vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XX/XX/2020 I started receiving account statements from SunTrust XXXX XXXX, TN ) but I never opened an account with them. Now I am receiving notices that I owe {$17.00} for processing fees ... again, I never opened the account and do not want the account. I have tried to close the account with no success.

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 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As part of an identity verification after failing to receive verification codes via text, the Social Security Administration uses Equifax for soft inquiries. SSA sent a letter to my attention with a verification code and stating that Equifax will be used, which means my credit freeze with them has to be lifted temporarily. The SSA letter has an expiration limit and Equifax 's website has been down and I can not lift the freeze. I attempted to call them and received the same answer, their system is down. How then can someone finish this process. Equifax needs to be held accountable or shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Medical Business Bureau
State: OH

Complaint narrative:
On XXXX XXXX, XXXX, MEDICAL BUSINESS BUREAU, Opened XXXX. XXXX, XXXX add a derogatory mark on my credit reports. MEDICAL BUSINESS BUREAU did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX  XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX  XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
Starting in XXXX of 2020 when I switched phone with my wife I lost the ability to authenticate my account with coinbase.com. Since then I have submitted six cases to their customer support and nothing has been done. I don't know what the motivation behind their actions or inactions are but it seems fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently learned that my creditors were reporting inaccurate information to the credit burials. I learned this when my loan officer gave me a copy of my credit report. I have been contacting with no luck in getting the problem resolve.

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 2021-01-21 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:
I reviewed my credit report in found there was an inquiry for XXXX on XX/XX/2020. 

I wrote XXXX XXXX XXXX twice disputing the inquiry an requesting them to remove the inquiry from my credit XXXX  XXXX XXXX responded saying that had no evidence of inquiry however it is appearing on my Transunion credit report. 

Please review and remove inquiry from my credit report as I did not submit an application to XXXX  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 2021-01-21 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: FL

Complaint narrative:
On XX/XX/2021 I filed a complaint with cfpb please reference complaint number XXXX. I advised you this account had been settled and deletion was agreed upon and yet equifax was still reporting. I requesting deletion I receive a letter dated XX/XX/2021 stating that equifax had no record of this account.but the account still shows on equifax. Please remove this account Ive attached the letter as proof from equifax stating they have no record of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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:
I was so stress Last XXXX I've sent disputes for the deletion of those unknown and inaccurate account on my credit report. It's almost 30 days now but I haven't received any response. I Demand to REMOVE ASAP those inaccurate and unknown accounts. or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
HELP ME, I AM LOCKED OUT OF MY ACCT!! 
I have NOT been able to get online or on my phone ( XXXX ) XXXX for several weeks, It will NOT accept my ssn it says that it exists already? I have gone thru ALL of your screens 1000s of times. XXXX. My pin isXXXX my password used to be XXXX, and my user name was XXXX my latest password was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX We have NO need to communicate, just unlock my account I CAN NOT TALK ON THE PHONE. 
XXXX GIVE ME AN EMAIL TO SOMEONE IN CHARGE?!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: UT

Complaint narrative:
I recently received a response from XXXX XXXX XXXX XXXX of another complaint. I have a few issues with this response. I've attached copies of the response. One this response thy stated that they never reported the late 's for XXXX XXXX and XXXX, I have included a copy of the account from my credit report where they are reporting the erroneous late 's. I need a deletion letter as confirmation that this will be fixed. They also included a phone number they have been trying to reach me at, this number is not mine and never has been. I've included a screenshot of my account with XXXX XXXX where you can see the primary number is XXXX XXXX  and the second is mine. I'm not sure where this number even came from, like I stated this number has never been mine. I truly feel as if these reporting are incorrect and if they would have contacted me using the information I have provided we would not have this issue. It has never been my intention to be late nor was I really aware I was late, I plea with XXXX XXXX XXXX to please remove all the late notations from my credit file.

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 2021-01-21 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: UT

Complaint narrative:
I recently received a response from XXXX XXXX XXXX XXXX  of another complaint. I have a few issues with this response. I've attached copies of the response. One this response thy stated that they never reported the late 's for XXXX XXXX and XXXX, I have included a copy of the account from my credit report where they are reporting the erroneous late 's. I need a deletion letter as confirmation that this will be fixed. They also included a phone number they have been trying to reach me at, this number is not mine and never has been. I've included a screenshot of my account with XXXX XXXX where you can see the primary number is XXXX XXXX and the second is mine. I'm not sure where this number even came from, like I stated this number has never been mine. I truly feel as if these reporting are incorrect and if they would have contacted me using the information I have provided we would not have this issue. It has never been my intention to be late nor was I really aware I was late, I plea with XXXX XXXX XXXX to please remove all the late notations from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: UT

Complaint narrative:
I recently received a response from XXXX XXXX XXXX XXXX of another complaint. I have a few issues with this response. I've attached copies of the response. One this response thy stated that they never reported the late 's for XXXX XXXX and XXXX, I have included a copy of the account from my credit report where they are reporting the erroneous late 's. I need a deletion letter as confirmation that this will be fixed. They also included a phone number they have been trying to reach me at, this number is not mine and never has been. I've included a screenshot of my account with XXXX XXXX where you can see the primary number is XXXX XXXX and the second is mine. I'm not sure where this number even came from, like I stated this number has never been mine. I truly feel as if these reporting are incorrect and if they would have contacted me using the information I have provided we would not have this issue. It has never been my intention to be late nor was I really aware I was late, I plea with XXXX XXXX XXXX to please remove all the late notations from my credit file.

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 2021-01-21 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: MA

Complaint narrative:
There is an account being reported on my Experian report from XXXX XXXX with a balance of {$570.00} that was opened in XXXX fraudulently using my name, social and my month and day of birth, however the year was changed to make me appear to be XXXX ( I was XXXX in XXXX ). I disputed this information with XXXX XXXX they agreed this account was fraud and sent me a letter stating this. They also said they would submit the info to credit bureaus to remove. Both XXXX and XXXX removed, however Experian did not. So I submitted a dispute to them XX/XX/XXXX including the letter from XXXX XXXX that this account was fraud and was to be removed. On XXXX less then 12 hours later- I received notification that they " verified the account and it remains ''. I spoke to XXXX XXXX they again told me that this account was not verified as accurate and should be removed. I called Experian and was told all I can do is resubmit a dispute- which I did XXXX and again on XX/XX/XXXX was notified of same results. This account is fraud. The company that reported this account stated it was fraud as I was a minor and someone used my info and should be removed. Yet Experian even with the letter from XXXX XXXX is not removing. Therefore not accurately reporting.

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 2021-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
To whom it may concern. This notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and VALIDATION is requested. On XX/XX/2021 you sent me a " verification '' letter, or proof of my address which is unacceptable as VALIDATION made pursuant to FDCPA, 15 USC 1692g. I respectfully request your office provide me with copetent evidence that I have a legal obligation to pay you. At this time, I will also inform you that if your office have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, XXXX ) this action may constitutute fraud under both Federal and State Laws.Due to this fact, if any negative mark is found on on any of my credit reports by your company or any company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provided the proper documantation as requested in the following Declaration, I will require 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be detrimental to any of my credit reports, I will consult with my legal counsel for suit.This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
Regards, XXXX 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 2021-01-21 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: FL

Complaint narrative:
I was so stress Last XXXX I've sent disputes for the deletion of those unknown and inaccurate account on my credit report. It's almost 30 days now but I haven't received any response. I Demand to REMOVE ASAP those inaccurate and unknown accounts. or I will file a litigation.

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 2021-01-21 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: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
On XXXX XXXX, 2020, WAKEFIELD AND ASSOCIATES ( Opened XXXX. XXXX, 2020 ) add a derogatory mark on my credit reports. WAKEFIELD AND ASSOCIATES did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax sent a letter in XX/XX/2020 Acct # XXXX Derogatory mark {$5500.00} I've sent a letter asking them to explain this debt to me as well as another letter and no follow up yet. 

XXXX sent letter in XXXX XXXX Acct # XXXX Derogatory mark {$550.00}, Acct # XXXX {$550.00} XXXX sent letter XXXX XXXX Acct # XXXX {$7900.00} I've sent a letter asking them to explain this debt to me as well as another letter and no follow up yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: WA

Complaint narrative:
I am filing a complaint against XXXX, XXXX and Transunion for continuing to allow an item that is not mine to be placed upon my credit report which is preventing from getting into an apartment in Texas to see my grandchildren. I am XXXX years old and this harassment has caused me much grief, pain and embarrassment being turned down for an apartment fir something I do not owe I have filed requests under Section 609, 611 of The Fair Credit Reporting Act and complaints under The FDCPA. Rent Debt has been reporting for over a year an item to my credit report that is not mine. I even filed a complaint with this Consumer Financial Protection Bureau and they once again verified the debt as accurate. 

Please find my notice under Section 609, 611 FCRA and FDCPA along with notarized affidavit that this erroneous debt does not and never did belong to me. The debt collector sent me one page of unexecuted lease with a fake signature of mine. 

I hope the bureau pursues this matter for the violations of all of these parties.

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