vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-02 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:
These are not mine ; It is a FCRA violation XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1200.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX % XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1700.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Paid off : XXXX % XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$420.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX % XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  {$800.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX % XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX {$63.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX % XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX  XXXX. 
{$790.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type XXXX XXXX Paid off : XXXX % XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: NY

Complaint narrative:
On XX/XX/2020 XXXX Submitted a response to the complaint that was blurry from pages 4 to 13. No images can be seen from their collection fee that was agreed upon or ever told to the servicemember. If consumer finance can review the entire file before closing the complaint it would help everyone involved as the so called explanation is unreadable please. 

XXXX can not provide any documentation on fees. I've had the funds for some time to pay the principle and interest off but am unable to as they wish to collect a fee. 
I have constantly asked for paperwork regarding their collection fee and none can be provided. This is happening to every veteran who unfortunately defaulted on the star card. I've had the funds to pay for awhile now, however XXXX has and is continuing to charge an illegal/ unexplainable collection fee of over {$1400.00} In the attached file the response from XXXX was : " Please be advised that the account balance may be periodically increased due to the addition of accrued interest, as provided in the agreement with the original creditor, or as otherwise provided by applicable law ''. 

No where indicating a fee, followed by a unreadable/ blurry statement ( pg 4 to 13 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc.
State: MS

Complaint narrative:
This company, CRME, keeps calling my phone ( electronic message ) for an individual that is not me. I made contact with them to have them remove my number and that the individual who they are trying to reach is not at this number. They are trying to contact 'XXXX XXXX ', not sure how it's spelled. I have had this number for over a decade. They continue to have their automated system call my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/21 I attempted to transfer points from my Amex rewards account to my XXXX XXXX account and was told my account was frozen. I called and was told there was 3rd party fraud suspicion. I had logged onto my Amex account on my phone requesting the transfer. Amex told me I would have to wait at least 7 days for a review. I was trying to purchase award seats on XXXX XXXX that had just opened up and I will lose the opportunity if my points are not released by Amex immediately. No one at Amex I spoke with could find any evidence of fraud to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent over 5 letters for Experian credit bureau to remove addresses that are on file that Ive never lived and are also business addresses and they are removing 1 at a time per letter or they will just update the addresses instead of all of them and Im tired of playing mailbox.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: National Credit Adjusters, LLC
State: VA

Complaint narrative:
I have filed a dispute in regard to the inaccurate items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I was working with a private contractor for some home renovations. I received an email from the contractor asking for the down payment to be sent via Venmo. I opened the Venmo account and sent a total of {$4900.00} to the account requested. The first payment of {$2500.00} was sent on XX/XX/21 and {$2400.00} was sent on XX/XX/21. On XX/XX/21 I found out via a phone call from my contractor that his email had been hacked and I was receiving messages from the hacker and not from him. I contacted Venmo and they suggested that I reach out via the account and request the money back. Of course this did not work. They also recommended that I file a report with my local police department and have them contact Venmo and that they would cooperate with a police investigation. On XX/XX/21 I filed the report of theft with the PD. To date neither the police department or me have had any cooperation from Venmo. There has to be a way that Venmo has information on this fraudulent account and who holds it. They should at least be cooperating with the police on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I spoke with XXXX  today and they told me that they dont need proof or my signature or any documents to report negative or any inaccuracies. Pursuant to 15 USC 1681 and Title 15 chapter 94 XXXX, Transunion and XXXX are in violation of my rights and my privacy. I did not give any of these reporting agencies any permissions at all. I feel violated and stripped of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I spoke with XXXX today and they told me that they dont need proof or my signature or any documents to report negative or any inaccuracies. Pursuant to 15 USC 1681 and Title 15 chapter 94 XXXX XXXX and Equifax are in violation of my rights and my privacy. I did not give any of these reporting agencies any permissions at all. I feel violated and stripped of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
After recently signing up for " XXXX XXXX '' to try and improve my credit score ; I noticed an unfamiliar debt ; that had entered into collections. Note ; at first I assumed it was an old debt of mine, as I did have a capital one card, back in XXXX ( closed by XXXX ). 

The collection agency sent me " validation of debt '' paperwork including an account statement ; the statement did not refer to my full legal name, and was using an address I had not lived at in over 5 years. 

I recently was rejected by a bank for a loan, and she said this collection was the sole reason ; and I needed to deal with it. 

I have tried several things to get them to REMOVE THIS INVALID DEBT ; thus far to NO avail. 

I did not authorize, receive, utilize or have knowledge of this account. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2021 I WIRED Transferred {$100.00} from XXXX XXXX XXXX account to Regions Bank Account # XXXX. The same day it arrived the bank stole it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
As indicated by the attached copies of letters and mailing receipts, Credit Bureau has been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, they have not done their duty mandated under the law. Their inaction in this matter is inexcusable, and their disregard for the law is contemptible. 
Federal law requires to respond within 30 days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC. 
For the record, the following information is being erroneously included on my credit report : 1. The wrong amount is being reported. Date of opening is wrong. 
XXXX XXXX XXXX  Account Number : XXXX Please ensure that all information is accurate. I was never late. I PAID AS AGREED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account of {$3000.00}, {$3100.00}, {$540.00}, I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$3000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$3100.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$540.00} -This is not my account. 










I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 


Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Auto finance refuses to answer questions directly relating to my redemption department payment extension request in writing. They mention everything but do not answer or acknowledge questions relating to these requests. Please respond in writing and answer. 
1 ) I want acknowledgement in writing as to whether or not you received the requests? Both were federally declared disasters and the most recent the XXXX building collapse. 
2 ) Were these received and is an extension processed? 

Please answer directly the above two questions or I will continue to escalate this with every agency and complaint board until answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: AL

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery is attempting to collect a debt not owed. I asked them to produce a wet ink signature with me in contract with them. Under 15 usc 1692 ( g ) and they havent. This is a violation for false reporting. I am a consumer and the original creditor. Also under 18 usc 8 all debt are under the obligation of the United States. 
1. Send me a wet ink signature stating were in contract 2. Not a photocopied statement 3. Send me a contract where you have a right to collect 4. Prove that I owe your company a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I need to update my last name with Coinbase. I have submitted required documentation to them several times, and it has been rejected every time. My first record of this rejection was on XX/XX/XXXX ( twice ) and XX/XX/XXXX ( 4 times ). 

I submitted a help request on XX/XX/XXXX ( Case # XXXX - Got married, changed last name ) and got no resolution. The ticket was then closed by Coinbase completely unresolved. 
I submitted an additional request on XX/XX/XXXX ( Case # XXXX - Issues updating legal name ) and, after repeated requests, on XX/XX/XXXX they told me they couldn't update my name because my driver 's license is expired. It's not expired. It expires in 4 months. 

I don't know how to change my name to ensure that I can retrieve my funds. This lack of service and rejection of accurate data feels deceptive at best.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-02 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: Creditors Bureau Associates
State: GA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. I still have yet to hear any result and it has been over 60 days. I feel as though it is truly unfair and I am being taken advantage of and being ignored of my concerns and disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days, gives a reason to immediately remove these items from my credit report. Since it has been well over allotted time, they should be deleted promptly. I demand these accounts be deleted or I will file for litigation die to the stress you have caused me. My information was impacted by the XXXX data breach and may have got into hands of the wrong person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: GA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. I still have yet to hear any result and it has been over 60 days. I feel as though it is truly unfair and I am being taken advantage of and being ignored of my concerns and disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days, gives a reason to immediately remove these items from my credit report. Since it has been well over allotted time, they should be deleted promptly. I demand these accounts be deleted or I will file for litigation die to the stress you have caused me. My information was impacted by the Equifax data breach and may have got into hands of the wrong person.

Company response to consumer: Closed with explanation