vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 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: NY

Complaint narrative:
XXXX IS REPORTING XXXX MULTIPLE TIMES UNDER XXXX XXXX updated account information. THIS ACCOUNT XXXX IS A PAID IN FULL ACCOUNT AND ITS BEING REPORTED UNDER XXXX XXXX IN FOR XXXX " ADDED TO ACCOUNT '' with no information not even saying paid The account are paid. It's just there reported multiple times.

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 2022-02-16 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: FL

Complaint narrative:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-16 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: MA

Complaint narrative:
I have asked credit companies to validate the date and provide me documentation that shows who sign up for these accounts and despite my letters to them to do so they have not done so. I have reported these accounts to the police as fraud : US dept of ED acct # XXXX XXXX Bank acct # XXXX Alleged XXXX  Account # XXXX : LOAN : XXXX XXXX Subsidized Amount XXXX XXXX LOAN : XXXX XXXX Unsubsidized Amount $ XXXX LOAN : XXXX Career Training Amount $ XXXX LOAN : XXXX XXXX Unsubsidized Amount $ XXXX LOANS TOTAL AMOUNT {$13000.00} . 
Please see attached statement. 
Ref : Alleged Account XXXX - XXXX XXXX XXXX , Social Security XXXX XXXX XXXX  ACCOUNT [ XXXX ] Re : XXXX XXXX  XXXX XXXX ] Re : XXXX XXXX Ref : Alleged Account # 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 2022-02-16 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have asked credit companies to validate the date and provide me documentation that shows who sign up for these accounts and despite my letters to them to do so they have not done so. I have reported these accounts to the police as fraud : US dept of ED acct # XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX Account # XXXX : LOAN : XXXX XXXX XXXX  Amount XXXX XXXX XXXX  : XXXX XXXX XXXX  Amount $ XXXX LOAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount $ XXXX LOANS TOTAL AMOUNT {$13000.00} XXXX 
Please see attached statement. 
Ref : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Social Security XXXX XXXX COMENITY ACCOUNT [ XXXX ] Re : XXXX XXXX XXXX XXXX ] Re : XXXX XXXX XXXX : Alleged Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  ( Original Creditor : 07 XXXX  XXXX  XXXX  XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX Reference # : XXXX XX/XX/XXXX Amount in Dispute {$1000.00} Originator : Hospitalist Medicine Physicians of California In XXXX I had XXXX XXXX XXXX. All medical bills including this XXXX were paid by XXXX Parts XXXX and XXXX plus XXXX XXXX XXXX through XXXX XXXX Plan which this bill originated from XXXX XXXX XXXX and/or XXXX XXXX XXXX XXXX that same year. Both locations are in XXXX, California XXXX. I have not heard of any further bills I owe to any hospital and now XXXX years later I get a bill from Cascade Receivables Management LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: GA

Complaint narrative:
I applied for the XXXX XXXX XXXX XXXX ( XXXX ) with Fedloan Servicing. On XX/XX/XXXX and XX/XX/XXXX I uploaded my Government Employment Verification forms. Fedloan took a look at these documents on XX/XX/XXXX. Since the Department of Defense, XXXX of my former employers does not verify employment. I uploaded my XXXX and XXXX XXXX on XX/XX/XXXX. Fedloan Servicing asserts that XXXX of my payments are eligible payments towards loan forgiveness, BUT I do not have any Government work history verification. I have made multiple telephone calls to Fedloan Servicing and I am on hold for about XXXX minutes on the average. At last, in late XX/XX/XXXX, I finally got a person who told me that Fedloan Servicing has a backlog and he has no idea when they will get to my documents to verify the authenticity of my Government work history verification. I feel I am being stonewalled by Fedloan Servicing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/2021 my account on CoinBase .com was hacked. {$39000.00} worth of various cryptocurrencies were stolen. Upon suspecting that there was a fraud, I called CoinBase at XXXX p.m. Eastern Standard time and spoke to their representative who told me in no uncertain terms that my account had " no transactions ''. This is ON A RECORDED LINE. 

CoinBase has refused to accept responsibility for this misleading information. The FBI site clearly states that notification of fraud should be done immediately as time is of the essence. I was not given that luxury due to their misinformation. 

I want all the cryptocurrencies that were taken to be reinstated in my account exactly as they were prior to the theft. 

A company worth almost XXXX XXXX dollars should have phishing site prevention and URL monitoring of which they have none. Protecting their investors is clearly not high on their " to do '' list. Taking responsibility for lying to their customers is also not an imperative on their list. 

The evidence is clear. I have also been denied the ability to trade the stolen assets as they have diminished in value. This is clearly an injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are fraudulent inquiries on my credit that needs to be deleted asap. I did NOT authorize nor authorize anyone to submit inquiries on my behalf. I am a previous victim of ID fraud years ago and I am worried about the same situation happening again. I never applied or signed any application. Please delete all of the following : - XXXX  XXXX  XXXX  : XX/XX/XXXX ; TransUnion XXXX XXXX XXXX : XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; XXXX- XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; TransUnion - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX & TransUnion

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 2022-02-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are fraudulent inquiries on my credit that needs to be deleted asap. I did NOT authorize nor authorize anyone to submit inquiries on my behalf. I am a previous victim of ID fraud years ago and I am worried about the same situation happening again. I never applied or signed any application. Please delete all of the following : - XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; Equifax - XXXX : XX/XX/XXXX ; Equifax - XXXX : XX/XX/XXXX ; XXXX- XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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:
I checked my credit report and there is some items that does not belong on 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 non-monetary relief
Consumer complaint received 2022-02-16 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts 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 2022-02-16 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: FL

Complaint narrative:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is identity theft.

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 2022-02-16 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: TX

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: TX

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-16 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: DC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX 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 2022-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Today XX/XX/22, I called Citibank and spoke with a supervisor XXXX in Florida. I requested that o ask for interest charges to be reversed. I have never asked for this before nor have I been late. I have been a customer for over 5 years and they were not willing to work with me. I was just a couple of days after the due date and paid off my balance as I always do. I just want to say that this is disheartening that a bank could be so cold. The hardship of living in this new norm along with the high price of inflation hasn't made it any easier on us. This is so wrong that Citibank is unforgiving and not willing to ease the financial crunch in our lives.

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 monetary relief
Consumer complaint received 2022-02-16 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: EQUIFAX, INC.
State: IA

Complaint narrative:
Here is the letter I sent on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Iowa XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


12. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: DC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MI

Complaint narrative:
This company popped up on my credit report as me owing them a balance I never incurred. I have no knowledge of this company, nor have I ever done business 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 2022-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Looking over my credit report I noticed an account that didn't belong to me with the high balance that is still active it is not mine I never applied for it and I think my ex-wife pretty sure my ex-wife did it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
On XX/XX/2021 I ordered a stove from XXXX  that was never delivered and they tried to delivery me a dryer and I ordered a stove and they guy said he had wrong item and will delivery by tomorrow so he never did and XXXX  had he came out so they so the was going to dispute it so I tried with my card holder twice with no response charge was XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief