vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Southwest Credit Systems XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To : The Office of Registered Agent for Southwest Credit Systems From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and the original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I realized my Suntrust checking account was being charged for XXXX transactions that are not mine. The bank declined to take any documentation from me and only wanted the dates and amounts in dispute. The bank rep suggested that someone hacked my XXXX account rather than stealing my debit card. I explained that none of those transactions are showing on my XXXX, but she would not accept the documentation. XXXX is not accepting calls and can only handle disputes for transactions showing on my account so there is not way for me to clear this with XXXX. Therefore, I reported this as fraud with my bank. They denied my claim saying I have other XXXX charges on my account so this is " consistent with my previous banking history. '' Yes, I told them up front that I have an XXXX account and all charges look identical except for date and amount regardless of the delivery location as the bank well knows. Therefore, I don't understand how that conclusion is meaningful or fair. This is not a proper investigation. XXXX has a record of whose account those transactions were made on and the delivery address. They have the info necessary to find the criminal, but are not doing so and seem to have not even spoken with XXXX about this claim. The bank manager told me today that there's nothing else they can do to help me. The most recent charges were still pending when I called. They have since posted those transactions to my account and are refusing to take it off even though I caught it before it posted. This is beyond infuriating. 

There were 13 transactions from XX/XX/XXXX through XX/XX/XXXX as shown in the attached document. I've also attached my XXXX account showing my actual transactions and you can see the ones I disputed as fraud are not on my XXXX account. 

Fraud Transactions : XX/XX/XXXX {$34.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$26.00} XX/XX/XXXX {$26.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$29.00} Total Fraud Charges : {$330.00}

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 2021-10-08 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: MD

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 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
While XXXX and XXXX have properly fixed this issue, XXXX has committed numerous FCRA violations starting with not even ACKNOWLEDGING the certified mailing disputes.

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 2021-10-08 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:
I want a account thats been fraudulent open remove

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 2021-10-08 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX is reporting fraudulent accounts that are not mine on my report. I filed a dispute in XXXX to all 3 credit Bureaus and everyone of the bureaus removed the 2 XXXX XXXX accounts from my report. It was off my report for 5 months from XX/XX/2019- XX/XX/2019 and in XX/XX/2019 XXXX put the both the XXXX XXXX accounts back on my credit report. I have tried to dispute this these accounts on my report for the pass 2 years and XXXX will not removed the accounts saying that the creditor verified the debit, they can not verify the debit 5 months later. It is against the law for XXXX XXXX to not respond within 30 days and then 5 months later after the accounts were removed to put the accounts back on my report. I have provided documentation that this was a fraudulent accounts because I was a victim of fraud and had to close my bank account because of it. Please have XXXX remove XXXX XXXX accounts from my credit report. 

Also there is a collection that XXXX XXXX has reporting XXXX that needs to be removed from my account because I have settled all debts with them. 

Also BMO is reporting to all 3 credit bureaus that I was late on my credit card payment and my personal loan. I had XXXX and was told that I shouldn't be penalized for having XXXX and BMO will remove these late statues from my 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 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
It says comenity bank on the caller ID they call after hours and call continuously. I do not owe a debt. The last time I answered I call like this I was fooled and they got my info. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
I was a victim of fraud. This situation was reported to the different credit bureau agencies and collections agencies. Last year a complaint was made to the FTC and sent to agencies XXXX, XXXX XXXX XXXX. I'm receiving from a law firm and civil court making collection efforts. The situation has been explained to by letters, callas and annoying procedures are still continuing. 

XXXX 2016, Amount : {$1900.00} XXXX XXXX XXXXXXXX2016, Amount : {$1200.00} XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX report a balance {$2500.00} XXXX report a balance {$4300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08 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:
I rarely ever check my credit report, but I recently checked it and was appalled because I have 2 fraudulent accounts that were not authorized or opened by me.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted the CRAs and my legal team and was advised to fill out an FTC Identity Theft report which I have attached down below. I also have multiple addresses that I am not associated with as well.

