vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX balance {$13000.00} XXXX XXXX XXXX balance {$2200.00} XXXX XXXX XXXX XXXX balance {$75.00} XXXX XXXX XXXX XXXX XXXX Balance {$200.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX balance {$1900.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are 6 accounts that are not mine they do not belong to me I have been going back and forth with the bureaus to remove them and they are not helping out I have filed for FTC and sent out multiple dispute letters but no one is doing anything about it or sending me correspondence. Then I get a letter that I am being sued. 

The accounts are XXXX XXXX XXXX  XXXX XXXX : Acct # XXXX XXXX {$5100.00} opened XX/XX/XXXX XXXX - Acct # XXXX Amt {$5400.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$14000.00} Opened XX/XX/XXXX XXXX XXXX XXXX -Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$3900.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$8700.00} Opened XX/XX/XXXX 2017

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 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it.The Fair Credit Reporting Act states that any Information that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My XXXX XXXX XXXX card is currently reporting to all credit bureaus as late as of XX/XX/2018. I have always paid my bills on time and this card was not 30 days late then, so I don't know why it is still reporting as late for that month. This has been very damaging to my credit for over 2 years now. Over the past 2 years, I have called multiple times to XXXX and tried to get this situation remedied but I get thrown into an infinite loop with them telling me it is too late, they can not fix anymore, " it was late, '' etc. I still have always remained loyal as a customer to XXXX and paid on time always, even though they have been hurting me for a long time now due to this. It is very unfair for the account to be shown as delinquent when it was never delinquent to begin with.

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 2021-03-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
My XXXX XXXX XXXX card is currently reporting to all credit bureaus as late as of XX/XX/2018. I have always paid my bills on time and this card was not 30 days late then, so I don't know why it is still reporting as late for that month. This has been very damaging to my credit for over 2 years now. Over the past 2 years, I have called multiple times to XXXX and tried to get this situation remedied but I get thrown into an infinite loop with them telling me it is too late, they can not fix anymore, " it was late, '' etc. I still have always remained loyal as a customer to XXXX and paid on time always, even though they have been hurting me for a long time now due to this. It is very unfair for the account to be shown as delinquent when it was never delinquent to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My XXXX XXXX XXXX card is currently reporting to all credit bureaus as late as of XX/XX/2018. I have always paid my bills on time and this card was not 30 days late then, so I don't know why it is still reporting as late for that month. This has been very damaging to my credit for over 2 years now. Over the past 2 years, I have called multiple times to XXXX and tried to get this situation remedied but I get thrown into an infinite loop with them telling me it is too late, they can not fix anymore, " it was late, '' etc. I still have always remained loyal as a customer to XXXX and paid on time always, even though they have been hurting me for a long time now due to this. It is very unfair for the account to be shown as delinquent when it was never delinquent to begin with.

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 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: CA

Complaint narrative:
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. The Fair Credit Reporting Act states that any Infor motion that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries

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 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. The Fair Credit Reporting Act states that any Infor motion that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. The Fair Credit Reporting Act states that any Infor motion that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries

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 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are 6 accounts that are not mine they do not belong to me I have been going back and forth with the bureaus to remove them and they are not helping out I have filed for FTC and sent out multiple dispute letters but no one is doing anything about it or sending me correspondence. Then I get a letter that I am being sued. 

The accounts are XXXX XXXX XXXX XXXXXXXX XXXX : Acct # XXXX Amt {$5100.00} opened XX/XX/XXXX XXXX - Acct # XXXX Amt {$5400.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$14000.00} Opened XX/XX/XXXX XXXX XXXX XXXX -Acct # XXXXXXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$3900.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$8700.00} Opened XX/XX/XXXXXXXX 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 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are 6 accounts that are not mine they do not belong to me I have been going back and forth with the bureaus to remove them and they are not helping out I have filed for FTC and sent out multiple dispute letters but no one is doing anything about it or sending me correspondence. Then I get a letter that I am being sued. 

The accounts are XXXX XXXX XXXX XXXX XXXX : Acct # XXXX XXXX {$5100.00} opened XX/XX/XXXX XXXX - Acct # XXXX XXXX {$5400.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - Acct # XXXX Amt {$14000.00} Opened XX/XX/XXXX XXXX XXXX XXXX -Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$3900.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$8700.00} Opened XX/XX/XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. The Fair Credit Reporting Act states that any Infor motion that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I mailed a VALIDATION letter to Citizens Bank on XX/XX/XXXX. I got a copy of my credit report and do not recall this store card. I NEVER got a reply from the company and it's way past the 30 day grace period. As per the FCRA 30 days response is typical and VALIDATION is a contract and or lease signed. I'm asking the company delete this credit card from my credit as its causing me distress. I DO NOT owe the balance of as reported or any other updated balance that Citizens Bank currently alleges I owe for Account Number : due to the following : Citizens Bank has NOT PROVIDED a SIGNED contract that has been requested several times on the several phone calls listed in XXXX. Citizens Bank only provides a card agreement which is NOT a signed contract. Account was paid in settlement, closed, and agreed by creditor to be paid for deletion. Creditor has not held up agreement to delete from credit report per terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC SYSTEM is claiming that I owe them {$550.00} but I didn't recognize this debt. Please Remove this inaccurate collection from 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 2021-03-02 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I can obtain my Credit report from XXXX and XXXX with no problem. I can obtain my XXXX and XXXX credit report on their website online with no problem. However, I can never access my credit report from Equifax at XXXX XXXX XXXX which has been problematic for me to obtain my credit report since 2017. These issues continue to keep happening over and over again. I'm requesting my XXXX XXXX XXXX from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have been contacted by Portfolio Recovery Associates several times in regards to a debt listed in the amount of {$720.00}. I have repeatedly notified them that this is not my account. I have never had or opened an account with this company. This company does not have an agreement with me or a contract with my signature. I've disputed this item several times on my credit reports. They are reporting inaccurate, incorrect and damaging information in clear violation of consumer laws, the Fair Debt Collection Act ( FDCA ) and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I have been contacted by LVNV Funding LLC several times in regards to a debt listed in the amount of {$590.00}. I have repeatedly notified them that this is not my account. I have never had or opened an account with this company. This company does not have an agreement with me or a contract with my signature. I've disputed this item several times on my credit reports. They are reporting inaccurate, incorrect and damaging information in clear violation of consumer laws, the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Hello Since XX/XX/2021 Coinbase has suspended all my activities. I can't do anything on the app, nor website. My account is accessible to read and review showing everything current by the day but I CAN NOT SELL OR TRADE ANYTHING. 

[ THESE ARE STRAIGHT COPIED FROM EMAILS ] : *RE : CASE # XXXX XX/XX/2021 Hello XXXX , We have transferred your case to a specialist who will be able to assist you with this specific issue. You will be contacted directly as soon as we have reviewed your case. Please note, these reviews are typically completed within 5-7 business days but may take longer. Best regards, Coinbase Support 2ND EMAIL : Hello XXXX XXXX, Thank you for following up with us. Our team is still reviewing your information. However, we've asked them to expedite their review of your account, but it may still take 24-48 hours to complete. We appreciate your understanding. Regards, Show quoted text Coinbase Support **On XX/XX/XXXX I recieved an email stating my case was resolved and closed. When I Check on the app and online the problem still existed and I was unable to use ANY type of crypto transactions. When I tried to email again and they responded : ( Hi there, Thanks for the response! Wed love to help you further, however, this case has been closed and can not be reopened. Please submit a new ticket to our online support form here for continued assistance : https : //help.coinbase.com/en/contact-us.html Thanks, Coinbase Support ) ***I then OPENED a case with their Consumer Complaints Office. This is there reply : Re : CCO case # XXXX Hi there, Please accept this email as confirmation to receive to your complaint. We will review your complaint you will receive a response by the Consumer Complaints Office within 15 business days. If for any reason we need an extension of time we will email you as his possible. Warm Regards, The Coinbase Team. I have emailed 2 more times in this case # reply and still NO answers at all. It has been 8 weeks of my fund being withheld. 

Also Im NOT able to do anything to sell, trade crypto. I am also handicap? so I have emailed them explaining this stress has really made me feel very bad with my neurological conditions. 

Thank you for your attention to this serious issue, XXXX XXXX XXXX Today 's my approximate portfolio worth is about {$140000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are three bankruptcies on my credit report and they are not mine and one collection from a company I have no clue about or an amount that is not mine.

Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : XXXX ( XXXX ) Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : Unverified account

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 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are three bankruptcies on my credit report and they are not mine and one collection from a company I have no clue about or an amount that is not mine.

Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : XXXX ( XXXX ) Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation