vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
On or about and during XX/XX/2016 and including years of my XXXX   I became very XXXX  and during my XXXX medical care care was assign to work in my home, their jobs Included paying my bills. As a result of a XXXX on my XXXX  I had to rely on medical care I didnt realize that these individuals were using my credit cards for their own benefits after I paid my balances off. When asked by creditors why I continued paying my bills I did not know That these individuals were doing criminal activities on all my paid off credit cards. Again these individuals only had authority to pay my bills but they paid my bills and used my credit Cards. These activities were reported by the state police A police report was given to all the creditors. 

Capital one issued new credit cards by changing the account number but failed to drop the late information or data and carry Lateness 30, 60, 90, and 120 days late. When the credit cards were in the criminal hands. it is clearly known that that this data only occurred doing the Thief I have beenDisputing with Captail one for close to three To 4 years now the Credit Bureau s companies have over 130 requests to remove the late data off of the remainder new credit cards I have now. 




Cards below are Active clients late fees 30 days, 60 days,90 days, and 120 days show be removed XXXX XXXX XXXX Please the cards that are newly given are perfect only the lateness should be removed Constant disputing causes and Inaccuracy. 
please the cars listed below are active One particular credit card that was dispute To the capital one. The company stopped the credit Ending by closing the account out and issued Another credit card but never sent the new credit card nor erase the data that transfer to the new credit card. I do not have this credit card in my possession that company never issued this account was used by self with a police report XXXX This is the only card should be removed off my credit This card was replace with Another number capital one is charged interest and fees on a card that was never given to me that was given a police report for thief and now is a charge off on my credit report for years and has constantly being disputed with a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I went through a divorce where i was to remain unharmed from the credit card listed on the judgement from the court order my ex wife was to remove me but has not done & it has affected my credit score to Acquire a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: FL

Complaint narrative:
There is currently an inaccurate item being reported on my Equifax credit report from XXXX XXXX XXXX XXXX XXXX account # XXXX. 
On XX/XX/XXXX, I have contacted XXXX XXXX XXXX XXXX XXXX to verify the ownership of this account at the address listed on my Equifax credit report : XXXX XXXX XXXX, XXXX, VA XXXX via certified mail return receipt. 
The mail was returned back to me as undeliverable due to invalid address. 
On XX/XX/XXXX, I have contacted Equifax with a copy of the returned mail demanding the removal of the account due to the incorrect information being reported. Equifax received my correspondence on XX/XX/XXXX and opened an investigation. On XX/XX/XXXX, the investigation was complete and information was verified as accurate. As of today, XX/XX/XXXX, the address reported by the furnisher is still false and the account has not been removed. Equifax ignores the facts and neglect to conduct adequate and proper investigation into any inaccurate and/or false information reported by furnishers. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any credit reporting agency if the furnisher " knows or has reasonable cause to believe that the information is inaccurate. '' Since I reported it as inaccurate and Equifax initiated its investigation by contacting the furnisher in that regard, the furnisher has a knowledge of the false information which violates my consumer rights. Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately. Should this false information remain on my credit, I I have no choice but to proceed with other legal actions. Thank you for your immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: TN

Complaint narrative:
I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: PA

Complaint narrative:
Wow, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

COVID-19 has really messed me up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: HW Holding, Inc
State: IL

Complaint narrative:
On XX/XX/2016 Hunter Warfield Inc add a derogatory mark on my credit report per XX/XX/XXXX. upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. also, there was No written form communication, contract, or signature for this accused debt at all. a bill without a signature does not validate the debt and anyone can send a bill and say its mines. according to the FCRA, Hunter Warfield Inc has violated my rights as a consumer and im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX data breach whichmay have gotten into the hands of unauthorized individuals.

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 2021-01-10 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: U.S. BANCORP
State: DC

Complaint narrative:
This is in reference to my US Bank account ending in XXXX. 

I had emailed them last year when I had just moved back from California to XXXX DC and was not receiving my statements. I had filled out my Official USPS Change-of-Address form before moving, and most of my other mail was able to be delivered. 

But because nobody had been living at the address I moved to in the past few years ( It's a family owned apartment ) the postal carrier wasn't delivering the mail. I had to go across town to the Postal Center and reclaim the mail. 

So I didn't do anything wrong, and it's not my fault that I wasn't receiving statements. Plus I had to move last minute back to the East coast which is disruptive enough. 

Regardless, I would have paid these on time if I had been receiving my statements. My payment history is excellent otherwise, except for these 2 'late ' payments.

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 2021-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went to XXXX XXXX to test drive a vehicle on XXXX XXXX, 2020. I left without purchasing a vehicle and continued to receive many notices of credit inquires days later after I had already said I did not want to purchase the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: DriveTime
State: TX

Complaint narrative:
I went to XXXX XXXX to test drive a vehicle on XX/XX/2020. I left without purchasing a vehicle and continued to receive many notices of credit inquires days later after I had already said I did not want to purchase the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I went to XXXX XXXX to test drive a vehicle on XXXX XXXX, 2020. I left without purchasing a vehicle and continued to receive many notices of credit inquires days later after I had already said I did not want to purchase the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I have a problem with Western Union. in XXXX/XXXX/2020 i transferred {$2000.00} to XXXX using my account in Western Union, and i Paid fees {$27.00} more than the regular fees that anyone would pay if transfer same amount to same country using same method which is {$7.00} fees to pay using Bank account. 

I called the customer service of Western Union to demand a reimbursement to the overpaid {$20.00}, but they refused. This is a scam, and not fair if one member would pay fees {$7.00} and another would pay {$27.00} under same circumstances. 

For more details : the transaction that had an issue is Tracking # ( XXXX ) : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There 8 total accounts regarding student loans from 2011. Four are closed with no balance but legally should be removed as they are over 7 1/2 years old. The next 4 are duplicates but showing as active. These also legally should be completely removed as they are over 7 1/2 years old but show as current. They are all Department of Education accounts. The following are open dates and amounts : XX/XX/11 {$4500.00} ; XX/XX/11 {$4700.00} ; XX/XX/11 {$7100.00} and XX/XX/11 {$890.00}. 

I have repeatedly asked all 3 credit bureaus to remove these from my credit report, with varying results. The above statement reflects my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: AZ

Complaint narrative:
XXXX XXXX sent my account to collections with no notice. Credit Management would not take the money i paid to them. I requested with a letter it be removed due to there was no letter/Notification of the such debt. I ask XXXX several times about the debt no one ever call me back after several attempts about the bill. I had disputed the bill after i have moved. I call them and told them and they was still trying to bill me after i had cancel the service. 
XXXX made no attempt to dissolve the matter and Credit Management was very rude regarding the matter. I have a copy of the money order credit management mailed back to me in which i purchased in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I locked my Coinbase account as a security measure to protect it as I could not login and could not reach customer service. 
I have submitted 3 total request to Coinbase over the course of the last 2.5 weeks starting around XX/XX/XXXX. I also tried emailing an address I found online ( XXXX ) on XX/XX/XXXX but that address only sends a bounce back message. 

This is a custodial wallet service through Coinbase with XXXX so they have verified my driver 's license and my address is tied to a bank account as well. 

I use Coinbase app on my phone and logged out at one point to reduce me checking virtual currency prices and possibly swapping/purchasing more. 
Since I am used to logging in with my fingerprint ( biometrics ) before on the my phone app, I could not remember my password. 

Unfortunately, I had setup a new more secure email just for Coinbase ( on XXXX vs XXXX previously ) that I do not regularly use, I could not remember my password for the email tied to my account to reset my password. 

In this situation where I could not access my account nor reset my password using the email tied to it, I felt it best to lock my account to secure it. Prior to doing this, I tried to see if I could call Coinbase customer service and realized that they had no LIVE customer service and only available through submitting requests. 

Searching online - it appears that Coinbase can take weeks and often months to respond ; simply google coinbase and XXXX or any combination you prefer or search CFPB website. 

This seems HIGHLY inappropriate for a financial firm not to have live customer service or one that responds within hours. I am used to XXXX XXXX or XXXX or a bank and being able to reach them on the phone in a matter of minutes. I would not except to wait for months to try to access a financial firm. 

If I knew that there is no customer service from a firm handling $ Billions in volume from the get go- I would never have used Coinbase. 

I appreciate help CFPB can provide dearly and thank you for all that you do. 

Have a nice week!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One Bank/ Credit Cards The bank closed my account without notice, never sent funding back. Had to file bankruptcy chapter XXXX to resolve issue the issue is now reoccurring and my name has been sent to authorities without my knowledge and have been incarcerated and dismissed because of the situation. I have contacted the better buisness bureau and filed a complaint. There seems to be an issue with social security number, collections and debt to ratio as well as re-establishing credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I asked the company for verification of the debt, but the documents they sent have my FATHER 'S name on it. XXXX XXXX is my father. I am XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
while checking my most recent credit report i noticed a a credit company i dont recognize on my report. i never signed a contract with them in person or electronically nor any of there affiliates. can they please show proof where i signed any contract with 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 2021-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capitol One has not contacted me to address their obligation to the costs I was forced to pay, the financial damages, the postponement of a remodel project that will result in a 50 % increase in materials and labor and financial freeze I was forced into to fight this malicious attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There 8 total accounts regarding student loans from 2011. Four are closed with no balance but legally should be removed as they are over 7 1/2 years old. The next 4 are duplicates but showing as active. These also legally should be completely removed as they are over 7 1/2 years old but show as current. They are all Department of Education accounts. The following are open dates and amounts : XX/XX/11 {$4500.00} ; XX/XX/11 {$4700.00} ; XX/XX/11 {$7100.00} and XX/XX/11 {$890.00}. 

I have repeatedly asked all 3 credit bureaus to remove these from my credit report, with varying results. The above statement reflects my XXXX 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 2021-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There 8 total accounts regarding student loans from 2011. Four are closed with no balance but legally should be removed as they are over 7 1/2 years old. The next 4 are duplicates but showing as active. These also legally should be completely removed as they are over 7 1/2 years old but show as current. They are all Department of Education accounts. The following are open dates and amounts : XX/XX/11 {$4500.00} ; XX/XX/11 {$4700.00} ; XX/XX/11 {$7100.00} and XX/XX/11 {$890.00}. 

I have repeatedly asked all 3 credit bureaus to remove these from my credit report, with varying results. The above statement reflects my XXXX 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 2021-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: MD

Complaint narrative:
Two Credit Cards were opened in my name in XXXX when I had my credit open because I was in the process of purchasing a home. The cards were opened on XX/XX/XXXX and XX/XX/XXXX. 

A credit card was opened with XXXX XXXX on XX/XX/XXXX in the amount of {$720.00}. I did not open this credit card. I contacted XXXX XXXX repeatedly to let them know that I was unaware of this card and never made the purchase. The so called missed payments over the course of the past year and a half has seriously injured my credit. 
According to my credit report with XXXX, it was Charged off in XX/XX/XXXX. 
However, this remains as a problem and is impacting my credit report. I want this account removed from my credit. 
XXXX XXXX, XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation