vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 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: GA

Complaint narrative:
This is an identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to XXXX or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior XXXX member of this company to put it on an affidavit signed under the penalty of perjury notarized.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: GA

Complaint narrative:
This is an identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior XXXX member of this company to put it on an affidavit signed under the penalty of perjury notarized.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: GA

Complaint narrative:
This is an identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior XXXX member of this company to put it on an affidavit signed under the penalty of perjury notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: TN

Complaint narrative:
Account Name : MERCHANTS CR Original Creditor : XXXX XXXX XXXX Account Number : XXXX and XXXX Balance : {$480.00}, {$850.00} and {$580.00} This letter is a formal complaint against MERCHANTS CREDIT GUIDE, a collection agency located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
i initially had XXXX invested in coinbase XXXX app. They allow you to make deposits through ach bank and loan you the money in advance. my bank reveersed a deposit for XXXX on XXXX, XXXX PST, Coinbase completed the transaction by processing your XXXX XXXX for {$1.00}, on XXXX, XXXXXXXX XXXX, Coinbase completed the transaction by processing your XXXX XXXXt for {$350.00}, and lastly, on XXXX, XXXX XXXX, Coinbase completed the transaction by processing your XXXX XXXXt for {$500.00}, which brought your balance down to {$1800.00}. 
the remainder balance was locked in I couldn't transfer it out even though i hade paid what i owed. they said they finally released my funds on the XX/XX/2021. come to find out when the are holding my account on lock again even though I had paid I attempted to transfer out until the XXXX i still couldn't transfer out my funds. only allowed to trade. I invested again in XXXX XXXX " stablecoin '' the XXXX cents totaling to XXXX tokens. that very same day they disable the coin completely remove it from listing causing the value to drop significantly not allowing my to even access my balance than completely disappears. when it reappears in valued at XXXX my XXXX  was now XXXX and to this date I sill cant access what is left of my investment. the restricted sell buy trade and transfer functions. They responded to my with a blunt robo helper that the matter is being investigated still it been about XXXX days since. I've also reached out to XXXX as well they redirected me to your agency. This is my complaint file on XXXX : XXXX : :XXXX I am honest  man. a husband father of XXXX. I just want to recover my money. This is to disciple and evil of a rug pull they did. i know im not the only individual who got scammed. their XXXX account is full of its victims. i appreciate your support and thank you for your contribution to our communities

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
documents would be given to servicer on time and I never got notification in writing on the days of that my loan modification application has been satisfied or complete. I do recall getting emails stating to log in onto the Mr. cooper website but no document until AFTER a decision was made and this has cause a lot of harm because of the inaccuracy and untimeliness of the loan servicers employees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX # XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX Balance {$0.00} XXXX XXXX Balance {$3200.00} GROW XXXX XXXX Balance {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: KY

Complaint narrative:
Was on active forbarence plan with flagstar called to request to come out and selected the option to put missed payments at back of loan in XXXX was told I would get a letter to except offer and not to pay at this time until after letter was received them today XX/XX/XXXX received letter from a different servicer sayin they own the loan and no offer of any type was reported

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: NY

Complaint narrative:
XXXX. XXXX XXXX XXXX XXXX paid in full and should be removed /deleted. This account is posted multiple times with Equifax, XXXX and XXXX. 
XXXX. XXXX XXXX XXXX is reporting multiple times as well on Equifax, XXXX and XXXX XXXX XXXX XXXX is reporting multiple times Equifax, XXXX and XXXX. 
XXXX XXXX XXXX is reporting closed accounts ie XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: NY

Complaint narrative:
XXXX. XXXX XXXX XXXX is paid in full and should be removed /deleted. This account is posted multiple times with XXXX, Transunion and XXXX. 
XXXX. XXXX XXXXXXXX XXXX is reporting multiple times as well on XXXX, Transunion and XXXX XXXX XXXX XXXX is reporting multiple times XXXX, XXXX and Transunion. 
XXXX XXXX XXXX is reporting closed accounts ie XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX. Capital One XXXX XXXX paid in full and should be removed /deleted. This account is posted multiple times with XXXX, XXXX and XXXX. 
XXXX. Capital One Bank is reporting multiple times as well on XXXX, XXXX and XXXX Capital One XXXX is reporting multiple times XXXX, XXXX and XXXX. 
XXXX XXXX XXXX XXXX reporting closed accounts ie Capital One XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
3 facts ( XXXX report show different account name and balance ; Experian report show different account name, balance and closed ). 
Experian and XXXX have violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my Experian and XXXX credit report. Experian has a different account number and different account balance as shown here ( DISPUTED ACCOUNT XXXX XXXX XXXXXXXX {$18000.00} Account XXXX Closed ) while XXXX reported something totally different as show here ( XXXX XXXX Account Number XXXX XXXX Reported Balance {$18000.00} ). 
For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX XXXX of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. I have requested the Experian and XXXX to correct their mistake. 

I have attached Experian and XXXX reports to show the discrepancies.

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 2021-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX have never had an account with this company NAVIENT XXXX XXXX REMOVE from all credit agencies from reporting. 
XXXX means any natural person obligated or allegedly obligated to pay any debt. According to XXXX XXXX Code XXXX ( XXXX ) XXXX.This letter is in pursuing XXXX XXXX Code XXXX ( c ) Ceasing communication XXXX am the consumer mentioned in XXXX XXXX code XXXX ( XXXX ) You are NAVIENT SOLUTIONS XXXX the XXXX collector XXXX XXXX XXXX ( XXXX XXXX I am invoking specified remedies under use XXXX XXXX code XXXX ( XXXX ) ( XXXX ) as a creditor I am demanding you to terminate all farther efforts pursing to XXXX XXXX Code XXXX ( c ) ( XXXX ) XXXX am the executor under the XXXX XXXX Code XXXX ( d ) pursing to XXXX XXXX Code XXXX A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) ( XXXX ) and ( XXXX ) XXXX.According to XXXX XXXX XXXX XXXX ( XXXX ) 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. 
XXXX XXXX XXXX XXXX ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXX mentioned in the XXXX XXXX XXXX XXXX Unfair practices ( XXXX ) XXXX pursuing to XXXX ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX XXXX Code XXXX Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) ( XXXX ) ( A ) ( B ) ( XXXX ) XXXX. Mentioned in XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section XXXX ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the XXXX Code XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM XXXX REPORT : XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
The reason you use pay pal is because of buyers protection. They have proof on my account from experiencing fraud due to several flagged accounts but yet they dont close them down and they continue to let consumers suffer. This problem Im receiving with XXXX XXXX XXXX is regarding adding organic views to my XXXX channel in XXXX days. When I ordered it I put it in the pay pal msg notes need in XXXX  days. I showed proof that the XXXX views ordered almost half dropped. I emailed the company they ignored me and waited another XXXX days and they were not up so I complained to pay pal. I needed it up for a deadline and it was not there so I asked for a partial refund. Pay pal did not honor or protect me and denied my claim without proper investigation. I selected the reason full refund but I clearly said in my Notes I only wanted {$120.00} of the {$170.00}. The supervisor reopen the case with the right reason partial refund and I sent proof XXXX times that the views keep dropping. The company rushed to do it now that I put a claim in. I no longer need the views! It was for a reason a particular date my page was being judged by an award committee The company but XXXX traffic was also cursing me out and harassing via email when I said stop sending the emails. I reported this to pay pal also. After dealing with this unprofessional company they again deny my case. Pay pal is fraud! There is no buyer protection! They did not give me any credit for what I endured and I showed the proof the views dropped. They are not honoring there buyer protection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: GA

Complaint narrative:
XXXX.I have never had an account with this company RS CLARK AND ASSOCIATE XXXX, REMOVE from all credit agencies from reporting. 
XXXX.consumer means any natural person obligated or allegedly obligated to pay any debt. According to XXXX XXXX Code XXXX ( XXXX ) XXXX.This letter is in pursuing XXXX XXXX Code XXXX ( c ) Ceasing communication XXXX am the consumer mentioned in XXXX XXXX code XXXX ( XXXX ) You are RS CLARK AND ASSOCIATE the debt collector XXXX XXXX XXXX ( XXXX XXXX I am invoking specified remedies under use XXXX XXXX code XXXX ( XXXX ) ( XXXX ) as a creditor I am demanding you to terminate all farther efforts pursing to XXXX XXXX Code XXXX ( c ) ( XXXX ) XXXX am the executor under the XXXX XXXX Code XXXX ( d ) pursing to XXXX XXXX Code XXXX A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) ( XXXX ) and ( XXXX ) XXXX to XXXX XXXX XXXX XXXX ( XXXX ) 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. 
XXXX XXXX XXXX XXXX ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXX mentioned in the XXXX XXXX XXXX XXXX Unfair practices ( XXXX ) XXXX pursuing to XXXX ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX XXXX Code XXXX Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) ( XXXX ) ( A ) ( B ) ( XXXX ) XXXX. Mentioned in XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section XXXX ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the XXXX Code XXXX and XXXX.

Company response to consumer: Closed with explanation