vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
The following inquiries appearing on my credit report are false/fraud. I have tried to call Transunion repeatedly and was unsuccessful due to language barriers between agents and myself. No credit was obtain due to these inquiries. I am requesting Transunion remove them IMMEDIATELY. I am also a COVID-19 victime. 

( TRANSUNION FIle ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020, XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX via XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX via XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX via XXXX XXXX XXXX - XX/XX/2020 )

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 2020-11-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: NV

Complaint narrative:
I received a U.S. bank ReliaCard. The flyer with the card said I was receiving this card because I applied for unemployment. I have not applied for unemployment. I live in Nevada. The card was sent from the Colorado Department of Labor and Employment. Several years back my identity was stolen and it took a long time to straighten it out. I don't want to have to go through that again. The name used on the card is XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25 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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2020-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
XXXX, XXXX or XXXX, Fifth third bank/XXXX  XXXX XXXX had my out repossessed. I was not behind on my payments, nor was I late paying but my auto was repossessed while i was interview for an XXXX  XXXX  ( XXXX/XXXX  ) position with the Commonwealth of Kentucky. This was done without notice or warning. I woke up to go to work and my Auto was missing. This auto was a XXXX. Also I had traded in my XXXX XXXX which had been wrecked with had insurance on it. So not only did they get my Insurance but they were still charging me for the XXXX. I, had already notified the Bank that i was in the process of looking to buy a house or home for me and my XXXX daughters. I won this in Circuit Court but the Bank has not settled for putting this on my credit report as non-payment, which is not the truth. The precedent on this case was because a financial institution claimed the person was behind or did not pay ... so you see the motion was sustained for me. see attached information. The minimum amount is {$500000.00} in Kentucky according to their statues, but the Precedent is substantially more. I am asking them to send me information on the homes/houses they have available plus the {$500000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I am reporting the US based Brokerage house Coinbase for fraud. Coinbase is a illegitimate fake company doing business as a brokerage in the USA. They claim to be real, however, a depositor can not reach anyone at this fake company by email or phone, all their infrastructure is designed to prevent a depositor from accessing their money and assets for trading. Every time I try and move money, after I have followed their extensive identity proof requirements, 1. They hold up the money and the trades for 72 hours, and we suspect they are using our money at that time for their own trades. 2. Then they falsify transfers of assists and overcharge the depositors trading fees based on their fraudulent transfers. 

When we try and contact them, they send depositors to a nonfunctional question submission webpage. It is literally not possible to contact this fake brokerage to resolve the issues. Depositors have even tried to contact them on fakebook, but are never answered. 

I have evidence of this fraud. On XX/XX/XXXX I attempted a transfer of .2397 of BitCoin ( ruffly {$4000.00}. ), 72 hours later ( which should have taken 20 minutes, thus we lost our trade ) I received a transfer confirmation of transfer of 5.78 BitCoin ( {$100000.00}. worth ) including the fees paid to transfer that. 

Coinbase charged me fraudulent fees for transferring {$99000.00}, when I only transfered {$4000.00}. They're service provided false documents on the transaction which I have screen capture evidence. 

I verified that only .2397 of BitCoin was actually sent, and I recalled the transaction and received back my .2397 of coin. The receive transmission report was correct. 

Coinbase should not be allowed to operate in the USA, no bank or trading firm should be allowed to operate here if you can't reach the firm to work out disputes, and if they are falsifying documents and charges. 

We can provide documents from our account to the CFPB for verification to our claims, but will not post to this email form due to having our numbers on the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2020-11-25 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: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: CA

Complaint narrative:
This is a response to Experian 's response to my CFPB complaint summitted on XX/XX/2020. Experian explicitly stated that in their opinion the CFPB complaint was not submitted by me. I will assure Experian that in fact I XXXX XXXX am capable of submitting a complaint, despite your perception of me. I will once again attach a copy of my ID and Social security number with a utility bill as proof of my identity.

