vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently discovered inaccurate and unverifiable Bankruptcy on my credit report with EXPERIAN. I did not consent to, authorize nor benefit from any of the following account attached is the identity theft report. I have asked for an investigation report and never received it. The law says this that it should be removed in XXXX days and it's been over XXXX days as you can see on the REPORT, I sent it on XX/XX/2021 and today is XX/XX/2021. I spoke with XXXX form Experian and he said he seen that the bankruptcy should be off from my documents and he was placing a note on file. 15 USC 1681-C 2 ( a ). ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 USC 1692 ( A ) ( 1 ). 15 USC 1681 ( 3 ) ( E ) ( e ) the term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information.

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 2021-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I am filing a complaint against COINBASE INC because me and XXXX other customers had their account hacked. My entire wallet ( about XXXX ETH Coins ) was drained due to this hack and it was not my fault. Coinbase should be liable for this as it is required that 2 factor authentication to access my account. Somehow these hackers were able to bypass Coinbase 's 2 factor authentication and send funds from my wallet. Again when sending funds another 2 factor authentication is required and the hackers were still able to bypass that. For the record I was not hacked, Coinbase was hacked and they stole the money from their end not mine. Because it was stolen in this manner Coinbase should be totally liable for this, it was their system that was exploited which resulted in XXXX customer hacks. Me and ALL XXXX customers deserve to reimbursed in full of the total assets that were stolen from our wallets. An attached transaction summary from Coinbase detailing the attack is attached to this email. If this is not resolved in the next 30 business days I will be contacting my attorney and filing a lawsuit against Coinbase for the damages I incurred due to their flawed system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-02 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: CITIBANK, N.A.
State: TX

Complaint narrative:
This is not my account I was an authorized user. I was removed as an authorized user in XXXX. But XXXX still shows me as an authorized user. Because this card has high utilization it is negatively impacting my credit score.

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 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
To summarize, Barclays charged me {$220.00} interest on a purchase that was not even due to be paid yet. 
My last statement on XXXX was only {$280.00}, so the interest is not on the previous balance. 
The next statement ending on XXXX showed a balance of {$15000.00} due on XXXX. 
In this statement period ( XXXX ), I made a {$12000.00} purchase. This purchase was made on XXXX, within the statement period of XXXX. 
The statement charged interest on this purchase immediately, and added an interest charge for that period XXXX before the statement due date of XXXX, or even before the closing date of XXXX. 
I have tried to resolve this several times via phone, via message on the Barclays site on XXXX, XXXX, XXXX, and via email to the office of Barclays president on XXXX, with no reply. 
I believe this is violation of the credit Card Act of 2009, and other laws governing credit card companies. 
Please help me resolve this matter. 
Thank you, M # # # # D # # # # #

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 2021-12-02 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: GA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous accounts reporting on my Credit Report : XXXX  XXXX XXXX Balance : {$220.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$43.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$70.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$3100.00} ( Original Creditor : XXXX ) XXXX Balance : {$200.00} ( Original Creditor : ) XXXX : {$97.00} ( Original Creditor : ) XXXX Balance : {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
On XX/XX/21 I call Exeter Finance to make arrangements on my vehicle. I told it not possible. If I call on 30 of last month, it would be ok. So I explain that I'm 2days later on making payments arrangements, yall not willing to help. So now I'm being threatened to get my vehicle repossessed because it charged off on their account. In state of SC, I got received letter as attempts to get vehicle. I NEVER received it. I had problems with this company since my loan with them and I'm tired. They charger additional fee if chose make payments by XXXX or other financial vendors. They lies about fees, and when set up payments arrangements to their standard it won't be in your best interest. I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax has yet to mail me a report regarding issues of wrong addresses and and personal information on my credit report Equifax every few months add wrong address or several of the same address or bunch phone number that are not my phone number and employment not updated I did not request a credit score just a complete report to see if the information been corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: SC

Complaint narrative:
During initial contact with Equifax, I disputed this account. I was sent a check from XXXX XXXX XXXX in the amount of {$240.00} issued XX/XX/XXXX which states the date of loss is XX/XX/XXXX which prove this account was paid. I have yet to receive a response from XXXX XXXX. I contacted XXXX on the morning of XXXX XXXX. I asked for the contract to be sent to me I was told that I would receive a call back. I never received a call. I contacted XXXX Certified Mail Receipt on XX/XX/XXXX for validation and a notification of disposition, waited 14 days, no response. I contacted XXXX again on XX/XX/XXXX certified mail as well regarding the same accounts. According to 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT there should be a response within 14 days regarding information referring to " collateral. '' This account is paid and has been paid, this company is reporting two separate accounts regarding these experiences. Please remove these late payment or " experiences '' from my credit report in failure to respond in the allotted time and report accurate credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The listed inquiries below are unauthorized inquiries that were not done by me. They are fraudulent. remove immediately XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020

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 2021-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Business & Professional Collection Service Inc
State: TX

Complaint narrative:
My client sent several requests to Hospital Collection Services on my clients medical debt that was reporting on her credit reports. First written request was on XX/XX/XXXX. After thirty days of no response, I see they violated my clients rights under FDCPA to request verification on information reporting on her credit reports. As there was no response, I sent a letter to the credit bureaus dated XX/XX/XXXX by mail requesting the validation of the debt. By XX/XX/XXXX neither company responded, so I decided to send a follow up letter to Hospital Collection Services letting them know that they were violating her rights under FDCPA and FCRA. By XX/XX/XXXX I received a statement that was vague with no signatures, no HIPPA release as requested by my client.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: PNC Bank N.A.
State: TX

Complaint narrative:
PNC bank just informed me that XXXX XXXX resent my {$200.00} to a closed account with PNC at XXXX XXXX on XX/XX/2021, after I just reported on XX/XX/2021 that I made a mistake. I no longer have an account with PNC and I updated my new bank account information on XX/XX/2021. 

I am not understanding why you all will not allow PNC to resend the {$200.00} back to my XXXX XXXX account per policy. This is highly unprofessional, errant, and inconveniencing. I earned this money direct deposited into my account on XX/XX/2021 via XXXX XXXX. It should not take several days to reimburse money from a closed account back to XXXX XXXX. 


Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-02 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: PR

Complaint narrative:
Identity Theft ( Fraudulent Accounts ) This list of clients are fraud or identity theft accounts : 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 non-monetary relief
Consumer complaint received 2021-12-02 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: MI

Complaint narrative:
I have sent numerous letters via certified mail disputing XXXX inaccurate item that remains on my credit reports. I have asked for verification of the account and have not been provided with that per my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
EXPERIAN XXXX XXXX XXXX -- XXXX XX/XX/21 PAGE 11 OF 12 under phone numbers has a number showing XXXX in which is a business number not my phone number Experian needs to provide proof from the cell carrier and account number as contact person proof of my date of birth contract and the cell carrier contact from them with who they spoke to date and my date of birth full legal name on the account

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 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I've requested an increase in credit card and received a deny with unclear explanation. 
My credit score is over XXXX with excellent history of the past two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX Date : XX/XX/2021 Dear XXXX XXXX Re : Collections Accounts This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 

Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 
2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
4. Complete proof that your business is licensed to collect debt in the state of Illinois. Attempting to collect a debt while being unlicensed is a crime and I will contact my attorney if this debt is not deleted. 
5. I have proof that this debt was opened and reported on XX/XX/2021 and I never received any notice about it. A Transworld Agent informed me that a letter was mailed on XX/XX/2021 meaning that you all mailed the letter AFTER the reporting. I never had any time to receive the letter or dispute the validation which is in violation of the FDCPA and FCRA. Please delete these XXXX accounts from my reports With regards, Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: TX

Complaint narrative:
This is my final attempt to have a bankruptcy that does not belong to me, remove from my credit reports. It is your failure to comply with Federal laws that states CRA 's are to report accurate, complete and verifiable information only. I have received a letter from XXXX XXXX that they are unable to locate a file on me. I also went as far as contacted the court listed on my credit file and they have told me that they do not send anything, regarding bankruptcies to credit bureaus or consumer reporting agencies and there is no such file under my name and personal verifiable information. I have attached a copy of the letter from XXXX XXXX with this complaint. You have 30 days from the date of this dispute to remove an item that does not belong to me. I am a litigious consumer and I will not hesitate to file a lawsuit against you. Please do your due diligence and removed this bankruptcy from my credit file 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 non-monetary relief
Consumer complaint received 2021-12-02 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX. XXXX XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
My HSBC account in the US was closed due to consumer deposit rules. I filed a series of complaints. I was finally informed by the bank 's relations department that I had the right to reapply for a new account, but the account opening department was because " the old account was closed. '' For reasons not to accept my new application, it is simply an unfair treatment to me. The two departments are playing back and forth, and they didnt seriously solve my problem for me. 

The XXXX team told me that the bank has the right to reject my application, and the other team responsible for my past complaints turned out that I have the right to apply for a new account. The HSBC team in the US is very confused and the information communicated is inconsistent. This is for me Said it was extremely unfair treatment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. I has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation