vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian and XXXX has continuously and falsely verified this alleged account. Both Experian and XXXX  have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board.

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. 

Also the debt collector ( XXXX XXXX ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to 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 2021-05-27 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: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity.

Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 


Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax keep denying my complaint because of Identification issues. My full married name is XXXX XXXX XXXX which is my married name. The name on my file is showing my maiden name of XXXX XXXX XXXX. I have attached a copy of my current drivers license with my name and address please update your files. Once again I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and US BANKRUPTCY COURT-XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: SC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and transunion has continuously and falsely verified this alleged account. Both XXXX and transunion have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. 

Also the debt collector ( XXXX XXXX ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to 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 2021-05-27 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: OH

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the XXXX you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My XXXX XXXX XXXX mother recently XXXX away. As the executrix of her will, I am SHOCKED at the fact that she had 21 credit cards at XXXX XXXX XXXX and on fixed income. While I completely understand her responsibility in this situation, I am absolutely APPALLED that the credit card industry - and in particular some of her creditors including this Capital One Bank - saw no problem with issuing multiple credit cards to someone in that financial situation. Where is the accountability? Where are the controls? Do they even bother to run a debt to income ratio to see whether the customer can afford yet another minimum payment? Even if you assume all the cards are small enough to only have minimum payments of {$25.00} ( which was not the case here ), that is over {$500.00} per month for someone on fixed income. And XXXX knows what the interest rates were on all these accounts. 

Now, as executrix of her estate, I am getting collection letters from a recovery agency. At the interest rates these lower level card providers like Cap One charge, my mother has likely paid hundreds if not thousands of dollars more than borrowed. And they are trying to bully her heirs into paying them more. If you are giving multiple cards to someone that can't afford them, you really ought to take the loss and move on, rather than further torture the family, don't you think? You took a risk - a bad one - by issuing all these cards to someone vulnerable that couldn't pay them all back comfortably. She had a problem - and this company ( Capital One ) and many others took advantage of her vulnerability. And oh, by the way, she died from a massive GI bleed - likely brought on by XXXX. Gee, I wonder if the fact that she didn't have enough money to pay for food because of these reckless card companies practices had anything to do with that stress? 

These companies need to be held accountable. I work in this industry and we always talk about the elderly and vulnerable being taken advantage of by individuals - who is saving them from the likes of Capital One bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maury Cobb, Attorney at Law, LLC
State: CA

Complaint narrative:
XX/XX/2021 {$860.00} Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that XXXX and XXXX  is currently in violation of U.S.C 1692c ( a ) in which any COMMUNICATION WITH THE CONSUMER GENERALLY-States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that XXXX, Maury Cobb and Associates, LLC is currently in violation of 15 U. S. C. 1692c ( 3 ) ( b ) COMMUNICATION WITH THIRD PARTIES-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate in connection with the collection of any debt with any person other than the consumer his attorney. XXXX and Maury Cobb and Associates, LLC willful violated my rights by non-compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I charged and item from Wayfair-Comenity in the amount of {$130.00}. 
On XX/XX/XXXX, I paid off this charge in full. 
In XXXX, XXXX was was billed for this item again. I have made many phone calls to both Wayfair and Comenity Bank to resolve this matter, I have a receipt from Wayfair from XX/XX/XXXX, showing this item was paid in full leaving my balance with Wayfair at {$0.00}. 

I have a letter from Comenity Bank saying, this error was corrected on XXXX/XXXX/XXXX, with the purchase posting on your account. 

I have received another bill from Wayfair-Comenity on XX/XX/XXXX with a late fee of {$5.00}. 

I called Comentity again on XX/XX/XXXX, at which time they informed me the matter is under dispute again. 

I am concerned about my credit rating at this point and am unable to get any resolution from the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX REGARDING MY XXXX  XXXX XXXX THEY REPORTED STOLEN AFTER I PAID IT OFF IN FULL TO XXXX XXXX XXXX XXXX XXXX IS TRYING TO CHARGED ME XXXX FOR A CAR MY IDENTITY WAS STOLEN AND USED TO PURCHASE VEHICLE. 
XXXX XXXX XXXX OF XXXX AL HAS I DENTITY THEFTED MY HE HAD GONE TO XXXX  IN OHIO AND XXXX IN M Y NAME XXXX XXXX STOLE XXXX FROM THEY DIDNT ISSUES ME A NEW ACCOUNT THEY CLOSSED MINE AND CALLED ME A XXXX. 
XXXX XXXX XXXX XXXX  XXXX TOLD ME ACCOUNY CLOSE D FOR NO REASON PROBABLY BECAUSE XXXX stole over 1,000.00 outta my account from academy by the account is still open and academy keeps giving me fees so it goes into the negative so they can drew me over Every inquiry on my credit report is fraudulent all 94+ of them XXXX student loans some one went to school in my name I don't have a degrees and I hate school. 
Grip my car insurance company didn't even help me with XXXX XXXX reporting me car stolen because I have all my paperwork. Grip let me report it stolen becaus basically I ca n't drive it

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 2021-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i am trying to loggin to my disputes account an other accounts with transunion only to keep getting the message that account is suppended but when i call they say they fixed it but never do i need them to fix this problem an also fix any creditors on my account i filed bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A debit appeared on my account in the amount of {$100.00} by " XXXX XXXX '' on XX/XX/2021 that I immediately disputed on XX/XX/2021 via a phone call with Bank of America. I then immediately followed up with a letter written to Bank of America Dispute Resolution Service on XXXX/XXXX/201 outlining my phone conversation as well as indicating I am disputing the charge on my California EDD benefits debit card. 

Bank of America issued a letter stating they reviewed my base and concluded the decision was correct. 

Bank of America did not outline how this decision was made and did not provide any back up documents or corroborating evidence the transaction was mine. 

Please be aware. I reside in California and did not make, authorize, approve or request someone else to complete a transaction at a vendor in XXXX, Arizona.

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 2021-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
I sent several letters asking for debt to be verified and they have not done so they just sent a group of papers saying it was from XXXX  I am currently paying XXXX XXXX a month So what could I owe. Looks like a form letter for response. They still have not answered my emails and they say this can be a amicable solution?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have a loan with SANTANDER CONSUMER USA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SANTANDER CONSUMER USA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and SANTANDER CONSUMER USA with no successful resolution.XXXX XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: NJ

Complaint narrative:
I noticed a few hard inquiries on my credit report that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
I have a loan with KAY JEWELERS, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called KAY JEWELERS and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and KAY JEWELERS with no successful resolution. XXXX XXXX  and XXXX reporting me having late payments. There was an error on their part. I was never late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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:
not mine ; FCRA : XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

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 2021-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
They have over 2,000,000 complaints so it's a bad company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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:
This account has been satisfied and it is a medical bill that should have never been reported on my credit report. It should be be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal has been holding my payment since XXXX. No reason given for the hold. They still owe me {$180.00}. I have trouble paying my bills because of this. hey have been keeping my money for weeks to get the " float '' on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
Coinbase refuses to timely and adequately investigate unauthorized accounts and transactions. A user is illegally using their services as an escrow account as a part of an elaborate fraudulent scam, but the company wont respond to email requests on their support line, nor will they take calls. 
One of their users has taken my identity and others to open accounts and fraudulently wire money into those accounts. I have sent over 30 messages through their support email the same day these funds were wired to no avail. I contacted their bank servicer, XXXX XXXX, who also had no way of contacting them and have provided information to the authorities. 
The account number XXXX Routing number XXXX is a fraudulent account using my stolen identity to wire funds into under an escrow account. Coinbase will not respond, not take calls, and cooperate with an investigation with authorities.

Company response to consumer: Closed with explanation