020. Since then each month they have reported late fees of {$58.00} dollars monthly. I have proof this company is a fraud and is very deceptive. XXXX opened a account in my name under deceptive and fraudulent information. They should not have the right to bully consumers and impact their lives, by reporting false and fraudulent information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliver Adjustment Co.
State: IL

Complaint narrative:
they sent a debt collection notice in 2015 and I sent them a request for validation all I got from them was a print out name and address and some lab work report that I don't even know for what was that plus that print out didn't even looked legit, I did a search on that turned out to be out of state service that I never received, contacted them for lab documents and blood test or anything that shows they belong to me never heard from them. they hurt my credit and I wasn't even able to get a home loan because of that. 
now 6 years later its still there so I decided to make some effort and pay the {$660.00} out of pocket for something that doesn't belong to me and sent them a letter for full payment in return to get that removed from my credit report yet never heard back from 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 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account on XX/XX/2021 for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them I tried restoring my account by giving them my information they asked for but still they don't lift my account from limitation but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation