vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 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 — Investigation took more than 30 days
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have filed disputes in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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 — Investigation took more than 30 days
Company: Carvana Group, LLC
State: CA

Complaint narrative:
I have filed disputes in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Someone used my name and social security number to open a Capital One Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I agreed to purchase an item ( vacuum cleaner ) as part of a promotion for completing a survey. The terms of the transaction were that I only had to pay shipping and handling of {$2.00}. After I entered my debit card information and completed the purchase I got a receipt showing a charge of {$39.00}. I contacted the vendor to cancel the transaction, but he refused and told me to contact my bank. 

I reached out to my bank and they could not get the funds back from the vendor 's bank, so they refused to refund the charge to my account. 

The transactions is fraudulent on 2 counts : 1 ) the vendor used a bait and switch tactic, showing one price & charging another 2 ) I never received any goods or services in exchange for the amount that was charged, which constitutes theft

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reached out to all creditors by writing, online request, and telephone each month since XX/XX/XXXX to have these items removed from my credit reports. I have also formally written all XXXX bureaus to step in on XX/XX/XXXX to have these incorrect accounts removed from my credit. It has been over 30 days and they have not cooperated or even responded to my formal letters that were sent by certified mail to each bureau. 

Account Name : XXXX  Account Number : XXXX Amount : {$3300.00} Account Name : XXXX XXXX  Account Number : XXXX Amount : {$1900.00} Account Name : XXXX Account Number : XXXX Amount : {$1700.00} Account Name : XXXX Account Number XXXX XXXX Amount : {$720.00} Account Name : XXXX Account Number : XXXX Amount : {$630.00} Account Name : XXXX Account Number : XXXX Amount XXXX {$380.00}

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 2022-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
The last payment on my toyota vehicle loan was due XX/XX/2022. I had set up payments with XXXX XXXX XXXX to pay the loan on time every month. I never worried that the payments were late or unpaid because they were automatic. The payments were set up with my bank to go out on the XXXX of every month. I paid in good faith, monthly and assumed that all payments had been made in a timely manner. I was not aware that the last payment had been missed until it was too late. If I had been aware of the missed payment I would have, of course, paid it within the grace period as I had sufficient funds to pay. I was not making any attempt to avoid payment. However, Toyota 's attempts to contact me fell short of what I would have expected. I did not receive any written communication from Toyota. They told me they attempted to contact me by phone 3X. I will not answer my phone if I can not identify the phone number because of the large amount of spam calls I receive, and the first 2 callers did not leave a message ( thats their policy ). The third call made it through to me on XX/XX/2022, 4 days after the end of the grace period. When the agent informed me that the payment was late, I made the payment immediately. That was the last payment of the loan, and I was now PAID IN FULL. I had already been reported to the credit bureau before I even spoke with anyone from Toyota and Toyota did not inform me that I had been reported to same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
This is a complaint with the Comenity Capital Bank, which services my XXXX credit card. On XX/XX/2021 I received a bill of {$33.00}. It was paid on that date, so it was not paid late. I paid the bill electronically through my account at XXXX XXXX. The following month I was notified that the bill was unpaid and had a late fee added to it. I contacted XXXX XXXX and received a document showing that XXXX XXXX had removed the money from my account. They then sent a check to Comenity Bank. I sent proof of this transaction to Comenity Bank, but they were unsatisfied. They requested a copy of the check that was sent by XXXX XXXX. XXXX XXXX did a skip tracing on the check and discovered that it was never cashed. They credited my account for {$33.00} and I sent a personal check to XXXX for that amount, which they received. At the present time Comenity Bank is charging me {$64.00} in late fees. I made the initial payment on time. XXXX XXXX sent the payment in. The payment was either lost in the mail or at Comeninty Bank. We will never know as the check was never found. I would like these late fees erased.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28 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: WA

Complaint narrative:
My wife had XXXX accounts with XXXX and closed both accounts and they were reported as closed and paid on time. However, on my Equifax and XXXX it is showing a 30 day late that never happened. I am attaching my XXXX that shows it paid ontime/closed and then my wifes reports showing no late payments ever. I was an authorized user and have been told that it has to go through the main person, however her reports are accurate so no dispute can be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: Professional Credit Management, Inc
State: MS

Complaint narrative:
on XXXX this company put a medical bill on my credit report but with the wrong address and i have tried talking with them to remove this from my credit reports, they went in and they are using a loophole to get this done by using a company name ( professional credit management ) .this is not fair according to the ftc . but they still said its for the imaging center that was for XXXX for XX/XX/XXXX. I been at my home here since XX/XX/XXXX and they said that they tried calling me and i did not answer calls, then they said they sent it to another address that was not associated with me.I need some help please upon removing this from my credit reports because I supposed to be closing on my home in may. I have paid this XXXX $ but its the hardship behind all of this illegal loophole that they have done. 

Thanks XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 62 A states I have a right to privacy.

15 USC 1681 section 4 A section 2 It also states a consumer reporting agent CAN NOT furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX has clearly violated HIPAA law in my case. They have my personal information aka medical procedures, too much PMI for a third-party company. I have no relationship or agreement with this company. 

They sent me the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was in and out the XXXX XXXX XXXX XXXX XXXX, so I wasnt actively paying attention to my bank activity nor did I realize my card was stolen because I was inside & only making purchases online where I was using my saved card details. A little over a week ago I was alerted that my account was in the negatives which made zero sense to me so I called and and had a discussion with my bank. After reviewing some charges I seemed there was multiple out of state charges so I called my bank and we filed a dispute, they told me to give them 10 business days to find a resolution. On the 9th business they closed they dispute and told me they didnt find an error which is impossible because I was not in Florida XXXX I have doctor appointments to prove and hospital records. 


The charges are here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-28 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: AZ

Complaint narrative:
XXXX XXXX still is not reporting correctly to experian. Account is paid in full. They are reporting negatively on my report for over almost a year. Never updated anything. I believe experian is not investigating at all. All they have to do is call XXXX XXXX like I did and get the facts correctly. XXXX XXXX already said to me that they will get it reported correctly, but experian is lying to federal agency and myself and most likely others across America for centuries. This behavior needs to end now.

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 2022-03-28 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: FL

Complaint narrative:
My name is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/1985 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TRANSUNION FILE # XXXX I did not authorize nor consent to the following inquiries being furnished on my consumer reports 1. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX 2. XXXXXXXX XXXX XXXXXXXX 3. XXXX XXXX  XXXX 4. XXXX XXXX - XXXX 5. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX 6. XXXX XXXX XXXX  XXXX 7. XXXX  XXXX - XXXX 8. XXXXXXXX XXXX XXXXXXXX - XXXX 9. XXXX XXXX XXXXXXXX - XXXX 10. XXXX XXXX XXXXXXXX - XXXX 11. XXXX XXXX XXXXXXXX 12. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 13. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX 14. XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15. XXXX XXXX XXXX I am sending over copy of IDENTY THEFT CASE AND WOULD LIKE ALL INQIUIRIES REMOVED ASAP

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 2022-03-29 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: CBC Companies, Inc.
State: IL

Complaint narrative:
My Innovis Consumer Report is showing a negative account with XXXX XXXXXXXX XXXX account # XXXX, where the date of the 1st Delinquency or 30 days late is not being reported. It is missing and this makes the account incomplete. 

On or about XX/XX/XXXX, I sent a letter to Innovis Consumer Reporting Agency requesting to investigate and provide this information. ( See attached document ) On or about XX/XX/XXXX Innovis responded : " The disputed information was verified as accurate '' ( See attached ) However, the missing information wasn't provided and is still missing. How can the missing information be accurate as being missing? It simply does not make any sense. 

Can you please direct Innovis to provide me the date of the 1st Delinquency and to include it in my report? If they are unable to provide me, please direct them to delete this item from my report. 

Thank you p.s. ANY RESPONSE REGARDING THIS BCOMPLAINT SHALL BE LIMITED TO THE PROBLEM STATED ABOVE AND MAY NOT EXTEND TO MATTERS WHICH THIS COMPLAINT DOES NOT INVOLVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I have also filed this following report to FTC and have a case number XXXX I bought ethereum coins from Coinbase in XXXX. I was notified by email end of XX/XX/XXXX by Coinbase that I could not get into my account. My account was frozen several times and I called the company and each time spoke to different people who informed me I had to wait until I received an email to start the recovery process to get into my account. It took till XXXX XXXX when i got into my account and retrieved much of the coins and money there and left XXXX ethereum coins in that account as I wanted to wait for the market to improve so I would not lose the money I initially put in.That same day on XXXX that thieves got into my account again and coinbase sent me an email asking me to allow or cancel a transaction to go thru. It was shortly after I had taken out most of my money. I hit the cancel button and it was then that coinbase ignored my cancel transaction and allowed the thieves to take my money out. Now, coinbase tells me that not only dont I have my ehtereum coins in there but that I owe them money. Coinbase owes me money and I repeatedly tell them that. Coinbase had no right to allow the transactions to go thru as I hit the cancel button. Each time I called Coinbase I spoke with different people and made notes of their names, time I spoke with them and date. I told this to Coinbase via email but they ignore what I wrote. The coins were stolen from my account and I want it back. I need help. 
I need help in retrieving my account. 



.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
On XX/XX/2022, I sent TOWER LOAN a certified mail letter, informing the company that they are unlawfully reporting an unauthorized inquiry on my consumer report without my permission in which I have yet to receive a response. 
TOWER LOAN is in violation of my rights as a Federally Protected Consumer

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 2022-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reached out to all creditors by writing, online request, and telephone each month since XX/XX/XXXX to have these items removed from my credit reports. I have also formally written all XXXX bureaus to step in on XX/XX/XXXX to have these incorrect accounts removed from my credit. It has been over 30 days and they have not cooperated or even responded to my formal letters that were sent by certified mail to each bureau. 

Account Name : XXXX Account Number : XXXX Amount : {$3300.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Amount : {$1900.00} Account Name : XXXX Account Number : XXXX Amount : {$1700.00} Account Name : XXXX Account Number XXXX XXXX Amount : {$720.00} Account Name : XXXX  Account Number : XXXX Amount : {$630.00} Account Name : XXXX Account Number : XXXX Amount XXXX {$380.00}

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 2022-03-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reached out to all creditors by writing, online request, and telephone each month since XX/XX/XXXX to have these items removed from my credit reports. I have also formally written all XXXX bureaus to step in on XX/XX/XXXX to have these incorrect accounts removed from my credit. It has been over 30 days and they have not cooperated or even responded to my formal letters that were sent by certified mail to each bureau. 

Account Name : XXXX Account Number : XXXX Amount : {$3300.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Amount : {$1900.00} Account Name : XXXX Account Number : XXXX Amount : {$1700.00} Account Name : XXXX Account Number XXXX XXXX Amount : {$720.00} Account Name : XXXX Account Number : XXXX Amount : {$630.00} Account Name : XXXX Account Number : XXXX Amount XXXX {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: FL

Complaint narrative:
In accordance with the FCRA the following companies have violated my rights as a consumer.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave authorization for that. 

1. XXXX XXXX XXXX 2. XXXXXXXX XXXX  XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. 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 2022-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation