vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 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: IL

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 719tXXXX 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 XXXX 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now

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 2022-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase XXXX allowed me to deposit into my account with them the virtual currency USDT. When I went to find the deposit in my account there is no USDT. Though XXXX I discovered NY residents are not allowed to use nor hold USDT. So although they allowed me to transfer to their platform they are not providing me with access to the funds. They're just keeping the funds with no recourse on my end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This complaint to EXPERIAN was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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:
Series of hard inquires that I did not authorize by a shoddy car dealer

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 2022-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P.
State: AR

Complaint narrative:
XX/XX/XXXX, A phone call was placed to LTD Financial Services in dispute of a debt collection in amount of {$13000.00}. Representative stated that all my information matched and said that the account is with XXXX XXXX or XXXX. I asked Representative how they obtained my current address and they stated, It was on the application when you applied back in XXXX. I did not live at this current address during XXXX so that is false. I asked representative in regards to this account who was I supposed to pay. Representative states You pay us, So how much are you going to pay on the account today. I answered Nothing. I ask Rep for a copy of the recorded phone call and he replies We dont give copies etc. Representative then states well we have to get the information to prove this is your account, we shave to establish that this is actually your account. Representative said this was for an auto XXXX in which, I do not have. Call ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: E Mortgage Capital, Inc.
State: CA

Complaint narrative:
I was locked into a 3.875 % rate for my loan on a second home I am purchasing, with a close of escrow at XX/XX/2022. The lender updated me that my loan did not meet QM compliance and that because of XXXX XXXX Guidance, they have to change my rate to 4.625 %, and that I would have to pay points towards that rate. I am attaching a copy of the loan information and disclosure that I am seeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: TX

Complaint narrative:
More information regarding CFPB complaint ; XXXX Refer to the documents attached Ive submitted my FTC complaint XXXX complaint number ; 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 2022-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hi, My name is XXXX XXXX in which respectively I have submitted disputes to XXXX and Transition on the XXXX of XXXX and they have failed to get back to me and respond regarding my issues. Transunion fails to respond and meet my demands in which I submitted an FTC report as I had my identity compromised on the dark web and XXXX has failed to send me an email update from when I reached out to them in XXXX. It has been a substantial amount of time and I contacted them via certified mail which hasn't came back about some collection accounts in my name that I want fixed and removed off my credit report that aren't mine. I am reaching out to the cfpb in the hopes of helping me to fix and address these issues as me reaching out to them has not been enough.

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
i am requesting your help to have the items listed on the letters i attached removed from my credit report. These items include inquiries and late payments that are insisted by the credit bureaus and all have been unverified. I have been dealing with these bureaus for months already but they don't do nothin bout these.

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 2022-03-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My was Credit report pulled without my Authorization, the companies are listed below, along with the dates and their phone numbers. 

XXXX XXXX XXXX Experian - XXXX Phone XXXXXXXX XXXX XXXX  Experian - XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Phone XXXX XXXX - Experian - XXXX - Phone XXXX XXXX  XXXX XXXX - Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Phone XXXX XXXX XXXX XXXX - XXXX Phone XXXX XXXX XXXX  XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX Phone XXXX XXXX XXXX XXXX XXXX - XXXX Phone XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX Phone 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 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am XXXX XXXX and I am submitting this claim myself and no third party is involved. I, XXXX XXXX as a natural person, and consumer was injured, harassed and abused by LVNV FUNDING LLC on several attempts to collect on a debt, using profane language and unfair collection practices. ( See Exhibits ) I received numerous violations through via mail. I requested validation of the debt on XX/XX/2021, they sent account summaries which isnt debt validation. 
( See Exhibit A-O ) With further harassment, after the agreement of confirmation of receipt of the validation of the debt ; the debt collector, LVNV FUNDING LLC knowingly and willfully continued to reach out to ask for payment of this debt. ( See Exhibit A-O ). LVNV FUNDING LLC has violated multiple laws in accordance to 15 USC 1692. ( See AOT ). My AOT WAS NOTARIZED AND SIGNED AT XXXX  and mailed off from there. Receipt is provided below. They also use different names such as Resurgent Capital Services which are debt collectors collecting on behalf of another debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
On XX/XX/2024 A credit card payoff was made on my behalf to Barclays Card US in the amount of {$11000.00}. By XX/XX/2024 The payment had not been posted. I contacted Barclay customer service and was informed the payment was never received. I then contacted XXXX XXXX, the party responsible for making the payment ( after a cashback refinance ) and after a little research learned the check had cleared on XXXX and was given a copy of the cancelled check. I called Barclays again with this new information, furnished them with the checks routing number, account number, and check number. I was informed that Barclays assigned a case number to my claim and would investigate but it would take anywhere from 10-30 days for resolution. In follow up messages to Barclays, they now claim it coild be 2-3 billing cycles before this issue could be resolved. This is totally unacceptable in light of the evidence presented to them directly which totally substantiates the claim of the payoff made

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 2022-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: NM

Complaint narrative:
My applications for Apple Card by Goldman Sachs have been repeatedly denied because they have claimed that they are not able to verify my identity. 

Following my initial complaint with the Consumer Financial Protection Bureau, Complaint ID # XXXX, the company, Goldman Sachs Bank USA ( the Bank ) , first offered me a 14-day period to reapply for the Apple Card by email on XX/XX/XXXX. I received a call the following Day on XX/XX/XXXX from Apple Card support notifying me of their invitation to reapply. I was not interested in reapplying for the Card on XX/XX/XXXX, and so the Bank, moved to close our case with the Consumer Financial Protection Bureau the following day. 

The case Complaint # XXXX should not have been closed because the issue has clearly not been resolved. My 14-day period to reapply has been effectively reduced to 2 days. I have since reapplied on XX/XX/XXXX, and today, XX/XX/XXXX, was denied the Apple Card because the Bank is unable to verify my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Verisk Analytics Inc
State: CA

Complaint narrative:
i contacted XXXX they advised me that they obtained this information from LCI company reporting public record unable to get a copy of all information being reported and investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My Identity has been stolen. By whom I do not know. I signed up for credit monitoring that was offered because of the breaches. When reviewing my credit reports there were credit cards listed for Bank of America on my credit report. I called Bank of America on multiple occasions requesting information pertaining to the accounts on my credit reports. In return Bank of America send correspondence that the accounts can not be verified then resends correspondence when requested again with different account numbers. I made a police report, added a fraud alert on my credit reports. I sent Bank of America bank via certified mail which has been received and the signature card returned to me that validates that it has been received although they have done nothing to resolve this issue. Instead, I received correspondence with different account numbers. I requested the original credit applications which can not be produced. I received an email from Bank of America to call a Fraud resolution agent. I called he did not return my call, I sent an email I did not receive a response. I called today the fraud resolution at the number provided in the original letter and the call does not allow me to enter the extension to speak to the agent. I called the XXXX number for Bank of America because I do not have the full account number for the credit cards opened using my name I am unable to speak to someone. The automated recording hangs up. I am attaching documents to validate I am a victim of Identity theft, Bank of America has done nothing to assist me in resolving this issue except change account numbers and report information that is not mine, inaccurate to all three credit reporting agencies. This is identity theft that is a serious matter and Bank of America continues to ignore the issue. I am a victim of identity theft. Bank of America continues to ignore this serious situation, has not provided the credit applications for ALL the numbers pertaining to the correspondence I have received. Instead, the numbers are consistently changed and reported to the credit reporting agency that is inaccurate. Bank of America has tarnished not only my credit and now is affecting my health. Bank of America is trying to cover this up and is reporting false information. 

ON XX/XX/2022 I received correspondence from Bank of America Resolution support team. The number to reach the resolution team is not an active number although a number for promotions. See Attached ENOUGH IS ENOUGH WITH THE HARASSMENT AND GAMES- THE CORRESPONDENCE RECEIVED NO ONE CAN BE REACHED AND THIS IS AN ONGOING ISSUE AND HAS BEEN FOR OVER A YEAR.

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 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 2022-03-15 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: NM

Complaint narrative:
i am requesting your help to have the items listed on the letters i attached removed from my credit report. These items include inquiries and late payments that are insisted by the credit bureaus and all have been unverified. I have been dealing with these bureaus for months already but they don't do nothin bout these.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: Debt Recovery Solutions, LLC
State: LA

Complaint narrative:
I took a title loan in XX/XX/XXXX and paid it on XX/XX/XXXX. About a week ago I got an alert from XXXX about being on collections. Debt Recovery Somutions DRS, XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX. I have emailed them so many times asking to remove it. I gave sent proof that the debt was paid. XXXX XXXX told me that they did not sell my account because it shows XXXX balance. DRS after seeing my documents refused to remove it. They want me to pay {$400.00} and I think this is fraud. The name of the owner is XXXX XXXX. My name is XXXX XXXX, XXXX XXXX XXXX, XXXX, La XXXX. XXXX XXXX. Reference # with DRS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hi, My name is XXXX XXXX in which respectively I have submitted disputes to Experian and XXXX on the XXXX of XXXX and they have failed to get back to me and respond regarding my issues. XXXX fails to respond and meet my demands in which I submitted an FTC report as I had my identity compromised on the dark web and Experian has failed to send me an email update from when I reached out to them in XXXX. It has been a substantial amount of time and I contacted them via certified mail which hasn't came back about some collection accounts in my name that I want fixed and removed off my credit report that aren't mine. I am reaching out to the cfpb in the hopes of helping me to fix and address these issues as me reaching out to them has not been enough.

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 2022-03-15 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I was shopping for a mortgage during XX/XX/XXXX, XXXX XXXX, XXXX. I had a hard credit inquiry on XX/XX/XXXX and another on XX/XX/XXXX ( from two mortgage brokers ). Experian posted the hard inquiries separately on my credit report even though they were for the purpose of finding the best rate, and within 20 days of each other. The Experian website even states that the two should be only counted as one hard inquiry. I have spent considerable time on the phone with Experian, with them finely telling me yesterday that the two inquiries weren't in the same month so they weren't considered as one hard credit inquiry. That is not consistent with the FICO procedures.

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 2022-03-15 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: FL

Complaint narrative:
My was Credit report pulled without my Authorization, the companies are listed below, along with the dates and their phone numbers. 

XXXX XXXX XXXX XXXX - XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX XXXX  XXXX - Phone XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX Phone XXXX XXXX XXXX TransUnion - XXXX Phone XXXXXXXX XXXX XXXX TransUnion - XXXX Phone XXXX XXXX XXXX TransUnion XXXX XXXX & XXXX Phone XXXX XXXX XXXX XXXX TransUnion - XXXX Phone XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX Phone XXXX Veterans XXXX XXXX TransUnion XXXX XXXX & XXXX Phone 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