vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 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: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove 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 2021-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My identity was used for a bankruptcy filing, the bankruptcy is reporting on XXXX, XXXX and Tranunion as a public record. The bankruptcy filing is fraudulent. I have disputed the information several times, and the agencies say they verify this information from XXXX. XXXX uses a third-party to verify the public record which is not legal because it can't be verified through the courts, directly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: CA

Complaint narrative:
My identity was used for a bankruptcy filing, the bankruptcy is reporting on XXXX, Equifax and XXXX as a public record. The bankruptcy filing is fraudulent. I have disputed the information several times, and the agencies say they verify this information from XXXX. XXXX uses a third-party to verify the public record which is not legal because it can't be verified through the courts, directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to dispute the fraudulent account with Bank of America I am a victim of identity theft and I never opened this fraudulent account with BANK OF AMERICA Credit Card with account number XXXX opened on XX/XX/2019 and a balance of {$3600.00}

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 explanation
Consumer complaint received 2021-02-10 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: SC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 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 wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I demand : 1. Immediately correct mistake for this account and the balance is XXXX.

2. This nightmare has caused me mentally and financially suffered. My credit score went to down. This is a wrongdoing for a bank that mistreated a customer who has a good credit ( was over XXXX ) and who is a minority woman. 
3. I demand at least {$6500.00} reimbursement for the predation interest rate charged to my account plus my XXXX, XXXX and financial suffers. 

ON XXXX XXXX, XXXX Statement, Synchrony Bank under Ashley Furniture/SYNCBN Added a balance of {$3300.00} to my account. I paid off full balance of {$3100.00} on XXXX. I called the credit card company many times and they could not give a reason. Promised to call me back after investigation. They didn't but each added interest then late fee to this account. I called again same answer. I finally sent priority certificate mail letter to the bank and confirmed they received on XX/XX/XXXX. No any corresponds. I called again asking fax #, I faxed on XX/XX/XXXX. I have confirmation they received it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've written your company several times all sent out via mail. I haven't heard any word so I have no choice but to submit my complaint here about my credit report. There are false or misleading representations. There are several accounts were the payment history is not consistent and should be correct. On XXXX and Equifax it reporting different information. 
The following accounts I have did my due deligence and actually carefully reviewed my report. I feel like you guys are stalling and not properly investigating

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: FL

Complaint narrative:
I have been a victim of identity theft through XXXX XXXX XXXX in XXXX The latest being the openings of several accounts. The items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several inquiries all which have hurt my credit score that I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I ask that you recognize that the following accounts are fraudulent as a result of this breach : 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 2021-02-10 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: OK

Complaint narrative:
The credit bureau and data finders are reporting false, misleading, non XXXX XXXX compliant, information ( XXXX ) on my credit bureau. I have challenged the validity of the XXXX on my report. They have informed me that they are getting the information from third parties such as XXXX XXXX and the court house. I have sent a challenge letter with a letter from the Bankruptcy court saying they do not provide any information from third parties. I also included in the dispute letter a letter from XXXX XXXX that they deleted the fales, erroneous, misleading bankruptcy from their report. They came back and said it was XXXX XXXX that validated the XXXX ... even though XXXX XXXX said it wasnt on their report. How can you validate from lexis nexis if they deleted it? I want it removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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 — Problem with personal statement of dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
cant add interest or fees, or charges not authorized in the original agreement.Extra fees must be in the contract, A collection agency can not have false or misleading representations. This alledged debt that's on my credit report needs to be taken appropriate action to correct inaccurate or incomplete information on a credit report per the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following Inquiries in Identity theft. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent dispute letters to XXXX XXXX and TransUnion. Today is XXXX XXXX and I still haven't heard from either agency. A copy of the letter is below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Account was never late XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

2. Account was never late XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

3. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 2021-02-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent dispute letters to XXXX, Equifax, and XXXX. Today is XXXX XXXX and I still haven't heard from either agency. A copy of the letter is below. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Account was never late XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

2. Account was never late XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

3. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
COMNWLTH FIN is claiming that I owe them {$910.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I was served a summons to answer to a debt I owed at that time. The total amount including late charges and legal fees was {$2400.00}. I was given 30 days from the date of service to respond to contact the plaintiff 's attorney which I did on XXXX, XXXX and subsequently paid the amount in full also on that date. 

