vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 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: NV

Complaint narrative:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-03-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Franklin Credit Management Corporation
State: FL

Complaint narrative:
XXXX XXXX has been harassing me, sending me false statements since XXXX of XXXX. This was my second mortgage servicing company. 

This is past the statute of limitations and they have violated several federal consumer protection laws, including the Fair Debt Collection Practices Act and the Truth in Lending Act as well as state consumer protection law. 

I sent them a cease and desist letter XX/XX/XXXX, through email and told them to contact my attorney. They know I'm in a lawsuit with the lender ( zombie mortgage ). 

However, they are now sending a monthly false statement after not sending monthly ( periodic ) statements for 13 years. The statute of limitations in Florida is 5 years past default. 

In XX/XX/XXXX, they added an additional {$30000.00}. In XXXX, they added an additional {$10000.00}. The loan was charged off in XX/XX/XXXX and the loan holders are not entitled to interest payments stemming from the years when I did not receive periodic statements. In addition, the note was canceled in XX/XX/XXXX and reduced to a judgment. It forced me into bankruptcy since I was a single mother with low income. 

" Amendments to the TILA periodic statement rule were designed to prevent the surprise appearance of a long-dormant second mortgage together with unexpected claims for years of accrued interest and fees. ( Reg. Z, 12 C.F.R. 1026.41, implementing 15 U.S.C. 1638 ( f ) ). Under the rule, servicers must keep borrowers informed about the status of a second mortgage, including whether it has been charged-off or re-activated for collection, as well as who currently owns the loan and how to contact appropriate parties for up-to-date information. The rule requires heightened periodic statement disclosures when the loan is in arrears. TILAs Periodic Statement Rule and the Bar on Collection of Interest and Fees on Charged-Off Mortgages. '' ( NCLC ) They DID NOT do that, plus the note doesn't exist! 
Their harassment is causing me much XXXX, more financial issues, sleepless nights and health issues. They, and others like them, are harassing people who have survived the last XXXX XXXX, covid, losing many loved ones, the current inflation and they want to steal our homes. The banks caused the last recession with unfair and deceptive tactics and now they're doing it again. They hit mostly low income struggling families who can't afford to fight them and will lose their homes, health and maybe even life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX. # XXXX, has violated my rights by reporting its fraudulent, identity theft, debt buying account to XXXX, and XXXX credit bureaus in an effort, to knowing collect a debt it is not owed. I have no open accounts with XXXX, nor have I ever done business with XXXX. I have disputed this fraudulent identity theft account before in an effort too permanently remove it from my credit bureau reports. When I dispute it is removed and then put back on my credit reports again. I have requested a copy of the original credit application with my signature in which I opened any such account and I have not been provided the credit application with my signature and/or a response to my request for said credit application. 

XXXX XXXX XXXX, has violated my rights under these codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations A debt collector may use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

XXXX XXXX XXXX, has violated my rights by continuously reporting an inaccurate collection account to credit bureaus. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
Debt collector under the name ( credit management company ) put a derogatory mark on my credit score that left my credit with a XXXX points. From a debt I paid off 6-7 years ago, this company from what Ive read, does this often to people, they commit fraud. By reusing old debts paid off or by plain making the debts up. This is a fraud and a scam company that needs to be stopped not just for my sake but the poor elder people that stress just as much as I do over these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: NV

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX NV ) XXXX XXXX XXXX {$2900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$900.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-03-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The following Inquiries do not belong to me nor did I authorize them : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX/ XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: NV

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX : {$2400.00} ; XXXX XXXX  XXXX Balance : {$360.00} ; XXXX XXXX : {$2700.00} ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$4800.00}.

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 non-monetary relief
Consumer complaint received 2023-03-28 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: NV

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX : {$2400.00} ; XXXX XXXX  XXXX Balance : {$360.00} ; XXXX XXXX : {$2700.00} ; XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$4800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: CA

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : - XXXX/XXXX XXXXXXXX Balance : - XXXX XXXX/XXXX  XXXX Balance : - XXXX  XXXX Balance : - XXXX  XXXX XXXX Balance : {$990.00} XXXX  XXXX XXXX Balance : {$720.00} XXXX XXXX  XXXX Balance : {$2500.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$970.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX/XXXX Inquired on XX/XX/XXXX XXXX BANK Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX/XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX  - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$970.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$750.00} XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$990.00} XXXX  XXXX XXXX Balance : {$720.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$970.00} XXXX XXXX  XXXX Balance : {$750.00} XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$530.00} XXXX/XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXXXXXX 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 2023-03-29 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: LA

Complaint narrative:
XXXX shows I have a public record XXXX  XXXX bankruptcy I disputed this several times telling them it is not mine they wont do anything they say they verified it I asked how and they told me with the court system I keep telling them then they wont put my name right on the 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 non-monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all 3 bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in violation of The Fair Credit Reporting Act. I ask that the accounts and inquiries be investigated thoroughly and removed to restore my good credit profile.

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 2023-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I received an email from Coinbase.com that some money had been added to my account. This made no sense to me as I did not do this. I tried to log into my account and discovered my password and dual-authenication no longer worked. I then received an email on XX/XX/XXXX from Coinbase that they were aware that a third party had compromised my login credentials. I immediately contacted Conbase for assistance and it took until Monday XX/XX/XXXX before I was able to regain access to my account. It was then that I found my Coinbase account was hacked and all but a few of my Crypto currency shares were sold without my authorization. I created new password, changed authentication apps, and closed my personal bank account and terminated the link with my Coinbase account. It's been vitrtually impossible to get any help out of Coinbase. The only correspondance from them was in an email were I had to answer 9 questions regarding the situation. So, Coinbase knew of the attack, and of my losses, and evan after my implementing new security protocols, again on XX/XX/XXXX my account was hacked and the remaining shares were then sold without my authorization. It seems that Coinbase did not take any immdeiate measures proactively to guard my account nor have they be forth coming with any kind of info regarding my situation and what the investigation status is if any. The following transactions were unauthorized and I have plenty of documentation to back it up. This info has also been provided to Coinbase. 
A ) Bitcoin ( BTC-USD ) Sale reference code XXXX, shares sold XXXX, price per coin {$24000.00}, Payment method BTC Wallet , Coinbase fee {$79.00}, sub-total {$5300.00}, distributed {$5200.00}. 
B ) Ethereum ( ETH-USD ) Sale reference code XXXX, shares sold XXXX, price per coin {$1600.00}, Payment method ETH Wallet , Coinbase fee {$240.00}, sub-total {$16000.00}, distributed {$16000.00}. 
C ) Doge ( Doge-USD ) Sale reference code XXXX, shares sold XXXX, price per coin {$0.00}, Payment method DOGE Wallet, Coinbase fee {$2.00} sub-total {$85.00}, distributed {$82.00}. 
D ) Bitcoin ( BTC-USD ) Sale reference code XXXX, shares sold XXXX, price per coin {$24000.00}, Payment method XXXX XXXX XXXX XXXX XXXX XXXX, Coinbase fee {$14.00}, sub-total {$980.00}, distributed {$1000.00}. 
Thank you for your time and any assist will be egreatly appreciated. 

Regards. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found fraudulent, unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Nemours of time I have been report this Mortgages thru this portal, again one more time i have to do it since they still not respond the letters that send XXXX. XXXX, this company and FTC have been attached to my email to My loan Care LLC, please see attached docs. 
you will be found all the problem in detail that this company continued to do, breach of contract, fraud, and they refused to accept payments of the forbearance. 
I request immediate attention in this matter since they continued sending letters mentioned that they will be fix the error and i will be notified, but is not true. I had reviewed certain acts and practices of LoanCare , LLC and they continue in misrepresentation and fraud.

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 2023-03-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm a victim of XXXX XXXX and even though I've sent in documents from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  verifying I'm a victim as well as a written letter advising what information needs to be removed, they're refusing to remove it. This breaks the law that was just passed last year.

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 2023-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: NY

Complaint narrative:
in accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 Srction 604 A, section 2 it also staes a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation