vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In the attached dispute letter to Equifax dated XX/XX/XXXX listed inaccuracies such as a late payment and account information. As a result of the dispute inaccuracies, Equifax deleted the entire accounts in error. Since, I fax to XXXX on XX/XX/XXXX to reinsert the open and active accounts without action or communication. On XX/XX/XXXX, I fax again to Equifax at XXXX, and to date, no action to correct this error, nor have I hear from them to have the open and active accounts reinserted. Since, I called XXXX XXXX XXXX  XXXX and spoke with XXXX and was informed they reported to Equifax on XX/XX/XXXX, XXXX XXXX and XXXX of XXXX. I caleed XXXX XXXX XXXX  an spoke with XXXX and was informed they report to Equifax every Friday. I called and spoke with XXXX at XXXX XXXX XXXX and they last report to Equifax on XX/XX/XXXX. My XXXX  XXXX Auto Financial was not disputed as this is open and active, yet Equifax deleetd the account in error, and XXXX from XXXX XXXX stated they report to Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. To date, no action has been taken to correct and reinsert the above listed accounts that are open and active.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 someone opened a fraudulent store credit card at the XXXX XXXX  store in XXXX, CA serviced by Comenity Bank, an charged {$8300.00} on it in store goods. 
I found out about it only because I monitor my credit reports and I saw a credit inquiry that came in from Comenity. 
I reported to Comenity Bank immediately as soon as I found out, on XX/XX/XXXX. 
I also filed an identity theft report with the government. 
Comenity Bank promised to investigate. However, they sent me a letter mid XXXX, advising I'm responsible for these charges. Since then, they started charging late fees on the amount. 
I placed another call on XX/XX/XXXX to Comenity fraud protection asking to escalate and reinvestigate the case. 
At the same time, I found multitudes of customers online complaining about their problems due to Comenity Bank 's unsatisfactory safety practices resulting in multiple fraud cases with their store cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
I have an online account with Coinbase.com where I buy cryptocurrency and store it with them. XXXX allows us to change from XXXX XXXX to another so on XX/XX/XXXX I submitted 2 orders to convert XXXX dollars of MKR cryptocurrency to XXXX XXXX and XXXX dollars of AAVE cryptocurrency to XXXX XXXX. After I submitted the XXXX orders, Coinbase.com performed the conversion at NO fees, commission free. But I noticed that they only gave me XXXX dollars of XXXX from XXXX conversion and XXXX dollars from the XXXX conversion eventhough the conversion is for XXXX and XXXX dollars respectively. XXXX convert some of the money and kept the rest of the requested amount to convert. So I asked to convert XXXX dollars ( XXXX ) but they only converted ( XXXX ) dollars and stole the rest of my money which is about XXXX dollars. Where is my XXXX dollars and why they took it out of my account and why did they convert only a partial amount of my order and took the rest to themselves. Taking XXXX dollars out of my account is stealing and fraud and scam. I converted XXXX dollars of MKR and XXXX dollars of XXXX both to XXXX XXXX so that is what I should get and NOT less XXXX dollars and that is NOT fees. There are no fees for conversion and even if there is it wont be XXXX dollars XXXX gouge their fees on buying cryptocurrency and now they are stealing my money. I want my XXXX dollars back from XXXX. 
These transaction happened on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a XXXX XXXX  and notified of the data breech so i checked my report and i found several hard inquiries to things I never applied for. I also saw a CBNA bank account in Texas that is not mine but has been opened since 2019! That is not me, please help!

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 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have requested that they provide me with documentation that this account belongs to me. Also I have not received proper notification prior to it going to collections. I provided my ID, Social Security, start date of current lease, attempts to login their system which I am in return rejected, and a dispute letter. They are attempting to utilize the information that I provided them with and change account information that I have no knowledge of and change the start of collections over with out notifications. I have disputed this with the credit burial and the debt collector. The credit burial have sent me my dispute results and it reads address in question is deleted and found not mineand the consumers concluded that the information they have is accurate. Impossible I cant login to their system with my personal information. The debt collector have received all required information from me and have not provided any information that this account belongs to me they have updated this account utilizing the information given by me to disclose Im not responsible and held me accountable which is unlawful and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have no signed contract with XXXX XXXX XXXX and the bureaus refuse to remove this collection from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: IN

Complaint narrative:
Each month I receive my FICO score with my XXXX card statement. Besides just providing my score, it provides additional insight into the five components used in calculating the score. Of the five components, Revolving Credit Utilization ( RCU ) accounts for 30 %, the 2nd most important factor, and is the basis of this complaint. 

For months now, my RCU has been incorrectly showing extremely high. I contacted XXXX to inquire, but was advised they only report information provided them by TransUnion ( TU ). They further advised I contact TU directly, and provided me a telephone number ( XXXX ). 

When I tried to submit a complaint on the TU website, I was not able to do so as their complaint process involves selecting a creditor from one 's credit report to complain against. This is not the case here ... it's not a creditor problem, it's a repository problem. I was unable to find a way on their website to complain against THEM ( TU ). Additionally, attempts to contact them by telephone were unsuccessful. No matter what options I tried, I was either provided information via automated recording, or referred to their website - no option to speak with a human. 

As shown on the first attachment, as of my XX/XX/XXXX XXXX statement, they ( TU ) are reporting my total RCU to be 80 % ( Total RCU debt of {$5300.00} ). Based on the 2nd attachment ( " Chart '' ), I believe this reported RCU to be incorrect. 

The chart shows each revolving credit account I have, the credit limit and balance for each since XX/XX/XXXX, and my RCU. As you can see, my RCU was at it's highest in XXXX ( XXXX Shopping ), and is now down to only 4 % ... NOT 80 % being reported by TU. Even allowing for a 30, 60, or 90 day " lag time '' in reporting, the 80 % they're reporting is not even " in the ballpark, '' nor is the over $ XXXX in revolving debt, almost 10x my highest amount ( mine ranged from a high of {$560.00} in XXXX, down to the current low of {$130.00} ). 

The remaining four attachments are for documentation only. Specifically, the first page of each statement is included to document the figures on my chart ( 1st attachment ). These first pages are " packaged '' together into four pdf 's, one for each month XXXX thru XX/XX/2021.

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 2021-04-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I started disputing unauthorized inquiries on XX/XX/XXXX. I never got a notification or response from the bureaus so I sent another dispute on XX/XX/XXXX. Still 45 days later I haven't received any type of correspondence from the bureaus so I have decided to dispute again today, XX/XX/XXXX as well as file this complaint.

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 2021-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 
1. I am asserting my rights under the Financial Services Modernization Act and the Fair Credit Reporting Act to " opt out '' of the following two uses of my personal information : a. You do not have permission to disclose personally identifiable information with your nonaffiliated third-party companies or individuals. b. You do not have permission to disclose my creditworthiness to any affiliate. 
2. I am further instructing you : a. Do not disclose any of my transaction and experience information to any affiliate of yours. b. Do not disclose any information about me in connection with marketing agreements between you and any other company. 
3. Please respond to me in writing stating that you will comply with these instructions. If I have not received a letter within ten days specifically denying my instructions, I will assume your records have been noted to comply with this letter. I am mailing this in a sealed envelope, and I am NOT including my social security number. I believe my name, address and account number identify me sufficiently. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I have no signed contract with XXXX XXXX XXXX and the bureaus refuse to remove this collection from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: IA

Complaint narrative:
I have no signed contract with XXXX XXXX XXXX and the bureaus refuse to remove this collection from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
There is a collection listed on my credit file that I know I do not owe, I have disputed it and requested validation and received nothing. Please help ''Conserv XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I started disputing unauthorized inquiries on XX/XX/XXXX. I never got a notification or response from the bureaus so I sent another dispute on XX/XX/XXXX. Still 45 days later I haven't received any type of correspondence from the bureaus so I have decided to dispute again today, XX/XX/XXXX as well as file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I started disputing unauthorized inquiries on XX/XX/XXXX. I never got a notification or response from the bureaus so I sent another dispute on XX/XX/XXXX. Still 45 days later I haven't received any type of correspondence from the bureaus so I have decided to dispute again today, XX/XX/XXXX as well as file this complaint.

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 2021-04-28 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: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
I settled these loans in full for deletion with the collection agency. Now, XXXX is refusing to update the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: FL

Complaint narrative:
ON XX/XX/2021 I SNET A LETTER ASKING XXXX, TRANSUNION AND XXXX TO INVISTIGATE MY CREDIT REPORTS BECAUSE THERE WAS INACCURATE INFORMATION ON MY REPORTS. TO THIS DATE THEY HAVE RESPONDED TO ME ABOUT ANYTHING. I PUT 10 ACCOUNTS FOR DISPUTE ON THE LETTER AND I HAVE YET TO GET ANY RESULTS. 

1.XXXX  XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX  XXXX XXXX ACCNT # : XXXX 3. XXXX XXXX  XXXX XXXX  XXXX XXXX ACCNT # : XXXX 4. XXXX ACCNT # XXXX 5. XXXX XXXX  ACCNT # XXXX 6. XXXX ACCNT # : XXXX 7. XXXX ACNT # 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 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
I have XXXX locked in my account and my account was closed without any explanation or email. I need access to my XXXX ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ON XX/XX/25 I SENT A LETTERS TO MY CREDIT REPORTING BUREAUS INFORMING THEM THAT I SAW MY CREDIT REPORT AND THAT THERE WAS OBSOLETE AND INACCURATE INFORMATION ON MY CREDIT REPORTS THAT WERE HURTING MY ABILITY TO APPLY FOR CREDIT. ITS BEEN 30 DAYS AND MORE AND I HAVE YET TO RECEIVE ANY RESPONSE FROM THEM. I'VE TRIED TO CONTACT THEM BY MAIL AND PHONE AND HAD NOT SUCCESS. BELOW WILL BE THE ACCOUNTS THAT ARE NOT MINE AND I HAVE NOT SEEN AND PROOF TO SHOW THAT THE INFORMATION IS CORRECT. 

XXXX. XXXX XXXX XXXX ACNT # : XXXX {$11000.00} XXXX. XXXX XXXX XXXX ACCNT # XXXX NO BALANCE REPORTED XXXX. XXXX XXXX XXXX XXXX  ACCNR # : XXXX {$15000.00} XXXX. XXXX XXXX XXXX ACCNT # XXXX {$4700.00} XXXX. XXXX XXXX XXXX ACCNT # XXXX {$2000.00} XXXX. XXXX XXXX XXXX XXXX # : XXXX {$11.00}, XXXX

Company response to consumer: Closed with explanation