vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 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: Nelnet, Inc.
State: TX

Complaint narrative:
My student loan servicer Nelnet is incorrectly reporting information. Both on their website and to credit reporting agencies. 

My loans were discharged as I am XXXX XXXX XXXX veteran. As such the loans should be paid in full, closed. That's how they should appear and be reported. However, when I check the credit reporting agencies and when I get my mortgage verification document from Nelnet, they show as closed but still owning $ XXXX in loans. This is inaccurate, this is wrong, and I am being harmed from obtaining a mortgage. 

Please correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
on XX/XX/2021 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX these NAMES are undeliverable by the US Postal Service.

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
EQUIFAX, XXXX  AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
hello Ive been trying for months to get this issue resolved as my information was stolen during a breach and it has caused me harm personally and financially.. who ever got my infomation has been running up medical bills. and i need these items removed as its effecting my job status and future goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
There are inquiries on my credit that I do not recognize or have open or closed accounts associated with these companies

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 2021-09-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
On XX/XX/2021, I called Santander Consumer XXXX to request a payment extension for my car loan that was due that day. After experiencing lack of employment and delays with XXXX XXXX  I knew I would be unable to make the payment. 

The representative that I spoke with XXXX, in the Executive office attempted to connect me with a member of the payment extension team. Unable to do so, she advised me to call in on Wednesday XX/XX/2021 to speak with a representative. 

At XXXX EST on Wednesday XX/XX/2021, I called back into Santander to speak with them once again about a deferment. The representative XXXX ( ID # XXXX ) spent approximately fifteen minutes asking why I was requesting a deferment, and then proceeded to state that they can not offer a deferment at this time. 

Upon requesting to speak with XXXX manager I was connected to Ms. XXXX. Ms. XXXX had me on hold for an hour, only to come back and tell me that she needs to speak with someone from the management office, and they are all in meetings. She requested that I call back in an hour. 

At XXXX I called back as instructed, only to be told that they haven't reviewed anything yet and they will call me in 1-3 days. 

I believe the delay in my request was done intentionally on Santander 's end so the account would hit the 30 day late mark, which could then be reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: CBC Companies, Inc.
State: FL

Complaint narrative:
To whom it may concern on my XXXX credit profile I did not authorize XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX, or US SM BUS ADMIN ODA Authorization to pull my credit profile please remove all inquiries immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried disputing these several times and cant get them removed. 
Three accounts reporting on my Equifax Credit Report that do not belong to me. XXXX XXXX XXXX / XXXX XXXX XXXX : {$2200.00}, {$340.00}, {$460.00}. Do not belong to me, never been to XXXX County. Tried to dispute these several time, have not had any luck getting them removed from my Report. Please get these account removed from my Equifax Report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
There are inquiries on my report from these companies that I do not recognize or have open or closed accounts with

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
There are inquiries on my report from these companies that I do not recognize or have open or closed accounts with

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: LEXISNEXIS
State: NY

Complaint narrative:
There is a bankruptcy that is appearing on my consumer report that is in direct violation of 15 USC 1681b ( a ) ( 4 ) and 15 USC 1681b ( a ) ( 2 ). It is also is not associated with me. On XX/XX/2021, I received confirmation from United States Bankruptcy Court XXXX  District New York, which I have attached to this complaint. It states that there was no bankruptcy found with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
On Saturday XX/XX/21 I received a phone call from XXXX stating that they were a representative from coinbase and that there has been some fraudulent activity on my account. They claimed that someone was making incremental withdrawals from my bank account totaling {$24000.00}. They sent me emails proving that this was occurring. The email address was a legitimate coinbase email address, complete with links to their secure website etc. He then stated he needed the 2FA code to lock my account. I was hesitant but when I verified the email was coming from coinbase, and that I was receiving texts and emails from coinbase while on the phone with this man, It led me to believe it was legitimate. Shortly after giving him the code the phone cut out and I Started receiving coin trade confirmations and other emails from coinbase acknowledging fraud was taking place from a XXXX IP address. 