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 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
random inquires that have just been popping up when i have no business or account with these companies XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX transunion inquiries 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 2021-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
The car was traded in and paid for. Chrysler capital in the amount {$25000.00}. Want it remove from credit or to show paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: DC

Complaint narrative:
I wrote letters to have the alleged debt validated and it was not validated within 30 days Then, I demanded that the inaccurate reporting 's be removed from my account and they were not. In fact, the consumer reporting agency did not delete the accounts but instead reopened them and attempted to recollect. Accounts provided below : Accounts : Date Opened : Alleged Debt : US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: DC

Complaint narrative:
I wrote letters to have the alleged debt validated and it was not validated within 30 days Then, I demanded that the inaccurate reporting 's be removed from my account and they were not. In fact, the consumer reporting agency did not delete the accounts but instead reopened them and attempted to recollect. Accounts provided below : Accounts : Date Opened : Alleged Debt : US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08 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: TX

Complaint narrative:
I have contacted and disputed the Public record Chapter XXXX Bankruptcy on my credit report several times with Transunion and XXXX and they have refused to remove the fraudulent inaccurante information on my credit report. 
None of my information matches the bankruptcy. I have submittedall documents to the credit bureaus and they still refuse to move the information. I have called daily for 3 months and still they refuse to help me. Also I have no accountson my credit that are negative that the bankruptcywould be attached too.Please help me resolve this urgently. I'm applying for a SBA loan to help my XXXX survive this COVID nightmare. 

XXXX has deleted the bankruptcy XXXX has deleted the bankruptcy

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 2021-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
XX/XX/2021 my phone started to receive text messages stating my login code. I then received a message from XXXX  stating thank you for being a new customer. Soon after I found out that my Coinbase account was being hacked. I find out that the $ XXXX invested was removed and I now owe the company {$5000.00} and I have no balance. 

This was due to a sim-swapping hacker and I can not get Coinbase to inform me of multiple transactions or return my investment. 

Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MiraMed Revenue Group LLC
State: MS

Complaint narrative:
on XX/XX/2021, i sent a letter to MIRAMED REVENUE GROUP , LLC about an alleged debt of XXXX that I do not owe.i requested the validity of the debt on XX/XX/2021 and haven't received anything as of XX/XX/2021. MIRAMED REVENUE GROUP , LLC sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter requesting the validity of the alleged debt of {$180.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, MIRAMED REVENUE GROUP , LLC has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, but they also failed to send it within 5 days.As you can see the date was XXXX and today is XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I applied for a credit card with Barclay as a result of seeing it on the XXXX website, thinking it indicated XXXX endorsement. After a considerable amount of time ( several weeks ) when I never heard back from Barclay and reached out via phone I spoke with someone who gave identification as " XXXX '' - and ID " XXXX '' who referred me to a website that merely stated I had been turned down. I asked for the rationale and was told it would come via letter, and when I asked to speak to a supervisor, my request was turned down ( rudely ), and I was told those who are turned down can not speak with any other representative in the company. Having worked for more than 50 years, I found that unimaginable but my request was denied several times. 
In the intervening week since that encounter I still have not received " a letter '' indicating the reasoning, nor an email. I checked my credit status with XXXX and have exceptional credit rating, so I am extremely frustrated, confused and resentful that I shared extensive personal financial information during the application process and now have received an abrupt rebuff with no rationale nor individual with whom to speak. 
I reported all this to XXXX, received a case number ( XXXX ) from them and explained that I still have no information from either source of the problem. The representative from XXXX just repeated they have no information. I tried to reach out to the CEO of XXXX ( XXXX XXXX XXXX ) and have prepared a letter to be mailed because there is no phone number nor email listed for her on their website. and will mail a receipt- requested letter as soon as I can get to the post office pending covid considerations. 
Thank you for your assistance in this matter. I appreciate any help or guidance you can provide.

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 2021-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: MO

Complaint narrative:
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and XXXX XXXX. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
CKS PRIME INVESTMENTS, LLC  XXXX XXXX XXXX XXXX XXXX XXXXHAS PLACED A COLLECTION ON MY TRANSUNUON CREDIT REPORT AND SENDING ME NOTICES IN THE AMOUNT OF XXXX  THE COLLECTION IS BEING REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE

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 2021-10-08 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: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE MANA Original creditor : XXXX XXXX amount {$530.00} opened XX/XX/XXXX closed XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX amount {$520.00} opened XX/XX/XXXX closed 90 days later Acct # XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX amount {$770.00} opened XX/XX/XXXX closed 90 days later due to non payment Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I noticed some inaccurate information on my ChexSytems report that needs to be deleted for inaccuracy and unverifiability.

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 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation