vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
I have new and updated information for the complaint # XXXX with BRIDGECREST. 

I received communication from BRIDGECREST on XX/XX/2021 threatening me with legal action if I do not give them my property. I have a cease and desist on BRIDGECREST dated XXXX. BRIDGECREST has violated my consumer rights under the FDCPA. 

I have attached a copy of the communication that was sent by BRIDGECREST.

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 2022-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I am very new to crypto currency so I downloaded the Coinbase app and I thought I had put in the information that they and this was in XXXX I think so I put {$1.00} dollar to start the app. So I went to put in my banking information and I found out that my account was restricted so I contacted the support center and could not help me. So last month they told me I needed to send in my ID and I did that well my account was still restricted and then this about 3 days ago they told me that I needed to fill out a XXXX XXXX I did that and they said the restrictions should lifted and they are not. Then on XX/XX/2022 they sent me a email saying that they were closing my so I tried to put in my banking information and it is still restricted so I called customer service and spoke to a agent and she said she was expedite my case well I checked today and it is still under review and all I wanted to do is put my bank information on my account because the sponsor bit coin games and by my total playing there games is a lot of money and I know that I have to pay them to withdraw the money I am a XXXX I play the games to get extra income they seem to be stalling the person I spoke with today she said that my account is under review again after they had sent the email saying that they were closing my case please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bureau of Accounts Control
State: NJ

Complaint narrative:
15 U.S.C 1681 Section 602A. States The Right To Privacy 15 U.S.C 1681 Section 604A. States A Consumer Reporting Agency can not furnish a account without my written instructions. 
This Company placed medical debt collection on my credit report without any communication. This Debt does not Belong to me And I want it removed from all three Credit Bureau. XXXX XXXX XXXX XXXX XXXX - Bureau of Account Control XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-04-17 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: KY

Complaint narrative:
I am a victim of identity theft, having my personal bank accounts compromised and credit cars opened in my name. I have filed FTC reports for the Identity Theft and my bank accounts was closed due to my accounts being compromised. I have provided XXXX with the FTC report for the identity theft and they are still attempting to collect the fraudulent debt. They are using account statements and fraudulent payments that was processed from my bank account that was compromised as verification of the account. I did not open the accounts. Someone had access to my personal information and applied for the cards. I did not give XXXX to the authorization to report any information to my credit file. Pursuant to the Gamm- Leach- Bliley Act I have to give a financial institution permission to report on my credit file. I was also not given any chance to opt out. They are in direct violation with the FDCPA for attempting to collect a debt that I do not owe. I am being harassed and abused. They are also violating the FCRA and violating my right to privacy reporting this alleged debt that was created due to identity theft of my personal and bank account information. I do not consent to any reporting and I demand these accounts be deleted immediately. I also demand the debt be XXXXXXXX XXXX out in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 

1. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Was never late 2XXXX Account Number : XXXX Was never late 3.XXXX Account Number : XXXX Please remove it from my credit report.

4.XXXX Account Number : XXXX 5. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6.XXXX XXXX XXXX  XXXX Account Number : XXXX Was never late 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 2022-04-17 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 

1. The status is incorrect for the following account XXXX XXXX  Account Number : XXXX Was never late 2.XXXX Account Number : XXXX Was never late 3.XXXX Account Number : XXXX Please remove it from my credit report.

4.XXXX Account Number : XXXX 5. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

6.XXXX & XXXX XXXX Account Number : XXXX Was never late 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: KY

Complaint narrative:
I am a victim of identity theft, having my personal bank accounts compromised and credit cars opened in my name. I have filed FTC reports for the Identity Theft and my bank accounts was closed due to my accounts being compromised. I have provided XXXX XXXX XXXX XXXX with the FTC report for the identity theft and they are still attempting to collect the fraudulent debt. They are using account statements and fraudulent payments that was processed from my bank account that was compromised as verification of the account. I did not open the accounts. Someone had access to my personal information and applied for the cards. I did not give XXXX XXXX XXXX Bank to the authorization to report any information to my credit file. Pursuant to the Gamm- Leach- Bliley Act I have to give a financial institution permission to report on my credit file. I was also not given any chance to opt out. They are in direct violation with the FDCPA for attempting to collect a debt that I do not owe. I am being harassed and abused. They are also violating the FCRA and violating my right to privacy reporting this alleged debt that was created due to identity theft of my personal and bank account information. I do not consent to any reporting and I demand these accounts be deleted immediately. I also demand the debt be XXXXXXXX XXXX  out in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX account # XXXX account # XXXX, is violating 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 also states a consumer reporting Agencey 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 2022-04-17 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX account # XXXX account # XXXX, is violating 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 also states a consumer reporting Agencey can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: MD

Complaint narrative:
According to the fair credit reporting act the following XXXX  accounts are violating my rights. 
account # XXXX account # XXXX 15 U.S.C Section 602 A. States I have the right to privacy. 