Plaintiff : Preserve at XXXX XXXX XXXX XXXX Attorney/debt collector : XXXX XXXX XXXX, XXXX. of Lazega & Johanson LLC Although I provided the payment information to the collector I received a letter in XX/XX/XXXX advising that a judgment was made against me in the XXXX XXXX XXXX for the same debt that I paid. I did not have a job then and could not afford a lawyer and my efforts to contact XXXX XXXX were unsuccessful. I met with the plaintiff at their office and they were satisfied that the payment was made and instructed XXXX XXXX to refund late charges to me which I never received. I thought the matter was settled until I received notice of garnishment twice which was dismissed by XXXX and XXXX XXXX XXXX. 

I recently began working at a hospital and after returning from quarantine due to testing positive for covid I discovered that my pay was being garnished for the same debt that was paid over a year ago. I had paid XXXX for legal service after the second garnishment attempt, however the failed to protect me from this dishonest collector. 

Please help me, I am already struggling with XXXX. Please help me. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have been with paypal as my credit card processing bank for 18 years. they just locked my account and wont let me withdraw my money from sales of products. We are a XXXX XXXX XXXX helping XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX. We are a very small business and I need that money to pay bills and keep the business running. 
Paypal is doing this as retaliation because they paid out Seller protection money to us. which is they're Insurance plan if you will if anything happens to the transaction Paypal is suppose to cover it under the seller protection plan they made.

a stolen credit card was used and the product was stolen from us as it was delivered and I am sure resold somewhere else. Paypal did not take the money back form us. but instead we got our account locked saying we could not withdraw money or pay for anything from our paypal account. we have over {$20000.00} in there now. 
I have called into payal and spoke to a supervisor who said they would not release the hold on the account. and that they had to act like any regular bank. I told him no bank does this. they can not with hold my money. 
they are telling us we have to give them 6 Months of bank statements from another bank. which we already confirmed with paypal when we opened the account. Paypal has been depositing the money for us everyday since 2003 into this account. we should not have to stop everything and pay the bank to give us statements that are private information to load up to paypal to get stolen. they also want 2 years of financial statements. this is ridiculous. they have no right to do that and punish us just because they had to honor their seller protection plan. 
they are telling us we cant even close our account and get our money out. 
Paypal Has overstepped its boundaries. and if need be we will complain to FDIC and our Senators also, Attorney General, And any other banking regulator. since paypal said they were a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Coinbase XXXX  put out a press release clearly stating that while trading of XXXX would be suspended on their platform XXXX would still be available for withdraw. I have sent several emails to customer support over the last 10 days and received not one meaningful attempt to help withdraw my funds. They are hiding behind " technical issues '' and indicating operator error. After reading that countless people are having the same issues I believe it safe to say it is not the latter. I'm really curious how this not theft or fraud? Coinbase XXXX  had no problem converting my USD into XXXX and charging me exorbitant fees to do so. Now that I would like to withdraw the currency I can't and I find it suspicious to say the least. I would expect more from a company looking to go public than to hold millions, if not billions of consumer funds hostage. This is a major injustice and I'm shocked it is not front page news.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've written your company several times all sent out via mail. I haven't heard any word so I have no choice but to submit my complaint here about my credit report. There are false or misleading representations. There are several accounts were the payment history is not consistent and should be correct. On Experian and XXXX  it reporting different information. 
The following accounts I have did my due deligence and actually carefully reviewed my report. I feel like you guys are stalling and not properly investigating

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