vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a Fifth/Third Bank 360 Prepaid Card. 
They run a scam on customers whenever they check into a hotel. The Prepaid Card held itself held XXXX pre-authorization fee whenever I checked into a hotel. They try to steal this fee if you are not paying attention and do not know when it returns. 
I want my XXXX back. This was not in the card contract. Misleading behaviors

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have a Coinbase.com account for my Bitcoin. I had a message saying that I owed {$200.00} for a transaction I had done when I just buy and transfer the Bitcoin so any transaction I do the money comes out right away. Even if its wrong or if Im mistaken I dont care about the {$200.00}, which they took out already, I just need to be able to unlock my account. Its been weeks and I need my money to live on I cant pay my bills. I sent dozens of messages and nothing has been done please help. Also I hope my Bitcoin hasnt been frozen bcuz it has gone up significantly and I dont want to not get the profit on my funds bcuz of them locking me out of my account and be unreachable

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08 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: FL

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( XXXX  XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Dear Madam/Sir, CFPB : I received notification of an unknown credit card that is not mine and does not belongs to me. I wrote to dispute the information as per Federal Laws dictate as a consumer. The Debt collection Company keeps calling me and keeps Harrasing and thretening me. they want me to pay them : $ XXXX..I can not pay something that is not mine and does not belongs to me. I never open NO credit card account with the original institution. This Unknown credit card its not mine. Thank you very much. Respectfully yours. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: NY

Complaint narrative:
To whom it may concern, I was looking my credit score on XX/XX/XXXX and noticed a few things were inaccurate and never authorized by me. The following hard inquires I never gave anyone authorization to run my credit. It is to my understanding to the car dealership did it without my approval or knowledge. All I know is I have no knowledge of the following and want it removed from my report. I am asking for the following items to be removed off my credit report on XXXX and any other credit reporting agency company showing this fraudulent/not accurate information which includes the following XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. I will also attach a picture showing what is coming up on my credit report so you guys see it 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 2021-01-08 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: NY

Complaint narrative:
To whom it may concern, I was looking my credit score on XX/XX/XXXX and noticed a few things were inaccurate and never authorized by me. The following hard inquires I never gave anyone authorization to run my credit. It is to my understanding to the car dealership did it without my approval or knowledge. All I know is I have no knowledge of the following and want it removed from my report. I am asking for the following items to be removed off my credit report on XXXX  and any other credit reporting agency company showing this fraudulent/not accurate information which includes the following XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX. I will also attach a picture showing what is coming up on my credit report so you guys see it 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 non-monetary relief
Consumer complaint received 2021-01-08 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: MT

Complaint narrative:
Been disputing inaccurate information on credit report for years and attempting to mediate issues with credit bureaus, debt collecting agency 's and creditors. Whenever I've requested investigation results for my disputes into these inaccuracies from any parties, I've been told by the credit bureaus that they are only obligated to verify identifying information ( such as address, ssn and birthday ), therefore nothing will be done to correct inaccuracies because reporting company is providing them with identifying information that matches up with my customer file. Alot of items on my credit report are the result of fraudulent accounts opened in my name and or accounts that have become affected by the damages of identity theft. And I'd like to resolve these issues once and for all.

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 2021-01-08 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: MD

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-08 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: MD

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am been calling for 3 weeks trying to get the rental collection information changed to XXXX and the XXXX XXXX has my rental report has put through a dispute to them asking them to correct the information - it has not been done they are not responding through the portal. I have talked to two agents at XXXX XXXX - both of them said they would have the information updated that day and respond through the portal to XXXX but it has not been done. One of the agent 's at XXXX XXXX was named XXXX. I notice this company shows the name as Experian XXXX XXXX. Experian XXXX out the account weeks ago so if they are affiliated - WHY hasn't XXXX XXXX taken care of this also? 
They hold the power by reporting incorrect information to damage a person 's life and there is enough mayhem and stress on everyone because of the pandemic, I should not have to go through this.

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 2021-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
On XXXX XX/XX/XXXX, I received a call from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating that XXXX XXXX, XXXX, CA, had sent my late husband to collections for {$280.00}, date of service XXXX XX/XX/XXXX, apparently for XX/XX/XXXX testing, which doesn't make sense to me. Since then I have received one more phone call plus three apparent hang-ups. To date I have never received even a bill from XXXX XXXX. Then I received a bill from XXXXMediCredit stating that the Creditor is XXXX XXXX XXXX XXXX -- no XXXX XXXX account number given, no detailed description of services rendered, and no date of service. I sent a letter dated XXXX XX/XX/XXXX, to MediCredit disputing the validity of their claim -- they sent eight pages of his personal information ( where is HIPA ) with no explanation for the {$280.00}. I contacted XXXX XXXX XXXX XXXX Billing myself, and was provided a billing statement that all accounts have XXXX balance, and that my late husband does not owe any bills to the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has never once sent a bill to us requesting payment nor have they ever sent me a demand letter for payment. I have received a second bill ( undated ) from MediCredit. On XXXX XX/XX/XXXX, I sent another letter to them, provided the {$0.00} balance statement, and informed them that I would be filing a complaint with the FTC/CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: GA

Complaint narrative:
XXXX XXXX credit card company issued three separate credit card accounts using my personal identity information. I have never applied for credit through this creditor. This is a clear identity theft issue, because someone is actively using my personal information to obtain credit goods. I have never shared my personal information with anyone that is close to me. 
I made a proper request to the credit reporting agencies to remove these false accounts from my credit report. Also, I expected them to open a proper validation process with these accounts, but the information of validation was never shared. 
I expect the credit reporting agencies and the creditor to share necessary information with me. 

A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account The list of fraudulent accounts is listed below. 

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 2021-01-08 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: GA

Complaint narrative:
XXXX XXXX credit card company issued three separate credit card accounts using my personal identity information. I have never applied for credit through this creditor. This is a clear identity theft issue, because someone is actively using my personal information to obtain credit goods. I have never shared my personal information with anyone that is close to me. 
I made a proper request to the credit reporting agencies to remove these false accounts from my credit report. Also, I expected them to open a proper validation process with these accounts, but the information of validation was never shared. 
I expect the credit reporting agencies and the creditor to share necessary information with me. 

A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account The list of fraudulent accounts is listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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 — Problem with personal statement of dispute
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I have reached out to BMWFS several times via mail corresponds ( attached ). I want to start off my saying Im honored to be a part of the BMWFS  family and would love to continue proving my loyalty to BMW by purchasing another vehicle. 

Having said that i have been treated poorly by BMW and Im having an issue stomaching the idea of getting another vehicle with BMW after being treated poorly. 

In the summer of 2019 i was in XXXX for an internship. I made a mistake i regret and take full responsibility for which is not setting my account on AUTOPAY. My payment was over 30 days late. BMWFS reached out to my emergency contact and he was able to take care of the balance in full. 

Ever since this incident occurred i placed my account on autopay and have not missed a payment. 

BMW  wants to XXXX XXXX XXXX for making one mistake and paint my entire account as negative. Thats unjust and not fair. Im asking for a kind gesture. We all make mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to CAPITAL ONE BANK USA agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting CAPITAL ONE BANK USA agency to remove this charge-off ( Opened Account XX/XX/2014 ) from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08 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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
I am writing in regards to my Coinbase Account. 
XX/XX/XXXX : I tried accessing my account had to reset my password. I could not get into my account after resetting my password. 

XX/XX/XXXX : I tried accessing my account again on XX/XX/XXXX and I was asked to submit my Drivers license and photo for verification purposes. After submitting these forms of ID right away ( XXXX ), I received an email that the company was unable to verify my ID information with my account. 

XXXX XXXX : I submitted my IDs again for verification and received the same response that they are unable to verify the information I supplied with my account. 

XX/XX/XXXX : I received an email from Coinbase Support XXXX and a case number was provided to me ( case # XXXX ). They say, " Our team is working hard to answer customer inquiries in a timely manner, but you may experience longer response times. '' I have read through any tips provided on the help sites to trouble shoot anything that could be related to the verification process, but have not been successful. 

Thank you for reviewing my complaint -XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my 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 2021-01-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my 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