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 2020-11-25 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: Asset Management Outsourcing, Inc.
State: AL

Complaint narrative:
On XX/XX/2019 Nationwide Recovery Services from the original creditor XXXX XXXX XXXX per XXXX XXXX added a derogatory mark on my credit report. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also there was no form of written communication, contract, signature, for this accused debt at all. A bill without a signature does not validate the debt, and anyone could send a bill and say its mine. According to FCRA the above collection agency has violated my rights as a consumer and I am requesting legal action to remove this from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/2020 I tried to us my chime bank card and it said it was unable to charge. I tried to open the chime app and it informed me that my account was closed. When I emailed chime I got a generic automated email stating my account has been closed and they can not provide me any reasons why. I emailed them back and asked for a supervisor. In which I got a representative and they stated that. I have to wait 30 days for my remaining funds that was in my account to be mailed to me. I also received a following email the reason why my account was closed was due to not submitting an W9 form, which that is for independent contractors or free lancers. I work for an actual company and only fill out w4 forms. They told me to email them my govt ID and social security card to potentially reopen my account, and I havent heard from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: MN

Complaint narrative:
The following inquiries appearing on my credit report are false/fraud. I have tried to call Equifax repeatedly and was unsuccessful as well as due to language barriers between agents and myself. The website continues to crash or not function. No credit was obtain due to these inquiries. I am requesting Equifax remove them IMMEDIATELY. I'm also a XX/XX/XXXX victim. 

XXXX XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XX/XX/XXXXXX/XX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: WI

Complaint narrative:
XXXXXX/XX/XXXX XXXX. XXXX XXXX, XXXX, XX/XX/XXXX XXXX ) let someone fraudulently change the mailing address on my credit card account then run up a bill they never paid. Since the mailing address had been changed, I never received any notices this had happened. The company XXXX XXXX XX/XX/XXXX then sold my account to a debt collector. They now claim no responsibility for what happened, even though it was their bank and personnel which made the changes to my account which resulted in this debt. 

The debt collectors, Midland Credit Management , Inc., XXXX. XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, is now wanting me to pay the charges associated with purchases I never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
On XXXX XXXX, 2019, VALLY NTL BK/XX/XX/XXXXadd a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiries on my credit reporte per XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I retired in XXXX of XXXX. I then paid off my mortgage, automobiles, credit card, etc. and did not have any more creditors between my wife and I. My XX/XX/XXXX credit scores ranged from XXXX to XXXX. For an unknown reason, my wife 's ( Retired XX/XX/XXXX ) credit report in XX/XX/XXXX came back at " XX/XX/XXXX when her credit rating has always been at or above my credit rating. One explanation for this from XXXX XX/XX/XXXX was " Delinquent credit obligations ''. We have been married for 43 years and have always paid our bills on time if not early. 

can you help me with my wife 's credit score?

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 2020-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Checkr, Inc
State: FL

Complaint narrative:
I applied for employment with XXXX and XXXX. Checkr is stating that I need to download a copy of my driver 's license. The link the company gives does not work. When I contacted Checkr with the issue I get the same automated response via email that I need to download my drivers license. The link to download the driver license does not work, when I spoke to the representative at Checkr, they tell me to try again and if I have the same problem to call back. I called back and I receive a recording that they aren't accepting phone calls. The company is having me go in circles and preventing me from obtaining employment by not listening to my complaint that the link is not working. I sent a copy of my driver 's license via email and I'm told that it's not acceptable and I must upload the document. I can not do that as the program has a bug which is not allowing the upload and therefore I am unable to work. I have screenshots of what happens when trying to upload to help resolve the issue but the company looks the other way and states due to Covid-19 the offices are closed and there is only home based assisted representatives who can not help. It's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I hired XX/XX/XXXX to move the contents of my townhouse I sold, to my new house on XX/XX/XXXX. The company collected {$100.00} deposit in cash from me on moving day since I had cancelled the original date of the move and had requested a refund. XXXX XXXX notified my bank back in XXXX to deduct the {$100.00} and so I had to put in 2 claims against the money being withdrawn. The charge is fraudulent and my bank hasn't asked me for my proof ( receipt ) that I paid the {$100.00} in cash on day of services. Capital One is only siding with the moving company and that is bad customer service being I am their customer not the moving company. Capital one needs to credit me back the {$100.00} that is scheduled to be removed from my account on XX/XX/27.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, 2019, TD AUTO FINANCE add a hard inquiry on my credit report per XX/XX/XXXX. 
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiries on my credit reporte per XX/XX/XXXXand XX/XX/XXXX.

Company response to consumer: Closed with explanation