vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harley Davidson Financial Services Inc
State: NJ

Complaint narrative:
Due to financial hardship fell behind payments Kept calling more than 5+ times per day even after telling them To stop calling me Never stopped while at work while trying to rest on my days off it was very upsetting and felt threatened Also MY NAME IS WRONG ON THE FILE My name is XXXX, XXXX XXXX THE FILE IT SATAES XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is one account on my credit report and this is not my account this does not belong to me I have not applied used or know what this is for I dont own anything like this nor have I!!! I need this taken care of ASAP. 

XXXX XXXX - ACCT # XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX and I am a victim of identity theft, as i previously notified Experian. I am not a third party. and I already gave permission thru the CFPB. But as per Experian 's request, I XXXX XXXX XXXX give authorization to Experian.

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 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 

1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: NY

Complaint narrative:
as previously notified, I am a victim of identity theft. I have sent in numerous complaints.

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 2021-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XX/XX/21 my Coinbase account was hacked. I received an email that my password was changed, which I did not initiate. So I called the " customer service '' number, which was a recording asking if I'd like to lock my account. I did. I can not recieve emails from Coinbase, as it appears the hackers changed my email address associated with the account as well. So I opened another account with a new email address, filed a support claim and received a case #. I have emailed, send DMs on XXXX and XXXX, and heard nothing back, other than an email with instructions to protect my account, which I have no access too. My fear is that my identity information has been compromised, and that my funds are being stolen. There is no way to speak to anyone associated with this company. It is as if my money has just disappeared, and I am beyond XXXX out and emotionally distraught. I am being harassed by scammers as well, who are falsely claiming to work for Coinbase. This situation is a disaster and I am not being helped by anyone. I am desperate for help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-04 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Last year I discovered a false account with XXXX now owned by Midland Credit reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am a victim of identity theft. Due to the XXXX XXXX  XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Paypal i do not understand what happend with your system. 
i already received the email for withdraw my money, But the problem was after i try with the agent to withdraw the money to my account, the system limited again the account. 
So i just made one change into the account and your system blocked me again. 


i just want you help me to fix the issue with my account. 
i already explaind to you what going up, at the time when i try to withdraw the fund. 

I hope you really try to help me becouse i feel really depress with this situation. 

i upload the document and screen shot about my account. 
my email addres is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
GRAIN TECHNOLOGY INC Account Number XXXX The company does not respond to emails/phone calls or contacts on their website. I have been trying to reach this company for months to no avail. They are inaccurately reporting lates on my credit report which is preventing me from refinancing my home. This company lacks customer service. 

They are reporting a late payment despite various attempts to make contact with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04 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: NY

Complaint narrative:
as I have previously notified equifax, that i am a victim of identity theft, there are things showing on my credit report that should not be there

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: NC

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 stress 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 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Dates XX/XX/2019 Company XXXX XXXX Dates XX/XX/2019 XXXX XXXX XXXX I tried to get an account with XXXX XXXX XXXX. I could not be accommodated. There decision was based in whole or part on information obtained in report from consumer report. They recommended actions to provide adverse action form check box for Chexsystems. Action taken place is requesting all information concerning this issue. My information was impacted by the data breach hack.

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 2021-06-04 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: The Bureaus, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against a collection company by the name of XXXX XXXX XXXX. 

This XXXX XXXX XXXX continues to slander my credit by placing collection accounts onto my credit files that they never verified prior to placing these fraudulent, false accounts onto my credit files. 

As previously stated, XXXX XXXX XXXX never verified the collection accounts that they have placed onto my credit files, and they know that what they have done is unlawful. 
So now XXXX XXXX XXXX is resorting to passing off these collection accounts to other collection agencies, such as a XXXX  XXXX XXXX XXXX XXXX XXXX, etc. 

XXXX XXXX XXXX claims to have acquired the accounts from Comenity Bank, and this Bureaus Investment Group never contacted me to verify the debts. 

Last year when I requested copies of my credit reports from the credit bureaus, this is how I found out about these collection accounts being placed onto my credit files. 

Since last year I have disputed these wrongful collections against Comenity Bank, and I have also disputed these wrongful collections, against XXXX XXXX XXXX. 

And although XXXX XXXX XXXX knows that they unlawfully placed these collection accounts onto my credit files, they have refused to remove them. 

Between both, XXXX XXXX XXXX, and Comenity Bank, they are both listed on my credit files for the same wrongful collection debts, and due to this, my credit files are being slammed twice for these unlawful collections that I did not run up, nor owe. 

Both XXXX XXXX XXXX, and Comenity Bank are intentionally making sure that they maliciously destroy my credit score, and rating. 

They have both, falsified status dates, on the collections that they have placed onto my credit files, such as activity in XXXX, and XXXX. 
They have done this so as to make it seem as though these are present debts that I have acquired, and that I have recently done business with Comenity Bank, which is a lie. 

I have had nothing to do with Comenity Bank going on almost two years. All of the status information that both Comenity Bank, and XXXX XXXX XXXX are placing onto my credit files is unlawful, as well as untruthful. 

I want all communication from XXXX XXXX XXXX to go directly to the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau can contact me. 

I want XXXX XXXX XXXX and its collection cohorts, to Cease and Desist from slandering my credit, as well as harassing me, I want no contact from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: The Bureaus, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against a collection company by the name of Bureaus Investment Group.

This Bureaus Investment Group continues to slander my credit by placing collection accounts onto my credit files that they never verified prior to placing these fraudulent, false accounts onto my credit files.

As previously stated, Bureaus Investment Group never verified the collection accounts that they have placed onto my credit files, and they know that what they have done is unlawful.

So now Bureaus Investment Group is resorting to passing off these collection accounts to other collection agencies, such as a XXXX XXXX XXXX XXXX XXXX XXXX, etc. 

Bureaus Investment Group claims to have acquired the accounts from XXXX XXXX, and this Bureaus Investment Group never contacted me to verify the debts. 

Last year when I requested copies of my credit reports from the credit bureaus, this is how I found out about these collection accounts being placed onto my credit files. 

Since last year I have disputed these wrongful collections against XXXX XXXX, and I have also disputed these wrongful collections, against Bureaus Investment Group.

And although Bureaus Investment Group knows that they unlawfully placed these collection accounts onto my credit files, they have refused to remove them.

Between both, Bureaus Investment Group, and XXXX XXXX, they are both listed on my credit files for the same wrongful collection debts, and due to this, my credit files are being slammed twice for these unlawful collections that I did not run up, nor owe. 

Both Bureaus Investment Group, and XXXX XXXX  are intentionally making sure that they maliciously destroy my credit score, and rating. 

They have both, falsified status dates, on the collections that they have placed onto my credit files, such as activity in XXXX, and XXXX. 
They have done this so as to make it seem as though these are present debts that I have acquired, and that I have recently done business with XXXX XXXX, which is a lie. 

I have had nothing to do with XXXX XXXX  going on almost two years. All of the status information that both XXXX XXXX, and Bureaus Investment Group are placing onto my credit files is unlawful, as well as untruthful.

I want all communication from Bureaus Investment Group to go directly to the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau can contact me.

I want Bureaus Investment Group and its collection cohorts, to Cease and Desist from slandering my credit, as well as harassing me, I want no contact from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: MD

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 stress 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 2021-06-04 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: VA

Complaint narrative:
These arent not mine. They are fraudulent. Please remove as soon as possible. 

-- -- -EQUIFAX XXXX -- XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
After closing on a loan modification and re enstating my mortgage I began making payments as agreed with PRMG. They made a mistake and applied my first payment XX/XX/2021 to escrow. I have since been a month behind in their system. I am being negatively credit reported, and charged late fees due to this error on their part. I have called and spent hours on the phone with them a dozen times and have records of it all. They tell me They will correct the problem after transferring me through several departments, and have not done so yet. Ive requested calls back from upper management and have been promised they will call back in 24-48 hours. I never hear back. I dont know what to do I have tried every route with them to fix a simple problem.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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:
I contacted Experian to get them to investigate inaccurate, false and misleading information on my credit report. They have responded that they need to check with the data furnisher to see if what they posted is correct. By FTC Regulation all information report on a credit report must be 100 % accurate. Why do they need to now check to see if the information the report is correct. It shouldnt have been reported if they were not sure of its accuracy. They are in clear violation and in non compliance with Basel3 and FTC Regulations.

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 2021-06-04 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: TX

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
someone posted a fake XXXX XXXX number and i gave them personal information and debt card number and will charge my account at 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