vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I received a letter dated XX/XX/2022 from Comenity Capital Bank in XXXX, Ohio denying my credit application. The letter stated the reason as not being able to verify my SS # but the XXXX XXXX provided is correct so someone actually checked. I did not apply for any card with this company. I had not even heard of them and XXXX it to find out who they are. 
I tried several times to contact this bank to correct and inquire about this. Three times I could not get past the voice prompt. On the fourth call a woman said she was directing me to the fraud department. I was on hold for XXXX minutes and XXXX seconds and the call disconnected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
On XXXX I mailed out a Debt Validation Letter to Hospital Collection Services. They did not respond with the appropriate debt proof that was requested. I have never received anything in the mail. They are stating they mailed out 2 validation letters in XXXX. I have never gotten a phone call about this debt trying that they say they have tried to collect. 

Per the Fair Debt Collection Practices Act, you have to respond to my validation of debt request within 30 days. Since you didn't, you have to remove my debt from collections as you failed to provide proof. Per my letter that I mailed out by certified mail, it states : 'If you have good reason to believe that I am responsible for this debt, mail me the documents showing my responsibility, including but limited to : Assigned contract proving this debt belongs to me, A last statement or bill providing how much I owe, Proof of the last action taken on the account, And proof that you are licensed in Nevada XXXX '' None of this was provided. You need to remove my collections from all 3 credit bureaus as you have violated the FairDebt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-20 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: FL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXXXXXX PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: CA

Complaint narrative:
I contacted the company that was reporting {$120.00} debt on my credit report which is XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX they reported on XX/XX/2022. They said they no longer have my file and law office of Cobb does. At ( XXXX ) XXXX I talked to 2 ladies both hung up on me after stating I dont owe a debt and never have. The last lady name is XXXX. Cant remember the first one. They do have my file. Getting hung up on and not getting any help, I then contact the actual company they are stating I owe. I spoke with XXXX XXXX from XXXX she filed a dispute with them ( Case number XXXX ) Because I Owe XXXX balance! So I put XXXX XXXX from XXXX on 3 way with Cobb again on XX/XX/2022. XXXX confirmed I do not owe the company and there is a mistake. Cobb then took no responsibility in fixing anything and told us both to contact XXXX. I told her why when they dont have my file anymore and said contact you and your previous rep said you do have my debt file! She hung up on the 3 way call ( the day Im suppose to close on a property ) Now as XX/XX/2022 I called XXXX again and they said the same thing they cant do anything and to call Cobb! I did call them again saying I have a dispute number from the company youre representing as debt owed and I dont have a debt please fix this ; please get this removed from my credit report! My credit score was in the XXXX it dropped XXXX points and I found out on the day I was closing on a home! This has caused me so much pain and anguish and I never had the debt to begin with. Law offices of Cobb are extremely rude, and incompetent and should not be allowed to handle debt cases. This ruins peoples livelihood and lives. I do not have debts so this is really hindering my life. Traumatized is the least I can describe!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I was scammed by a company named XXXX XXXX XXXX out of {$40000.00} that I sent through crypto currency. On XX/XX/2022 I was approached by a women named XXXX XXXX ' on XXXX XXXX stating that she had joined a XXXX group that I was a part of called XXXX XXXX. She claimed that she was getting better returns from a company called XXXX XXXX XXXX and that I should check them out. She provided the companys website called XXXX  I did some research about the company but couldn't really find much online. I decided to contact XXXX 's support team and was told that funds were insured and that I would be able to withdraw at any time. On XX/XX/2022 I deposited {$900.00} into my XXXX wallet on XXXX XXXX XXXX I saw that funds were growing well so on XX/XX/2022 I sent {$1100.00} and saw even better profits. On XX/XX/2022 I deposited {$38000.00} and saw even better profits and said it was time to withdraw my funds. At that point I tried withdrawing funds but couldn't contact company anymore and that's when I new it was a scam. I immediately contacted law enforcement, XXXX XXXX, and Coinbase to report scam. I've been trying to recovery stolen money by working with XXXX XXXX and Coinbase but have had no luck. Any assistance in resolving this issue would greatly be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2022-10-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
I have obtained a recent copy of my credit report and discovered this account number XXXX. The account is UNPROVEN TO BE COMPLIANT much less TRUE, complete and accurate allegations that appear to be not in lawful compliance to reporting regulations. I understand my rights and I am serving you written notice of my consumer demand checking for your federally required proof of compliance even to the XXXX XXXX data field formatted regulatory reporting obligations of you as a specific mandate due to the XXXX enactment and implementation of the standardized XXXX sponsored XXXX XXXX Compliance rules. The Fair Credit Reporting Act dictates that any and or all accusations of debts, true or not, must be accurately and timely reported in all deferment/transfer cases. It appears that it can not be determined in irrefutable fact ( as required ) that the account in question was not handled properly. I am enacting both my consumer and my civil rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to provide me with written documentation of the deletion of this erroneous information for not lawfully compliant which obviously in question. You can be assured also that immediately I am also notifying the XXXX XXXX XXXX and Consumer Financial Protection offices in regards to this unforgivable and extremely injurious error in your clear mis-reporting of illegal mis-information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-20 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-20 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: FL

