vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this 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 2021-07-12 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
Heartland ECSI received my validation of debt letter specifying I want direct verification of the alleged debt they say I owe. I requested to have the competent evidence of said debt and validation under penalty of perjury and as allowed by law, I also asked them to provide me additional evidence including proof that they are licensed to collect in the state of my place of abode. Heartland ECSI did not provide me direct verification or proof that sufficiently satisfies their claims. Instead, Heartland ECSI sent me deceptive forms violating 15 USC 1692j ( a ), and also claimed that they are not a debt collector subject to FDCPA. This is false because pursuant to 15 US Code 1692a ( 6 ), a debt collector means any person who attempts to collect, directly or indirectly, debts owed, therefore Heartland ECSI are not exempt from complying with the laws with respect to debt collection practices. 
I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. A 2nd notice for Direct Verification, Affidavit of Truth and a Rescission of Signatures notice has already been provided to Heartland ECSI. Pursuant to FDCPA and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator. 
Not only the allege debt is still not directly verified, Heartland ECSI has committed several federal violations against me, a Private law abiding Federally Protected Consumer, for which I am entitled remedy. 
Heartland ECSI must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : 1. Reimbursement of all prior compensation applied 2. Amount owed to me as stated in the Bill of Particular ( s ) in the amount of {$96000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: The Bureaus, Inc.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be remove from my credit report asap.

1. Identity Theft SANTANDER BK Account Number : XXXX  This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

5. Identity Theft 08 XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-07-12 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: VA

Complaint narrative:
I'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I was only aware of the company today XXXX XX/XX/XXXX XXXX as they re ported a collection to the credit bureau XXXX. I didn't know who they were and why they were saying they try to collect from me. I had the same address until XX/XX/XXXX and still have the same phone number I have had for over 20 years. No correspondence from this company or anyone else they claim to represent XXXX XXXX  XXXX XXXX XXXX. I called the comopany to find out who they were and what they wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
The below email was sent to Coinbase on XX/XX/21. 


On XX/XX/21, I received a text message from XXXX indicating that my Coinbase password has been changed and to call XXXX to automatically lock my account if I did not do this. I immediately called such number and followed the automatic prompts to lock my account, as I did not, not attempt to, change my password. Immediately after successfully locking my account, I created my first of nearly 10 support tickets which have since been created, dating from XX/XX/21 until today. The support ticket case numbers are : XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 On XX/XX/21, I received my last correspondence from Coinbase, which was an email stating that all my cases were consolidated to case # XXXX and that I will be contacted after a review, which generally takes 4-5 business days. 

Such time has clearly passed, as today marks 1 month with no response from Coinbase. 

During such time, I have tried the following : 1 ) unlocking my account, and 2 ) changing my password ( which was successful, however, upon trying to sign in, I am being required to enter a two step verification, which requires me to enter a verification code sent to my phone number. However, the last 2 digits displayed on the phone number the code being sent to do not match my phone number, nor any number that I am aware of ). 

I am now stuck with no response from Coinbase, no way to contact Coinbase, as there is no telephone support, and absolutely no idea what to do next. 

My account has large holdings in XXXX and XXXX, which were valued at over {$6000.00} the last time I checked, which was right before I lost access to my account on XX/XX/21. 

During this past month, Ive had no ability to buy/sell or trade on Coinbase and have lost ample opportunities to use my money as i see fit, which could have rendered my account having well over {$6000.00} even. Having such ability and access was well within my right as a customer. 

I am requesting immediate access to my account, as well as an explanation, as at this point, I have no idea if my account was compromised with all money being taken out, if my account has been improperly used, or if my account is locked. 

In any of the above situations, My damage has been severe and continues with each day that passes with no response or explanation. 

Since sending that email Ive received 2 emails indicating I would hear back in 20 business days. I have not received a response. There is no phone support for me to contact either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: United Resource Systems, Inc
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MD

Complaint narrative:
Stillman Law Offices says I owe {$670.00} to XXXX XXXX XXXX XXXX XXXX. They have a court hearing scheduled as well. I have not received any full information about this {$670.00}. I do not know where this account is from. However, my first response was - went to call them ASAP to know what is this claim about, but it directs you to their site to settle the payment. And so I did, I submitted my payment plan on their site. But, I did not receive any call or confirmation. So, months later, I called again and their system is the same, it directs you to their site. This time, I emailed them to ask more about this claim, but as of today, I still have not received any information or phone call from Stillman Law Office. I think this is a scam and Im a victim of their false credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glass Mountain Capital, LLC
State: FL

Complaint narrative:
The company has responded to the debt verification via letter/email that I received on XX/XX/2021 but the information they sent still does not validate the debt as being mine. The email address shown on the response, XXXX, the phone number listed XXXX XXXX XXXX XXXX and the address, XXXX XXXX XXXX XXXX, XXXX XXXX have never been associated with me or anyone in my family. Ive looked up the address that was shown and it looks to belong to a XXXX XXXX. 

Please have the company do a deeper dive on the debt and remove from my credit immediately. If there are further steps to take on my side, please have it expedited as this is not my debt and is dragging my score down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Commenity Bank I have for XXXX XXXX XXXX  and others. They were great then the virus hit. They mark on credit report late payments all year ( workforce was shut down ) so I began paying again. Asked the fix credit was turned down. I payed my XXXX XXXX off they turned around and closed it due to lack of use. HELLO no stores opened last year. Customer Service calls 3 times a day sometimes past XXXX ET for a payment. Just got off the phone with some guy telling me he wants to take me to court because I paid {$40.00} and not full amount Seriously this is totally harassing customers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX. My wife and I are XXXX and XXXX respectively. We are currently XXXX XXXX customers with XXXX XXXX  XXXX ( XXXX ) and have been faithful customers for more that 30 years. Up until XXXX of XXXX our credit rating had been in the mid to upper 800s. However, in XXXX of XXXX we received a letter from XXXX stating that our credit rating was now in mid 600s due to missed payment in XXXX and XXXXXXXX XXXX 
As a result, our credit limit on our XXXXXXXX XXXX XXXX went from {$14000.00} to {$3000.00}. Although the minimum payment was {$43.00} per month we paid {$200.00} each month. I want to add that in XXXX of XXXX I underwent a XXXXXXXX XXXX  and in XXXX XXXX XXXX  my baby brother XXXX  from a sudden and XXXX XXXXXXXX XXXX at the age of XXXX. 
We consider these extenuating circumstances ( as well as I accidentally unchecked mailed bills on bank setting ) that resulted in our being late on these payments. 
I contacted a Vice-president of Complaint Resolution for XXXX in XXXX of XXXX by the name of XXXX XXXX XXXX XXXX and explained our situation. My request to her was to consider our past reliability of ZERO late payments to XXXX for ANY accounts for our entire history with the bank as well as the above mentioned XXXX and XXXX in the family events. We wanted our credit limit on our travel card and our superior credit rating returned to their previous levels. Unfortunately, this request has been denied by XXXX. This was not a satis My wife and I are appalled and disappointed that even during a pandemic and with life changing events as noted above, that a banking institution, that just recently in an email thanked us for being XXXX XXXX  members, could not make a special allowance to restore our exceptional credit history and financial reputation. 
Is there anything that you can do to help us in matter?

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 2021-07-12 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: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be remove from my credit report asap. 
1.  Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be remove from my credit report asap. 
1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation