vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-21 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: Berlin-Wheeler, Inc. (Kansas)
State: AR

Complaint narrative:
XXXX MUST REMOVE ALL HARD INQUIRIES THESE ARE UNUTHORIZED. ALSO RELEASE MY XXXXXXXX AND SEND CODE

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 2021-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
On XX/XX/2021, I opened up an account with Coinbase. The next day I purchased XXXX  coins, totaling {$5000.00}. Only thing I had to provide was an e-mail address and confirm the computer. Coinbase allowed me to purchase coins immediately and drafted from my banks immediately as well. Also, I deposited an additional {$5000.00} into cash. Within a few days later I deposited another {$10000.00}. Never had to show them any other proof, Driver 's License, etc. 

A few days later go by, and somehow I am locked out of my account. not allowing me back in. I tried many times to reset passwords, etc. Coinbase even came back and e-mailed stating that there is another {$10000.00} in the account. The account is still active, the company will not allow me in, even after multiple times of proving my identity. I even have the XXXX authenticator that changes the digit code every 30 seconds. Changed all my passwords and verified with XXXX XXXX that my SIM card has not been hacked. Ran a virus check and followed all the steps. 

I have provided them photo ID 's and reset my password and even have a 2 Factor authentication set up. There have been a string of e-mails back and forth, and it appears that these are automated responses. Now I am locked out of my account without any recourse, as I have heard that once you are locked out, you could be in this cycle of opening and closing cases. 

I have attached the sequence of e-mails showing exactly all the communications, from set up to deposits, to purchases, etc. I removed the e-mail address and names as per your instructions. 

They rejected my account recovery, only to make me start over again. 

Please help me on this as I feel that the {$20000.00} is now gone. A US company based out of California in where I am in the dark. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
The following accounts appearing on my credit report are fraudulent : XXXX XXXXXX/XX/XXXX {$0.00}, XXXX XXXXXX/XX/XXXX {$890.00}, ALLY FINANCIAL XX/XX/XXXX {$0.00}, XXXX XXXXXXXX XXXX XXXX$670.00}, XXXX XXXX I reached out to the XXXX XXXX, and XXXX credit bureaus several times. The last correspondence was XX/XX/XXXX. I have received no valid response.

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 2021-02-21 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The following accounts appearing on my credit report are fraudulent : XXXX/XXXX XX/XX/XXXX {$0.00}, XXXX/XXXX  XX/XX/XXXX {$890.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX {$670.00}, MIDLAND CREDIT I reached out to the XXXX, XXXX, and XXXX credit bureaus several times. The last correspondence was XX/XX/XXXX. I have received no valid response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I did not give authorization for this company to run my credit and put it on my credit.i want this account to be removed from my credit. they put this car my account and never removed it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
I filled out an online form around XXXX XXXX. Received a call from them the following day and was instructed to register to to an online account to which they have already set up using sone info in my application form. I was told that my username is my email address and password is my Social Security. 
Once I have logged on, there was already a contract ready for my signature. After verification of my bank details I asked some questions regarding the contract. At the end of the phone convo I told the lady that I am not signing the contract yet and I will just get back to it later. To which she said it was okay and that she will be calling me again, or I should feel free to call them back on the number she was using to call me. 
Not sure if she called me back. When I logged on to my Myquickwallet.com account, the loan agreement/contract was no longer there. I tried to call their number back but couldn't reach them. Now, on that account, my personal information are listed including my Social Security number! Like if someone hacked my account, the hacker would have easy access to my Social Security number. So, since the personal loan didn't materialize, I have decided to just have them deactivate and completely delete my account. I sent them an email requesting for such action since I can't do it from my end, but the email bounced back to me, it said the the email address can not be found. 
I am faced with the dilemma of an unsecured Social Security number and personal information. I just want Myquickwallet.com to deactivate my account with them. Please help me. 
These are the contact numbers tgey have on their Web site : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX I certainly hope my complaint merits your favorable action. Thank you and more power.

