vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-11-21 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Spoke with JPMCB in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: MA

Complaint narrative:
I was contacted by Healthcare Revenue Recovery Group by mail, on XX/XX/2021 and identified the debt as a balance of {$65.00} from creditor FL XXXX XXXX XXXX XXXX XXXX. 

I sent a certified letter on XX/XX/2021 responding to their inquiry and challenging the validity of the debt as I had already paid it. This letter was never responded to, nor did the company attempt to contact me beyond the original debt collection letter. 
This was later erroneously reported as a debt to the credit agencies thus damaging my credit fraudulently for a debt that was never verified. 

I have attached the proof of delivery along with the certified letter that was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I " invested '' {$7600.00} in XXXX, XXXX XXXX. My " investment '' went up to {$13000.00} On this date I tried to withdraw {$8000.00}. 
They required me to deposit {$2200.00} to cover taxes. 
" The tax needs to be paid by the user separately and can not be deducted from the account balance. '' " Since user funds are stored in the block chain we have no right to deduct any fundfs from users, so you need to pay sepqarately and the tax is a system audit. You need to pay taxes before withdrawing money back to your wallet. '' " Due to the special nature of cryptocurrency, it is easy tfr users to use it for tax evasion, so the profits earned from trading on the exchange are collected by the exchange, and submitted to the IRS, and then a tax 1099 document is issued to the user. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
The Fraudulent item was with XXXX mobile provider services. I never had them as a carrier. I have XXXX XXXX However, I noticed on my credit report the fraud and I addressed the item. The item was with XXXX XXXX XXXX. In which I disputed and the item was removed. Therefore, how is XXXX able to then utilize credence resource mgmt collection and have a removed item placed back on my credit. In compliance with the FCRA that's ILLEGAL!!!!!. The item was removed and should not reappear again. So in high insight in compliance with the FCRA I would truly appreciate this account be deleted from my report to never appear again. 

XXXX XXXX Acct # XXXX XXXX ref id # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Skopos Financial, LLC
State: IL

Complaint narrative:
On XX/XX/2022 I completed a preapproval application for a loan with XXXX XXXX. This had no credit impact so I decided to apply. At that time the company told me I was preapproved for a unsecured loan and a secured loan. I moved forward with the unsecured preapproval option and was approved for the unsecured loan. I was prompted via the website to add my income verification documents and identification for final approval of my loan. After submitted the documentation and verification I was called and told that my loan option had been switched to only a secured loan using my vehicle as collateral. If this would have been stated initially I would never have proceeded with the application which resulted with a hard inquiry on my credit report. It's clear that XXXX never intended to provide me with a unsecured loan. The only goal was to use it as bait to offer we a secured loan. The preapproval for the unsecured loan was false and issued in bad faith as a sales tactic. As a result, I want the credit inquiry from XXXX XXXX on XX/XX/2022 removed from all 3 credit reporting agencies. If XXXX would not have issued a false preapproval for the unsecured loan I would have never applied in the first place. The false preapproval was issued in the hopes that I would accept the secured loan which they attempt to pressure you into taking after you decline it several times.

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 2022-11-21 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: Cascade CISS Holdings, LLC
State: AL

Complaint narrative:
Made inquiry for loan with XXXX of XXXX, AL. Specifically request that I am not shopped around and only request financing from XXXX XXXX. The hungry salesman disregarded my request making multiple outside request, as well as duplicate request with the same company on different dates fraudulently, without my knowledge, verbal authorization or written consent.To add, there are duplicate inquiries within a XXXX hour periods for the same funding agencies. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report nd Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Account name NY CHILD SUPPORT XXXX, Account # XXXX Account name XXXX XXXX XXXX  Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX bankruptcy XXXX Reference # 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

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 2022-11-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report nd Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Account name XXXX XXXX XXXX XXXXXXXX, Account # XXXX Account name XXXX XXXXXXXX XXXX  Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX bankruptcy XXXX Reference # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
To whom it may concern, Im contacting you to complain about Discovery Loans ' misleading loan process and to request a resolution that I deserve. 

On XX/XX/2022 at XXXX, I called Discovery Loan at XXXX ( XXXX ) XXXX to finalize my loan request to consolidate my debt after submitting an online request ( application number : XXXX ). In that conversation, I was informed that I was qualified for a loan and asked if I want to move forward with the loan process. I provided my consent to move forward as we agreed to use the loan to consolidate two of my existing loans with Discover Loans and pay off a couple of credit cards with the remaining amount, which was about $ XXXX. The loan specialist told me that I can enter the credit cards account information later online or via phone in order for them to be paid off. 

A few days later, once I gathered the information, I entered the cards account information online but received a warning that I needed to complete one last step. So, I called Discover Loans to finalize the process but I was told that they actually made a mistake, and Im not eligible for a new loan because I already have two loans with them and need to go through nine payment cycles for the latest loan I got with them in order to qualify for a new loan per their policy. I got that loan in XX/XX/2022 and the ninth payment is in XX/XX/2022, meaning that I am only a month behind. They told me they were going to look into if they could honor the loan or if they could remove the hard inquiry, which already impacted my credit score. 

After a few days, I had to follow up with them to get an update and I was told that they will not honor the loan and instead they will request to remove the hard inquiry from my credit history, which may take up to 40 days to process. I told them its understandable that the typical process to remove the hard inquiry from my credit history may take up to 40 days but its unacceptable for me to suffer the consequences of their mistake as my credit score is already impacted which complicated my financial plans and 40 days is too long for me to wait. I requested that they should honor the loan to make it worth to the damage on my credit score as well as interference my financial plans. 

Their actions and solutions are unethical and causes not only inconvenience but also harm to my finances and life. No individual or institution should be allowed to not fix their careless mistakes and impact on peoples lives. If the hard inquiry removal was immediate, I could accept it as a solution but given the length of it and its impact in my life, I dont accept it as a solution. The damage is already done and I need a better solution. Indeed, I request to be honored with the loan that I was originally told to be qualified. 

I look forward to hearing from you. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/2022, I sent written correspondence to TransUnion. Requesting them to provide documentation as to how they certified the information was accurate. I never received any information as to how my information was verified. I did some research and found that TransUnion verifies its information with a company called LCI. On XX/XX/2022 I sent an email to LCI requesting them to delete my information out of there system. I do not give them permission to share my information with any credit bureaus or agencies that they are affiliated with. On XX/XX/2022 I sent another written correspondence to TransUnion asking them to do a reasonable investigation once again. I have received the results of the investigation. TransUnion has violated my rights as a consumer, per the FCRA rules and regulations for reporting a Bankruptcy. FCRA states that a credit bureau has to verify its information from the original creditor. 

TransUnion claims their investigation results are verified by the US Bankruptcy Courts of XXXX MD. I have called the US Bankruptcy Courts of XXXX MD. They do not verify information with the credit bureaus or any agency. I have a written letter from the US Bankruptcy Courts of XXXX MD supporting this. TransUnion has violated my rights as a consumer and continues to violate after I sent them information showing the violation. 

I have attached copies of correspondence from me and from company.

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 2022-11-21 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Spoke with XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.

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 2022-11-21 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Spoke with XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Spoke with XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.

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 2022-11-21 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: EQUIFAX, INC.
State: OK

Complaint narrative:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account -XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Account -XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late For any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: OH

Complaint narrative:
I received my credit report from XXXX and disputed a collections account from Enhanced Recovery Co. on XX/XX/XXXX. The reason for dispute is that I have no knowledge of this account and I am not responsible for it. The debt on my report is identified as a collection for {$230.00} past due as of XX/XX/XXXX for " XXXX XXXX ''. I got the results of the dispute and it was deleted from my report. I then checked my XXXX report and disputed the same collection account on XX/XX/XXXX. The dispute results came back XX/XX/XXXX and XXXX said they investigated and did not change anything, and rejected the dispute saying the existing information was verified. This company has never contacted me before regarding this debt, EVER. After digging through my files I found a letter from a company called XXXX  XXXX XXXX XXXX from XX/XX/XXXX for {$230.00} that identifies an Account with XXXX but has a different account number. My report states that this account was opened in XXXX on the XXXX of this year. This is completely inaccurate and I don't know how to get it removed from XXXX. I do not see is on My XXXX and it was deleted from XXXX, but it popped up again showing as a new collection account from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Credit, pursuant to 15 USC 1602 ( e ), is defined as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer ( 15 USC 1602 ( h ) ) and creditor ( 15 USC 1602 ( f ) ), I issued my credit card over the phone on XX/XX/2022 to a rep of XXXX XXXX XXXX and a consumer credit transaction was completed with Regional Acceptance Corporation XXXX Regional Acceptance Corporation denied me credit. The denial discriminate against my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 ).

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 2022-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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