vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Multiple credit card payments were reported late during the covid pandemic with no help to keep negative reporting from hitting my credit report. Was put on a parent plan and made multiple payments to keep credit card from being charged off and credit card was still charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I never did business with the company Convergent outsourcing .I disputed it 2 times and both the company and the XXXX  never provided me with a signed contract with my signature. a collection bill is not a validation and I have a right to be provided with proof or it needs to be removed. In attempts to get it off my credit I paid off the balance. It still reflects I owe. This is also inaccurate reporting.

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 2021-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
My. Name is XXXX XXXX and I am XXXX XXXX XXXX. I have invested over {$200000.00} in portfolio of various virtual currency with Coinbase Inc. I was last able to log inno the portfolio on XX/XX/XXXX. In the early morning of XX/XX/XXXX, I was denied log in and strayed the process of resetting my password. I was only getting automated emails with directions to wait for 24 hours. I have yet to receive the reset password link. Six or seven hours later, on XX/XX/XXXX, I called their automated line wirh requests and was not able to connect with anyone at all or recieve any answers. I locked the account acvitity via phone - only option available and am waiting for any sort of update until now. These were my life savings and since I used my institution to transfer the funds, I have proofs and can show the total amounts invested. I am looking for a resulution of this horrible situation, since this has driven me to suicidal thoughts. 

I appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: NC

Complaint narrative:
XXXX XXXX shows this status - Account charged off. {$2500.00} written off. {$670.00} past due as of XX/XX/XXXX. 

They were paid off nearly XXXX by insurance. This does not reflect on write off amount XXXX was promised to be waived once insurance was paid which was never done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II 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 60 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: NY

Complaint narrative:
This is truly a misrepresentation of the law. Im just confused and feel abused by unethical procedures that are taken place. My kids can be homless because of the fraud. I have studied the regulations committed to protect the consumers from fraud and any inaccurate information on there credit report.

You are validating information that cant be validated unless if all parties in the matter are interviewed and giving a statement. The person who in fact stole my identity cant be interviewed because we do not know who it is. You are reasonably justifying these accounts but thats impossible because these accounts arent mine. According to FCRA 15 U.S. Code 1681c-2 Block of information resulting from identity theft within 4 days. I have submitted all the documents required according to the FCRA to have all accounts removed. This is completely wrong. I am a victim of identity theft. The data funishers can not say that these are my accounts. The information was stolen so you are validating accounts that shouldnt be on my report. You have 4 days in receipt to remove these accounts. Protect me from this fraud I am a victim. I am uploading all factual documents again. Thank you in Advance.

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 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My case relates to bankruptcy that was disputed. 

On XX/XX/XXXX, I requested verification from the courts on how information is reported to agencies. In response, they sent a written notification on XX/XX/XXXX stating that courts do not provide information to credit reporting agencies. I requested this item to be removed from my credit report because it does not comply with FCRA 611 ( 15 U.S.C 1681I ) on XX/XX/XXXX and in violation of the Fair Credit Reporting Act. 

In response, Equifax stated the information was verified on XX/XX/XXXX, XXXX, However, this is false because courts don't report to agencies/credit bureau. 

As a result, I would like for CFPB to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
A collection appeared on my credit report from security credit services in midXXXX. I have never received anything from them regarding this collection. I have called them every single day beginning XX/XX/XXXX in order to attempt to get them to verify the debt. They have yet to answer the phone & I have left a voicemail each day requesting that they return my call. They have yet to do so. I have also sent a letter, dated XX/XX/XXXX and have yet to receive a response. It is unfair that this is on my credit report when the company is making it impossible to verify and/or resolve the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: NY

Complaint narrative:
What does following the law to your company mean to you? You are suppose to protect me as a consumer but instead your are treating me like the villan. I am a victim of identity theft and I have for the last couple weeks have been giving all the information needed for you to help me resolve the matter. You have responded with laws from the FCRA but you are misusing them. You must study the law and come to the realization that you are wrong. According to the FCRA you must have a valid submission/statement from all parties involve in the matter of this investigation. Since we don't know who cause this horrific crime on my report. There is no evidence for these accounts to stay on my report. The data furnishers can not validate the debt because my information is ofcourse going to be the same because my identity was stolen. According to the FCRA U.S Code 1681c-2 you have to Block information resulting into identity theft within 4 days of receipt. You can not reasonably validate these accounts there is no way to justify this. Protect me and protect my family.

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 2021-06-13 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: NY

Complaint narrative:
What does following the law to your company mean to you? You are suppose to protect me as a consumer but instead your are treating me like the villan. I am a victim of identity theft and I have for the last couple weeks have been giving all the information needed for you to help me resolve the matter. You have responded with laws from the FCRA but you are misusing them. You must study the law and come to the realization that you are wrong. According to the FCRA you must have a valid submission/statement from all parties involve in the matter of this investigation. Since we don't know who cause this horrific crime on my report. There is no evidence for these accounts to stay on my report. The data furnishers can not validate the debt because my information is ofcourse going to be the same because my identity was stolen. According to the FCRA U.S Code 1681c-2 you have to Block information resulting into identity theft within 4 days of receipt. You can not reasonably validate these accounts there is no way to justify this. Protect me and protect my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Debt was 100 % paid off and is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
There was a US Bank account opened without my knowledge or approval. Ive called US bank several times to let them know its a fraudulent account however they havent done anything nor investigated. Im a victim of identity theft and whatever checking account US bank is showing on their record is not mine.

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 2021-06-13 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: NY

Complaint narrative:
What does following the law to your company mean to you? You are suppose to protect me as a consumer but instead your are treating me like the villan. I am a victim of identity theft and I have for the last couple weeks have been giving all the information needed for you to help me resolve the matter. You have responded with laws from the FCRA but you are misusing them. You must study the law and come to the realization that you are wrong. According to the FCRA you must have a valid submission/statement from all parties involve in the matter of this investigation. Since we don't know who cause this horrific crime on my report. There is no evidence for these accounts to stay on my report. The data furnishers can not validate the debt because my information is ofcourse going to be the same because my identity was stolen. According to the FCRA U.S Code 1681c-2 you have to Block information resulting into identity theft within 4 days of receipt. You can not reasonably validate these accounts there is no way to justify this. Protect me and protect my family.

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 2021-06-13 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: TX

Complaint narrative:
I have accounts that I did not open on my credit report and none of my credit reports match. I also disputed 4 times in one year ( XXXX-XXXX  ) to get these items off my account. I know by law my credit report should have the same information on all three and it doesnt. I need these inaccurate accounts removed.

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 2021-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened an HSBC account back in XXXX of XXXX and I was notified by HSBC that my account will be closing. On XXXX of XXXX I went to local branch in XXXX XXXX California they took copies of my identification and told me that they cant help me because accounts were opened online. I called the customer service number and I was told branch can help me. XX/XX/XXXX I was told account is closed and funds have been sent in form of a check. I waited XXXX, XXXX, XXXX, XXXX and now we are in XXXX to this day I have not received anything. On Thursday XX/XX/XXXX I went to XXXX California local branch of hsbc bank asking them about the status of the account and I was told they cant help. Then I called the customer and he assured me that branch can help me. I went to the branch and I was told thats a lie. HSBC has been lying and keeping/holding my funds when they have no grounds to do such thing. The very last person I spoke with the bank he assured me that I will Get the money back however nothing has been received. Here is information for your reference : XXXX  operator ID. XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: NY

Complaint narrative:
This is truly a misrepresentation of the law. Im just confused and feel abused by unethical procedures that are taken place. My kids can be homless because of the fraud. I have studied the regulations committed to protect the consumers from fraud and any inaccurate information on there credit report.

You are validating information that cant be validated unless if all parties in the matter are interviewed and giving a statement. The person who in fact stole my identity cant be interviewed because we do not know who it is. You are reasonably justifying these accounts but thats impossible because these accounts arent mine. According to FCRA 15 U.S. Code 1681c-2 Block of information resulting from identity theft within 4 days. I have submitted all the documents required according to the FCRA to have all accounts removed. This is completely wrong. I am a victim of identity theft. The data funishers can not say that these are my accounts. The information was stolen so you are validating accounts that shouldnt be on my report. You have 4 days in receipt to remove these accounts. Protect me from this fraud I am a victim. I am uploading all factual documents again. Thank you in Advance.

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 2021-06-13 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
This is truly a misrepresentation of the law. Im just confused and feel abused by unethical procedures that are taken place. My kids can be homless because of the fraud. I have studied the regulations committed to protect the consumers from fraud and any inaccurate information on there credit report.

You are validating information that cant be validated unless if all parties in the matter are interviewed and giving a statement. The person who in fact stole my identity cant be interviewed because we do not know who it is. You are reasonably justifying these accounts but thats impossible because these accounts arent mine. According to FCRA 15 U.S. Code 1681c-2 Block of information resulting from identity theft within 4 days. I have submitted all the documents required according to the FCRA to have all accounts removed. This is completely wrong. I am a victim of identity theft. The data funishers can not say that these are my accounts. The information was stolen so you are validating accounts that shouldnt be on my report. You have 4 days in receipt to remove these accounts. Protect me from this fraud I am a victim. I am uploading all factual documents again. Thank you in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation