vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
There is a past due balance reported on a closed chargeoff account. 
CAPITAL ONE # XXXX All 3 credit bureaus not reporting accurate balances. FCRA rules state all 3 should accurately be reporting across the board if it was recently investigated. 
High Balance : XXXX {$12000.00} EXP {$0.00} XXXX {$12000.00} They are reporting multiple CO remarks to my payment history after date of last activity. 

All 3 bureaus also failed to update the Creditors Remarks Section to being investigated I am attaching a copy of my most recent credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Credit report showing an account I am not an owner of. 

JP Chase Morgan bank Credit card was opened on XX/XX/1994, I was 7 years old at the time.

Chase bank has no information on the account and nothing on their end shows any such account associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: NY

Complaint narrative:
To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( Credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information, you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: CO

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: NRA Group, LLC
State: RI

Complaint narrative:
XXXX XXXX says that I owe them money and have reported it to the credit bureau. This is not true I never had an account with XXXX XXXX and somebody used my 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 2022-03-08 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: DC

Complaint narrative:
Transunion has ignored my request to delete inaccurate information from my consumer report. I am consumer by law and my request to delete the inaccurate information has been ignored by Transunion. They have violated several consumer laws against me. And has caused me financial hardship, by reporting inaccurate 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 non-monetary relief
Consumer complaint received 2022-03-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$890.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$380.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$1800.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$160.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, DO : XX/XX/XXXX, Amount {$160.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$240.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$950.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2022-03-08 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Seterus which is now controlled by Mr. Cooper refuses to provide information requested. In addition, they will not return phone calls. To make things simple for the CFPB for which I believe is in cahoots with Mr. Cooper because of financial gain. Seterus filed a false entry in 2015 and Mr. Cooper refuses to provide detailed information or return phone calls, and names of people that they say in their letter that verified. Please read the attached document which includes complete detailed information that has taken me many hours to compile because CFPB is in partnership with Mr. Cooper. My only remedy left is to take legal action which I can't afford due to the fact I'm a XXXX XXXX XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$890.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$380.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$1800.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$160.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$160.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$240.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX  XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$950.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2022-03-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$890.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$380.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$1800.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXXXXXX XXXXXXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$160.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$160.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$240.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX  XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$950.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-03-08 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
XX/XX/XXXX my laptop has hacked/compromised by people claiming to be XXXX and to assist me restoring my internet connection ( which had gone down ). They knew my internet was out and gained remote access to machine ( via XXXX ) with the claim that my network was currently insecure because of hacking and claimed to show me evidence of this. They gained access to my coinbase account. 
Several transactions occurred before I reported them as fraud to my bank ( after they texted and called with suspicious activity ) and stopped payment. Reported fraud to coinbase.

In addition to the impersonation/fraud/theft ( reported to FBI via iC3 ) I have large concerns as to how Coinbase handled this after payments were stopped for fraud. 
Of {$19000.00} stolen, {$5000.00} was blocked as incomplete transactions - but Coinbase demanded I complete the payments and sold my other crypto assets to cover " their loss ''. 

Rough sequence : 1. Unauthorized access to my account.

2. Fraudulent activity starts.

3. I try to block transactions, several already completed.

4. Bank cancels cards and blocks my bank account as bank contacted to report the obvious fraud.

5. I lock my coinbase account and report fraud.

6. Incomplete transactions exist.

7. Coinbase sends funds for those incomplete transactions, even though all my payment methods were blocked.

8. Coinbase sent the funds without my authorization or access to my funds.

9. Coinbase reimbursed itself for the Incomplete transactions by using assets- even though they were rejected as fraud.

10. Coinbase restricts my account and sends demands for payment.

11. Escalation of complaint attempted, but coinbase is no longer responsive. I understand that the initial completed transactions have " gone '' and there may be nothing that can be done to retrieve these from the criminals who hacked my machine and carried out the unauthorized transactions, but the actions of coinbase are disturbing for all the transactions that were stopped. They basically aided and abetted the fraud/criminal activity by forcing me to pay for the money they chose to send once I attempted to prevent further fraud and loss. From the reading I have done since I was a victim of this theft/fraud it seems coinbase has a reputation for not acting correctly in cases like this where their customer account is compromised and coinbase " sides '' with the criminal activity not it's customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted PHH mortgage to notify them that I had paid XXXX 's property tax, and request them to de-escrow my mortgage account. 
On XX/XX/XXXX, they decided to send in the payment to our country 's tax office ( according to their email communication, they shall not send the payment until about a week before the final due date ( XXXX XXXX, XXXX ) ). 
They also asked to submit a de-escrow request via mail. They claimed they initiated a request for a refund from the XXXX country 's property tax office. 
In the past three months, I have followed up with them several times. They always say they just sent in the refund request and asked me to wait for their follow-up, which never happened.

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 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I received a letter from Jefferson Capital debt collector XXXX XXXX in regards to a debt from XXXX. It wasnt even addressed to the correct name. It was addressed with my maiden name and I've been married since XXXX. I called and disputed the debt because I don't remember owing the original creditor. I received a letter XXXX XXXX stating they would not be notifing the credit bureaus about the debt. Even if this is a legitimate debt it is way past statue of limitations. Isn't this illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
Loan was paid off in full with an additional overpayment of {$490.00}. Santander bank, who was the lender, uses a third party to issue refund. XXXX is the 3rd party. They issued a prepaid card. When received i called and requested check be sent. XX/XX/XXXX first call. Had not received by XX/XX/XXXX. Calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and today XX/XX/XXXX. They said check was issued twice, never received, called back and told them i want deposit to account. On XXXX was told money would be back on card on XXXX and i could transfer on line to my acct. Money not available on card on XXXX and called and was told it takes 5 business days to get back on card. Told the reason was due to refund program of their system. I requested check due to restrictions and spending requirements with using card. This bank should have never allowed a refund to be sent thru XXXX party much less restrict how i might chose to spend MY money. Santander should have refunded to the acct on record or mailed check to address on file. There should be absolute repercussions for any business treating customers this way. Just horrible business practice and would never advise doing business with santander bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
requested a line of credit for my bussiness that has been in operation for 4 years subsequent to being misinformed for years that i could not establish 1 prior to this i asked would this involve my personal credit i was informed it would not be which was not the truth i was in the process of purchasing a home my credit had just been adequate enough for a home loan a major set back

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 2022-03-08 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: NV

Complaint narrative:
The credit reports say I was late for a payment on my account in XX/XX/ 2020 which is incorrect and the credit company says I was current. This is affecting my score and my ability to qualify for new lines of credit.

Company response to consumer: Closed with explanation