vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 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: Early Warning Services, LLC
State: MD

Complaint narrative:
I XXXX XXXX XXXX is writing you to inform you that you are in violation of the 15 U.S.C. 1681a ( d ) ( 2 ) ( B ) any authorization or approval of specific extension of. Credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card in 15 U.S.C 1602 ( I ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. You are in violation of 15 U.S.C.1681n ( a ). any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/2012 {$54000.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
the credit bureau is reporting this collection as an " OPEN ACCOUNT '' which it is not under FCRA compliance. This is inaccurate reporting and needs to be deleted immediately. 

collection account on my credit report is XXXX XXXX FOR {$630.00}. 

This is being reported incorrectly as an open account. I need this removed and deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I noticed my amount due never got much lower so I started to review my statements and found a recurring {$95.00} charge on my statements, called XXXX XXXX. 

I immediately called Citibank who directed me to XXXX XXXX division and the agent was very evasive, told me I signed up for it and they would not refund those fees ( which amount to thousands of dollars at this point ). 

She also said she would send me proof that I signed up, which of course I never received because I never signed up for this. 

After doing some digging, I discovered that this exact product/service was part of unfair and deceptive credit card practices that Citibank got sued for and lost in 2015.

If this has been on my account since prior to 2015 ( which it has ) then I should be refunded. 

Thank you for the help, I feel I have been taken advantage of and victimized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I sent a letter XX/XX/21 and no response from the company ( LVNV FUNDING LLC ), I sent the actual letter the I received from credit XXXX XXXX letting them, know that I was not liable for the account because it was open due to identity theft. No response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: CA

Complaint narrative:
've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-01-05 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: FL

Complaint narrative:
XXXX and EQUIFAX- XXXX XXXX XXXX and XXXX inquiries RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
{ dispute_item_and_explanation } under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
Duvera Financial has been reporting my account as past due monthly although this account is in the collection phase. I have complained previously about predatory lending practices such as excessive calls and being harassed about a debt that I did not agree to. The interest rate and continuous fees were not explained to me properly and I feel that this lender should not be in business. The bill of {$1500.00} has ballooned to over {$7000.00}. In this climate, those fees are ridiculous. In addition, the account is being reported as open and past due with is incorrect. Please remove this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have received a notification on my credit report of a collection report that negatively effected my credit. The company has never reached out in regards to the account nor did i have any knowledge of the account. I called the company ( midland credit ) and provided me minimal information regarding the account and demanded I pay first before they explain anything. I offered to pay the full amount if they removed the negative regards on my account, since I had zero knowledge of the account. I never received any letters or phone calls. They refused to show me proof of ownership of the account and what the original amount was. Got a rude response and very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I received XXXX letters dated XX/XX/21 and XX/XX/21 from XXXX XXXX XXXX. Both letters stated that charges in the amount of {$190.00} would be automatically deducted from an account ending in XXXX. I do not have any accounts ending with these numbers and I have not made any purchases from XXXX XXXX XXXX. I called XXXX XXXX XXXX and the representative told me that this is for furniture that was purchased at XXXX XXXX furniture in XXXX, GA. I called XXXX XXXX XXXX and spoke to XXXX. He looked up my information and told me that approx {$2600.00} of items were purchased at the store using my name and social security number. My prior address was used. The phone number used was not my number XXXX and the email used is not my email XXXX. I was also told that the sales person who made this sale is XXXX XXXX and he no longer works for this store. 
After several weeks of phone calls and sending letter to XXXX XXXX XXXX ( XXXX Identity Theft Affidavit along with FTC ID Theft Report and Police Report ) has yet to remove inquire from my credit report and have now started to report this account past due balance on my credit 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 explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. After reviewing my consumer report, I noticed that there was a collection account on my report which I did not authorize ( XXXX XXXX ). On XX/XX/2021, Experian deleted this collection account from my consumer report which I disputed ( See Deletion Page Attached ). A DELETION is ADMISSION of violating the consumer. The following laws were in violation of my rights as a federally protected consumer under Title 15 Chapter 41. I never gave written instruction for Experian to furnish this collection account to my consumer report ( 15 USC 1681b ( XXXX ) ), therefore, for this collection account to be reported, it was identity theft. Experian also allowed XXXX XXXX to have access to my consumer report without my permission or consent which is illegal pursuant to 15 USC 1681n ( b ). With an initial investigation not being completed by Experian ( before furnishing the information ), this collection account should have never been reflected on my consumer report pursuant to 15 USC 1681a ( XXXX ( b ) ), which states a collection account should be excluded from a consumer report. In response to the review of my consumer report, I have sent Experian a correspondence on XX/XX/2021 which included an Affidavit of Truth, invoice, and supporting documents which they received on XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Allied Collection Services, Inc. (Nevada)
State: NJ

Complaint narrative:
I had a collection appear that I wasn't familiar with. Investigation proved that it was a XXXX  account that was being utilized by my cousin, that I did create but never had a problem with, and he passed away. His wife used the account for a year and when she couldn't modify the account she let it go and did not advise me. Allied Collection assumed the collection. I contacted them and explained the situation and they were understanding. On XX/XX/XXXX @ approx. XXXX XXXX I spoke with XXXX who stated that the collection would be removed in 30 days. XX/XX/XXXX the collection was still posting so I called @ approx. XXXX and spoke with XXXX who stated that it would be removed in 30 days and well send you a deletion letter within the day or next morning to my email. XX/XX/XXXX @ approx. XXXX XXXX  and spoke with XXXX, who stated they sent it to the wrong email, Ill receive the letter by the end of today or next morning. Today XX/XX/XXXX I still have no deletion letter and for some reason the phone number is going to voicemail. I'm unsure of the operating hours, but it was XXXX XXXX. I have no trust that this company will delete the collection or send me my deletion letter so that I may dispute the collection myself. Please help. I attached notes and the Credit Report page showing the collection

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: CITIBANK, N.A.
State: FL

Complaint narrative:
They claimed i have to wait the 2 years even tough i didnt authorize the credit pull

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
They claimed i have to wait the 2 years even tough i didnt authorize the credit pull

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XX/XX/2021, she stole my wallet out of my plains I got paid on XX/XX/2021 of {$710.00}, and XX/XX/2021, of {$26.00} that's a grand total of {$730.00} taken out of my account. Then she stole my phone on XX/XX/2021 and erase my whole life. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  my Chime Account were chime bank saying they can't help me. Stole my mother 's Social Security card that I have of my mother that pass away XXXX yrs ago from XXXX. my twin sister 's social security card. She stole my life and erase it. this needs to be filled out now stole my life and erase all my accounts. In the phone information of my probation officer info and father 's right info of photos and videos of her being an unfit parent. took my wallet and erase my life this needs to be done asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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:
Just pulled up my credit report and still a lot of negative accounts on my name. Why you keep posting this information, its not mine. I m sure that someone have my personal information. I dont understand how I can delete those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
My name is XXXX XXXX my account # with Hyandai financial is # XXXX Hyandai fiance violated SCRA I have on several occasions called Hyundai financial to ask for assistance. I have unfortunately been a victim of identity theft. This effected my ability to pay for my bills. I tried to coordinate with hyandai financial so I could utilize my identity theft insurance. This would have covered my car payments. Unfortunately this never happened. When a customer is late your system automatically directs them collection department. I was never asked to send over my Court order and or police report. Even when I asked for a fax number so I could send the documents over. The collection department does not provide customer service. When I requested help I was repeatedly asked for my card number to pay the bill. Due to the identity theft unfortunately a lean/ Writ was placed on my checking accounts. The lean/writ were recently removed from my accounts on XX/XX/2022 due to my court order. This was the reason we had issues with paying the bill. Hyandai financial wronggully repossessed my car while we are also covered by SCRA. Hyandai did not obtain a court order to obtain my vehicle. The town truck company came on my mothers private property to repossess the car. have provided my husband 's the orders below. He's been XXXX due to COVID-19. He's also XXXX, although our SCRA coverage is active 90 days before active status and 180 days afterwards. Please contact me at ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: OK

Complaint narrative:
XX/XX/2021 I set up a Coinbase XXXX  and purchased XXXX  and XXXX XXXX, I subsequently tried to sell the XXXX and XXXX XXXX a few days later. Coinbase XXXX did not let me sell the XXXX XXXX as they were " Unable to Determine Fee ''. I tried to sell the tokens for several days, and then filed a complaint with Coinbase that I could not sell the XXXX XXXX asset. They provided several steps to try and rectify the issue, and I followed their instructions, but the problem persisted and I was still unable to sell. The value of the asset dropped from around {$13000.00} when I tried to sell, to a current value of {$5500.00}. 

Additionally, XXXX suggest I transfer my XXXX XXXX assets to a different digital wallet provider, essentially removing them from any responsibility to pay reimburse the lost {$8000.00} due to their system error ( I have this in an email from them ). Throughout this troubling process, I could always purchase more XXXX XXXX if I wanted, but still couldn't sell any, which certainly looks extremely shady on Coinbase 's part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This account is inaccurate and an FCRA violation. COMENITYBANK/XXXX  # XXXX. The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History are all inaccurate in the XXXX and XXXX. Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief