vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I received a letter from American Express about a past due balance. We reached an agreement for me to pay 24 monthly payments of {$35.00}. My account would then be paid in full, my obligation fully met. I did so. For XXXX of those months I made the payment faithfully at the same time every month. 
This last check which was due in XX/XX/XXXX was written, mailed out and returned uncashed by American Express. 
It was sent back to me uncashed, from American Express, to tell me my account was no longer in that office. There was no other address to resend that check. 
Yesterday I received a letter from American Express that is from an office located in XXXX Texas that I now owe {$430.00} due XX/XX/XXXX. 
While I agree I still owe the uncashed amount of {$35.00} this is all I owe. 
I don't know whether to just send the check for {$35.00} or just wait to see what happens next. 
I have worked extremely hard to correct my credit. I do not want this to ruin it for me. 

Let me also state this is not the first time I had to deal with American Express like this. In XXXX I made a deal with them to settle my outstanding balance by making ( XXXX ) $ XXXX monthly payments. Let me state, this was my mother 's balance. American Express called me the day of her funeral. Not thinking right I agreed to open up a credit card to transfer the balance on to my name. I made the mistake and will accept it. 

I don't know what to do with this last payment I agree I owe but I refuse to pat an additional {$430.00}. 

I need your help and I really think you need to look into this company further. I can backup my payments showing American Express cashed my checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Have attempted to dispute by mail asking them to remove XXXX inaccurate addresses XXXX which i never resided with copies of my State issued identification and recent utility bill reflecting my actual address, they did not. I placed a call to them on XX/XX/2022 and they still refused. Addresses are either incorrect or they have the wrong apartment number listed, or no apartment number listed Correct and ONLY address where US Mail is deliverable to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong inaccurate addresses that need removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVER LIVED IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXINACCURATE MISSING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- WRONG APT NUMBER should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- NO APT NUMBER LISTED I demand these inaccuracies be deleted from my credit file as they are false and inaccurate

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 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2022, I sent a letter to Equifax and XXXX regarding inaccurate data points on both credit reports from the same company, XXXXXXXX XXXX. With Equifax, XXXXXXXX XXXX is reported as a 'charge-off ', which hasn't been proven to be my account. With XXXX, XXXXXXXX XXXX is reporting as 'Closed ' for the same account in question. 
I feel like I'm being taken advantage of and being ignored of my disputes. 
Section 611 ( a ) in Consumer Protection Act states that it is plainly stated as a failure to investigate said items within 30 days gives a reason to immediately remove them from my credit report ( s ). It has been 60 days to the day. 
I demand that these accounts be deleted immediately or I will file for litigation as well as a thorough complaint to my Attorney General, Federal Trade Commission, and the XXXX XXXX XXXX due to the stress caused to me for this extended inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: NY

Complaint narrative:
The creditor name " XXXX XXXX XXXX '' Violated the fair credit report act by unlawfully reporting to all three credit bureaus which affected my fico scores. How they violated my rights by unlawfully reporting to the bureaus without allowing me to dispute and verify any debt so I may dispute any error. The collection agency hasn't notified me by mail, email or phone call. I haven't received any form of Communitions of the XXXX from " XXXX XXXX XXXX '' by them or liberty mutual. 
I have been a victim of fraud and identity theft which resorted to subject towards a credit freeze with all three credit report agencies because someone is unlawfully using my social security without my acknowledge with the attempt to open accounts. I am seeking by law and due to the circumstances of the removal and any reporting from this collection agency to be wiped of my credit reports permanently because of violation of rights and fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: NJ

Complaint narrative:
Company : XXXX XXXX XXXX Account number : XXXX This company has violated my right. 

There is not enough information to validate the debt, i requested validation of debt by means of : XXXX. Validation of the debt that is, the actual accounting. 
XXXX. Verification of a signed invoice. 
XXXX. A copy of the contract binging both parties, in a letter by certified mail so that there is an independent Witness to it having been delivered. 


15 U.S.C 1692g - Validation of debt ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector 15 U.S.C 1692e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.

15 U.S.C 1692b Aquisition of location information ( 4 ) not communicate by post card ; 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-05-01 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: NJ

Complaint narrative:
Company : XXXX XXXX XXXX Account number : XXXX This company has violated my right. 

There is not enough information to validate the debt, i requested validation of debt by means of : XXXX. Validation of the debt that is, the actual accounting. 
XXXX  Verification of a signed invoice. 
XXXX. A copy of the contract binging both parties, in a letter by certified mail so that there is an independent Witness to it having been delivered. 


15 U.S.C 1692g - Validation of debt ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector 15 U.S.C 1692e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.

15 U.S.C 1692b Aquisition of location information ( 4 ) not communicate by post card ; 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I opened a Coinbase account with {$200.00} and purchased Bitcoin. I never made any other transactions. In XXXX, I went to check my Coinbase account to see fi there were any tax impacts to the account and was told to provide identification documents to verify my identify which I did. When I gained access to my account, the balance was {$.00}. I called the Coinbase customer support line on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and each time was told that would open a case with no progress. The only update I received was that I needed to reverify my identity on line. The last feedback that I received was that someone had gained access to my account and that all transactions are final. 

I appreciate the finality of Bitcoin transactions but feel like Coinbase was not responsive and negligent in follow up. The customer support areas advised they did not have access to accounts and did not feel like they were empowered. At no point during my engagement did I feel any confidence that Coinbase was working to address my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX and XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX and XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have tried more than 5 times to have Chase bank to correct the closing date on my XXXX credit report. 

I just spoke with XXXX and they informed me that Chase has a freeze on my file so therefore no updates will be allowed on my Chase account. 

In the previous CFPB complaint filed in previous complaints, Chase never mentioned this and kept blaming XXXX for the reporting information. 

Chase has demonstrated that they are not a fair reporting company. I have spoke with Chase on numerous occasions and they never mentioned they froze my account from being updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account Jefferson capital system. Has violated my rights.

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Have attempted to dispute by mail asking them to remove four inaccurate addresses one which i never resided with copies of my State issued identification and recent utility bill reflecting my actual address, they did not. I placed a call to them on XX/XX/2022 and they still refused. Addresses are either incorrect or they have the wrong apartment number listed, or no apartment number listed Correct and ONLY address where US Mail is deliverable to me : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Wrong inaccurate addresses that need removed XXXX XXXX XXXX XXXX XXXX New Mexico XXXX NEVER LIVED IN NEW MEXICO XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NEVER LIVED HERE XXXX XXXX XXXXXXXX XXXX XXXX, Ohio XXXX -INACCURATE MISSING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX -- WRONG XXXX XXXX should be XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX -- NO XXXX XXXX  LISTED I demand these inaccuracies be deleted from my credit file as they are false and inaccurate

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 2022-05-01 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: TN

Complaint narrative:
On XX/XX/2022, I sent a letter to XXXX and Experian regarding inaccurate data points on both credit reports from the same company, XXXXXXXX XXXX. With XXXX, XXXXXXXX XXXX is reported as a 'charge-off ', which hasn't been proven to be my account. With Experian, XXXX XXXX is reporting as 'Closed ' for the same account in question. 
I feel like I'm being taken advantage of and being ignored of my disputes. 
Section 611 ( a ) in Consumer Protection Act states that it is plainly stated as a failure to investigate said items within 30 days gives a reason to immediately remove them from my credit report ( s ). It has been 60 days to the day.

I demand that these accounts be deleted immediately or I will file for litigation as well as a thorough complaint to my Attorney General, Federal Trade Commission, and the XXXX XXXX XXXX due to the stress caused to me for this extended inconvenience.

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 2022-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I have reached out to my mortgage company, Shellpoint Mortgage several times since the beginning of XXXX to inquire about the loan I have with them on a house that I own. 

XX/XX/XXXX : Requested through the secured message option on their website requesting all signed documentation received on the mortgage since XX/XX/XXXX. 

XX/XX/XXXX : Requested information of all contract information received by Shellpoint mortgage for my loan via email address provided by the loan specialist handling my loan. 

XX/XX/XXXX : Requested copy of signed loan modification documents Shellpoint mortgage received within the last 60 days on my loan. This request was sent to the email address provided by my loan specialist as well as the secured message option via Shellpoint mortgage website. 

I have only received loan documents that I signed back in XXXX. I have been advised loan modification documents were received on my loan in XX/XX/XXXX. Since I didnt sign the loan documents, I need a copy of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Have attempted to dispute by mail asking them to remove four inaccurate addresses one which i never resided with copies of my State issued identification and recent utility bill reflecting my actual address, they did not. I placed a call to them on XX/XX/2022 and they still refused. Addresses are either incorrect or they have the wrong apartment number listed, or no apartment number listed Correct and ONLY address where US Mail is deliverable to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ohio XXXX Wrong inaccurate addresses that need removed XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX NM XXXX NEVER LIVED IN NEW MEXICO XXXX XXXX XXXX XXXX XXXX, Ohio XXXX -INACCURATE MISSING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX -- WRONG XXXX XXXX should be XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX -- NO XXXX XXXX LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: PA

Complaint narrative:
i want these accounts removed 1.The following account is not mine XXXX Account NumberXXXX balance : {$560.00} Please remove it from my credit report. 

2. The following account is not mine XXXX XXXX XXXX XXXXXXXX Account Number : XXXX* balance:XXXX $ Please remove it from my credit report. 


3. The following account is not mine XXXXXXXX XXXX  Account Number : XXXX balance : {$570.00} Please remove it from my credit report. 



4.The following account is not mine XXXX XXXX Account Number:XXXX balance : {$900.00} please remove it from my credit report. 

5.The following account is not mine XXXX Account Number:XXXX balance:XXXX $ please remove it from my 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 non-monetary relief
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
n accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX have all violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I cosigned for a loan with my daughter in XX/XX/XXXX with Exeter Finance LLC and unfortunately she had to let the car go back in XXXX due to her having problems with her XXXX. The loan has been closed for over 6 years and this company is still reporting on my credit that we still owe them. They have reported this as a charge off and profit and loss debt on my credit report and they are continuing to sell my information to other debt collectors. I have attempted to call them to discuss the matter but they will not remove it from my credit report. I know after 7 years it suppose to fall off but this is really hurting my credit rating. Please help if you can. Thank you for your time.

Company response to consumer: Closed with explanation