Complaint narrative:
I have filed identity thief claims and submitted all the document to show that someone has stolen my idenity with all 3 credit bureaus but the the account have not been removed and In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, has all violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I have attached the case number fand proof of the identity thief and a copy of my social and ID

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 2022-10-20 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: NC

Complaint narrative:
its a fraudulent item.that the credit agency will not remove i dont know who put this account in my name. and i never told nobody or Gave permission for my credit to be reported to any bureaus or Any companies.i have sent in Supporting documents to the bureaus. two bureaus have taken it down Experian is the only bureau Holden this false information and affecting my credit I said then FTC reports XXXX XXXX now XXXX. the account is XXXXXXXX XXXX  the account number is 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 non-monetary relief
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: AZ

Complaint narrative:
i received a collection on my credit report from a company name source receivables mng a collection agency for XXXX XXXX XXXX XXXX XXXX to XXXX ( XXXX ) and they even statement it was fraud i also spoke with the collection agency and they stated to file a police report which i did i mail it to the collection agency and have not received any information from them someone had been using my name i also received a XXXX XXXX XXXX from Illinois I made a police report out for that also and send my information over to the gas company now i have all these inquiries on my credit report which i did not give anyone permission to used my name or my credit inquiry ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX i know about this one its because my husband is a veterans and was gets a loan but they report 3 time on my report when it was suppose to be one in the state of Arizona when you married they have to run both credit i understand that but 3 time ( XXXX ) XXXX XXXX and XXXX XXXX, XXXX XXXX no phone XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) credit technologies no phone number and ( XXXX ) XXXX no phone number these are the inquiry that i did not do myself and someone is using my name could you please help my phone number is XXXX my email is XXXX and i receved a collection call from a XXXX  in XXXX in XXXX XXXX  on XXXX XXXX i need these collection remove and these inquiry off 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 2022-10-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The data furnisher failed to provide correct and accurate contact information on the consumer 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 non-monetary relief
Consumer complaint received 2022-10-20 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: NJ

Complaint narrative:
On XX/XX/XXXX, I mailed a dispute letter to Equifax via Priority Mail that they received on XX/XX/XXXX ( See attached letter with USPS receipts ). It is past thirty days and Equifax refuse to respond to my dispute letter correct ALL of their mistakes. I requestd that Equifax do the following : Disputed Item 1 Incorrect address : XXXX XXXX XXXX XXXX NJ, XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed Item 2 Incorrect address : XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed XXXX 3 Incorrect address : XXXX XXXX XXXX XXXX XXXX NJ, XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed Item 4 Incorrect XXXX XXXX  XXXX bankruptcy  discharged Reference Number XXXX Date Filed XX/XX/XXXX Correction : My then attorney advised me that a XXXX XXXX bankruptcy  would remain on my credit report for 7 years not ten years. I was wrongfully terminated at the time by the XXXX XXXX XXXXXXXX, they refused to pay my medical and prescription bills, I was hospitalized TWICE for XXXX XXXX XXXX XXXXXXXX and immediately thereafter, I was placed in the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX and XXXX. None, of the creditors listed on my credit report are listed on my bankruptcy  filing. I pay ALL of my bills on time and I am not delinquent on paying my bills Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information. 

I have listed four ( 4 ) items that I am disputing and I am requesting that they be removed from my credit report. After the completion of your investigation, would you please send me a free credit report illustrating that all of the four ( 4 ) items have been removed and please include my updated credit score. I have attached a copy of my New Jersey drivers license, a copy of my passport, a copy of my social security card and a copy of my XXXX  cellphone bill ( 4-pages ) that contains my physical address. 

I am being harmed by Equifax illegal actions and I am requesting your immediate attention in regards to these matters.

Company response to consumer: Closed with explanation