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 2021-02-21 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
TWO FRAUDULENT HARD PULLS ON XXXX  COMMENITY CAPITAL XXXX AND COMMENITY BANK WAYFAIR

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I filed a claim XXXX for {$310.00}. This claim was promised by manager XXXX on XX/XX/2021 to be returned to my account but it has not happened. This transaction is causing me a hardship as the funds had me in a negative balance status. I requested that the call be pulled and the promise for that final credit to be credited to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: DISCOVER BANK
State: AR

Complaint narrative:
TWO FRAUDULENT HARD PULLS ON XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: AR

Complaint narrative:
TWO FRAUDULENT HARD PULLS ON EQUIFAX XXXX XXXX XXXX AND XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
THEIRXXXX/BELK ETC.. ARE 14 FRAUDULENT HARD PULLS FROM SYHRONB=XXXX XXXX ON XXXX ONLY.

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 2021-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The Walmart card that was opened by someone else under my name appeared on my credit report 8 months ago. I have gone back and forth so many times trying to delete this account and capital one is saying they have validated my account. 

Upon further research this account was bought from XXXX XXXX and now I am fighting with them. It was never opened with capital one and yet they are trying to collect. This account needs to be deleted from my credit reports and deleted from the capital one internal database as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: MS

Complaint narrative:
I received a notification in my email that XXXX  completed their investigation into my dispute of the following accounts ; File XXXX Merchants XXXX  - XXXX XXXX XXXX, Merchants XXXX  - XXXX XXXX XXXX I have faxed this information and sent certified mail to both Equifax and XXXX in regard to these same accounts. I demand that XXXX and Equifax remove these items immediately. I have been advised by my attorney to file a complaint here prior to proceeding with a lawsuit. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: Colony Brands, Inc.
State: AR

Complaint narrative:
THEIRXXXX ETC.. ARE 14 FRAUDULENT HARD PULLS FROM XXXXXXXX XXXX ON XXXX ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
THIS COMPANY Sequium DEBT COLLECTOR DID NOT VALIDATE THE DEBT I SENT A CERTIFIED LETTER ON XX/XX/20 GOT NO RESPONSE ALL OF SUDDEN THIS POPPED UP ON MY CREDIT REPORT WITHOUT PROVIDING THE LEGAL INFO I ASKED FOR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/2020 I reapplied with XXXX XXXXXXXX XXXX in the amount of {$500.00}. I thought this would lead to the company deleting my old account from my credit report and I would be starting a new account with this company. I paid {$480.00} on XXXX XXXX, 2020 to the collection agency that had bought my account from XXXX. I also paid {$270.00} on XXXX XXXX, 2020 to XXXX XXXX the collection agency that acquired my account from XXXX XXXX XXXX, XXXX XXXX XXXX I have been disputing these items on my credit report to the credit reporting agencies as well as reaching out to the original lenders. Only for them not to acknowledge that a payment has been made to these accounts. I have also attached the receipts and proof of payments with my disputes to the reporting agencies only for them not to acknowledge that I paid my debts and the information they have on my credit report is 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 explanation
Consumer complaint received 2021-02-21 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: AR

Complaint narrative:
On XX/XX/2020 I reapplied with XXXX XXXXXXXX XXXX in the amount of {$500.00}. I thought this would lead to the company deleting my old account from my credit report and I would be starting a new account with this company. I paid {$480.00} on XXXX XXXX, 2020 to the collection agency that had bought my account from XXXX. I also paid {$270.00} on XXXX XXXX, 2020 to XXXX XXXX the collection agency that acquired my account from XXXX XXXX XXXX, XXXX XXXX XXXX I have been disputing these items on my credit report to the credit reporting agencies as well as reaching out to the original lenders. Only for them not to acknowledge that a payment has been made to these accounts. I have also attached the receipts and proof of payments with my disputes to the reporting agencies only for them not to acknowledge that I paid my debts and the information they have on my credit report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Disputed inaccurate information being reported on XXXX by wells Fargo. sent letter to wells Fargo XXXX said they needed more information to verify account. at that time they where reporting 60 days late in XX/XX/XXXX and 90 days late in XX/XX/XXXX with no 30 days late before that. after they first dispute they changed the months to 60 days late in XX/XX/XXXX and 90 days late XX/XX/XXXX again with no 30 days late before the 60 days. they made the change in XXXX Sent in A second dispute letter with drivers license full account number same as first letter. this time i did not receive a response back, but the again changed the report with XXXX to 60 days late in XXXX and 90 days late in XXXX with no 30 days late before the 60. still not correct it to 30 60 days late which is what they are reporting to XXXX  and XXXX they changed the info in XXXX. 