I was able to remove the funds from my checking account and notify my bank of the impending fraudulent activity. For the past 5 days I have sent over 67 emails to coinbase, calls, etc. I have repeatedly asked them to lock the account and not let any funds IN OR OUT. They assured me that would happen and that I would be contacted by their specialty department which is always through email. I have gotten no where with them and they just keep repeating themselves that I need to log in and change password. I was even asked to Upload my license with a self portrait and specific notes. I have done that multiple times and even sent them screen shots of such. Then I cant get any further because the hacker stole my 2FA. I have explained this as well to coinbase numerous times and they still are not helping. On Monday an attempt was made to take over XXXX out of my checking account which luckily my bank caught. Since then Coinbase has stated they are taking all of my coins in my account ( over {$2000.00} worth ) because they funds were not allowed to go through the bank. HOW INSANE ARE THEY that they think I should have allowed a fraudulent transaction to go through. They are not helping at all, and I am starting to think this was all an inside job. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is an account on my Transunion credit report. The balance was finally updated, but the account was not removed. Creditor and doctors office agreed to remove the account from my credit report once the balance was paid. Balance was paid, please get it off of my 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 explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: A/R CONCEPTS, INC.
State: IL

Complaint narrative:
I receive a call from a representative from ar concepts in relation to a medical bill from 2 years ago that I was unaware of as I only went to the practice once. I asked for validation of the debt to be sent to me in writing, I was refused. And told to contact the original debtor. The agent was extremely rude and pressuring. I asked to not be contacted by telephone for this matter and asked verbal to cease and desist all calls and to only contact me by mail. I disconnected the call. And was immediately called back by the same representative and told that he can continue to call me that he would be reporting to my credit threatening damage to my credit report, as well as threathening to file law suit against me. After calling the original debtor I was told they can not speak to me in the matter as at concepts now owns the debt but the debt is resulting from incorrect billing in the first place of which I did not receive notice of as they had the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that IC SYSTEMS would verify the debt. So I took it upon myself to ask IC SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves 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 2021-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My student loan servicer XXXX is incorrectly reporting information. Both on their website and to credit reporting agencies. 

My loans were discharged as I am 100 % XXXX veteran. As such the loans should be paid in full, closed. That's how they should appear and be reported. However, when I check the credit reporting agencies and when I get my mortgage verification document from XXXX, they show as closed but still owning $ XXXX in loans. This is inaccurate, this is wrong, and I am being harmed from obtaining a mortgage. 

Please correct this.

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 2021-09-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My student loan servicer XXXX is incorrectly reporting information. Both on their website and to credit reporting agencies. 

My loans were discharged as I am 100 % XXXX veteran. As such the loans should be paid in full, closed. That's how they should appear and be reported. However, when I check the credit reporting agencies and when I get my mortgage verification document from XXXX, they show as closed but still owning $ XXXX in loans. This is inaccurate, this is wrong, and I am being harmed from obtaining a mortgage. 

Please correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: TX

Complaint narrative:
My student loan servicer XXXX is incorrectly reporting information. Both on their website and to credit reporting agencies. 

My loans were discharged as I am 100 % XXXX veteran. As such the loans should be paid in full, closed. That's how they should appear and be reported. However, when I check the credit reporting agencies and when I get my mortgage verification document from XXXX, they show as closed but still owning $ XXXX in loans. This is inaccurate, this is wrong, and I am being harmed from obtaining a mortgage. 

Please correct this.

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 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Ive already contacted Chase Bank there taking to long with the investigation on something that is simple They violated multiple rights Pursuant to 15 USC 1692a ( 3 ) I am the consumer Pursuant to 15 USC 1692c ( c ), I am notifying you JPM Chase Bank in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through mediums, Pursuant to 15 USC 1692c ( c ), I am invoking my specified remedy as a consumer and the original creditor, and I demanding all of the following : 15 USC 1666d- Positive amount is to be sent to the consumer 15 USC 1681a D ( 1 ) - Consumer report is oral and written so Im letting you know that I'm extending this credit for exchange to get a higher credit limit. 
XXXX  the amount on the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: NC

Complaint narrative:
hello Ive been trying for months to get this issue resolved as my information was stolen during a breach and it has caused me harm personally and financially.. who ever got my infomation has been running up medical bills. and i need these items removed as its effecting my job status and future goals.

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 2021-09-15 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:
on XX/XX/2021 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
EXPERAIN AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
XXXX money was pulled out of my account {$1900.00} thru cash app to XXXX XXXX XXXX processed the chargeback reversal in the amount of {$1900.00} to Cash App Bank XXXX XXXX on XXXXXXXX XXXX  # XXXX

Company response to consumer: Closed with explanation