15 U.S.C Section 604 A Section 2 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 2022-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
TSI ( Transworld Systems Inc. ) sent me a letter saying I owe {$3800.00} ( random charge {$3200.00} + random fee of {$590.00} ). They said this is for " XXXX XXXX XXXX XXXX '' and didn't provide any other details. I've never lived in XXXX XXXX and have nothing to do with XXXX XXXX. Only debt I have is XXXX Credit card, my car and my motorcycle, which has nothing to do with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXXt account # XXXX XXXX XXXX, account number XXXX Account name XXXX XXXX, account number 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 2022-04-17 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, account number XXXX Account name XXXX XXXX, account number 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 2022-04-17 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: MD

Complaint narrative:
According to the fair credit reporting act the following XXXX  accounts are violating my rights. 
account # XXXX account # XXXX 15 U.S.C Section 602 A. States I have the right to privacy. 

15 U.S.C Section 604 A Section 2 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 2022-04-17 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: MD

Complaint narrative:
According to the fair credit reporting act the following XXXX  accounts are violating my rights. 
account # XXXX account # XXXX 15 U.S.C Section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was added as an authorized user on this JCPenney credit card on XX/XX/2022. I was told it would take 1-2 statement periods for the account to reflect on my credit report. I have spent hours on the phone with JCPenneys as well as XXXX. This account is not showing on any of my 3 credit reports. I was told that this has happened in the past and they dont have a resolution other than to close my account and re open a new one after several months. This is inaccurate reporting and is against the law. My information needs to be accurately reported or I will seek legal advice against JCPenney ( synchrony 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 explanation
Consumer complaint received 2022-04-17 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022, I received notification that a credit card on my account was located out of state. I figured it was a fraud call so I logged into my online banking and in fact saw a list of transactions that were not done by myself or my authorized user. We confirmed that both of our cards were in fact in our position and were unsure what had occurred. We called chase and they informed us that 2 different cards were issued out in my authorized users name, one we received and the other we had no knowledge about. They quickly shut down the cards and issued a temporary credit for all the fraudulent charges and sent over 2 new cards. Fast forward to XX/XX/2022, Chase notified me that out of all the fraudulent transactions they are only accepting the claim for 4 of the transactions. I informed them there must be some type of error because those 4 transactions that they accepted occurred in the same timeline as the other fraudulent charges. They requested further documentation, I submitted a police report with the fraudulent acts and Chase is still giving me a hard time resolving this. Chase isn't resolving a dispute about the purchases and they quickly rush me off the phone every time I call in to inquire about it. When I opened up the account I was told " Cardmembers are not responsible for unauthorized charges made with their card, and we encourage customers to alert us if they notice anything unusual with their account. '' So why are they giving me such a hard time? I have been using my card religiously and make all my payments on time. This is not fair and it has brought an unnecessary level of stress and anxiety on myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX, XXXX ( Acct # XXXX ), XXXX XXXX  XXXX XXXX XXXX acct # 's provided- amounts are {$100.00}, {$110.00}, {$220.00} ) has violated my rights. 

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

15 U.S.C. 1681 Section 602A 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 2022-04-17 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: TN

Complaint narrative:
My credit was rejected the day before closing on a house. The only new information that showed on my report after this happened was two reports by XXXX for accounts that belong to my son and daughter. Since it cost me a home purchase, I was disappointed that all three credit reporting agencies ( XXXX, Equifax, and XXXX ) failed to validate that this was my account before adding it to my report. When I notified all three credit reporting agencies, XXXX immediately removed the two XXXX reports ; however, XXXX is still waiting for XXXX to respond and Equifax closed the dispute, stating that they verified that the accounts are mine. Equifax has no intention of removing the XXXX accounts that do not belong to me and XXXX may follow suit. These are apparently accounts for some type of lab that a doctor ordered for my son  in XXXX and my daughter in XXXX. My son was XXXX XXXX XXXX and not covered on my insurance in XXXX and I would not have been with my adult son when he went to the doctor. My daughter was XXXX XXXX XXXX and covered under my insurance as a secondary insurance in XXXX, but I also would not have been at her doctor appointments either. Since I did not attend these appointments, and even my children would not have known whether the insurance would cover the lab work, I had no way of knowing that these charges existed. I have no idea why XXXX is suddenly adding my children 's bills to my credit report, or why they haven't reached out to my children or reported these on my children 's credit reports. I do know that the accounts do not belong to me and I did not know they existed, even my adult children would not have been notified if their insurance had determined a lab charge to be incorrect or not allowed. There is no logical reason for the XXXX credit reporting agencies to add these collections to my report, causing me to lose all of the money I paid toward inspections and appraisals on a home I was one day away from closing on. Currently, there is absolutely no way that Equifax could have possibly verified these account as belonging to me, yet they refuse to remove them ; and worse still, there is no way of knowing when the XXXX credit reporting agencies might decide to allow collection agencies to add someone else 's debt to my report again. XXXX does not have ads everywhere promoting their paid services, but Equifax and XXXX do ; maybe to them, allowing these types of false claims will force consumers to pay for their premier services.

Company response to consumer: Closed with explanation