I received an email from wells Fargo stating XX/XX/XXXX that they are reporting correctly but the next paragraph down says they found inconsistent reporting. also received the letter from the second dispute saying that they are reporting accurately. But yet they are not. They in violation of the FCRA rules by reporting inaccurate information. XXXX failed to do their job as i disputed this with them should have been deleted at that point. all I wanted was for it to be corrected. now it needs to go away.

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 2021-02-21 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Around 90 days ago my credit score stopped showing suddenly on my.Equifax.com. Once I contacted Equifax they advised me to send in my documents to very my identity. Those documents included my SS card, drivers license, and a letter asking them to update my information. Recently on XX/XX/XXXX I was told by Equifax that they never received my documents. I then resent them and was told they arrived XX/XX/XXXX. They stated my credit score should be showing now but it is not. Ive call a numerous amount of times. Disputes have been filed and completed. Ticket request were requested and stated they were completed. On my end there is still nothing showing. When I apply for credit I am immediately denied due to Equifax. I also tried to purchase a product from them multiple times and it says unable to complete your request. I call customer service and still nothing. I keep receiving an NH code error from Equifax. This issue is now hindering me during covid. I am worried because I can not access my credit score information like every other consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
My spouse and I were financed with CNS Portfolio Service, the account was opened in XX/XX/XXXX and the car was totaled in XXXX, I have had numerous conversations with Representatives of CNS in regards to this account was never have been reported to the credit bureaus. The car was totaled in an automobile accident in which we didn't have gap insurance. I was advised by unscrupulous representatives who told me my account would not go to collections when it did I settled the account out and was advised 7 years ago account will be deleted, still, this day account is still be reported, the last dispute I submitted to XX/XX/XXXXin XX/XX/XXXX, still states under investigation. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: FIRST PORTFOLIO SERVICING INC
State: IL

Complaint narrative:
Online portal to repay loan is not working. They have no alternative suggestions on the website and customer service is not responding.

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 2021-02-21 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: AES/PHEAA
State: PA

Complaint narrative:
Over the past few months I have been trying to get the three FedLoan accounts removed or to stop reporting as if they are active. According to my report it reads as follows : FED LOAN SERVICING Last reported XX/XX/XXXX Account status Closed Type Education loan Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Account previously in dispute - Now resolved by data furnisher Variable/adjustable Rate Times XX/XX/XXXX days late XX/XX/XXXX Closed XX/XX/XXXX The problem with the above information is my account status states these loans are closed as of XX/XX/XXXX, however they are being currently reported as derogatory as recently as XX/XX/XXXX. 

My loans are currently with US Department of Education Default Division at the Total and XXXX XXXX XXXX. They are with this unit to be discharged. 

I will upload the letter sent to me dated XX/XX/XXXX with an account number of XXXX. Phone number of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I noticed a charge of XXXX on my account. Dated XX/XX/2021 .I phoned the bank on the day I noticed it and it had posted the day before,XX/XX/XXXX. The bank issued me a new card.although my card wasn't stolen the money was transferred from my account.i received a new card but my XXXX isn't on there.i phoned the bank again and spoke with the fraud dept.and they gave me the run around plus I couldn't understand him because of his language problems.i still have not gotten my money back from the bank.

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 2021-02-21 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: CA

Complaint narrative:
In XXXX XXXX XX/XX/XXXXXXXX had originally put this account as being late. After disputing with the credit agencies XXXXXX/XX/XXXXXXXX proceeds to update the account being late as of XXXX. Which is completely false I hadn't had XXXX XX/XX/XXXX XXXX for nearly 10 years Until XXXX. And they will not let this fall off my credit And they have lied to keep this 11 year delinquent account on my history.

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