vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 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 two accounts on my credit as well as 5 inquiries that are on my credit that are not mine and these accounts I have not signed used or even applied for I have sent out a dispute for all the bureaus back in XXXX and I am still waiting for a response back please help me this is hurting my credit and I dont feel I should pay for something that is not mine. 

XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX Acct # XXXX XXXX {$570.00} INQUIRIES XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX-Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX-Inquiry date : 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 2021-04-14 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: IL

Complaint narrative:
Accounts goin from open to close different balance different dates, movin account to open in closed repeatedly moving please Delete all closed inaccurate accounts

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 2021-04-14 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: IL

Complaint narrative:
Accounts goin from open to close different balance different dates, movin account to open in closed repeatedly moving please Delete all closed inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: IL

Complaint narrative:
Accounts goin from open to close different balance different dates, movin account to open in closed repeatedly moving please Delete all closed inaccurate accounts

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 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Afte numerous attempts to contact coinbase in regards to selling crypto currency due to restricted account coinbase will not respond to any help ticket, I have a family emergency and am trying to sell my crypto and send the funds to my bank, I am not able to do this, no responce at all for weeks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Total Card, Inc.
State: CA

Complaint narrative:
I asked XXXX to delete all late payment status from the 3 credit bureaus because it was due to me being furloughed in XX/XX/2020. XX/XX/XXXX my credit report reflected that XXXX did honor my request and I was so pleased and grateful. Sadly the late payment info from them has returned and currently reflected on my credit report. I am sure this is an error. Below is my original correspondence. 

Greetings, I lost my job in XXXX due to COVID19, I immediately filed for unemployment, I didnt hear anything from Unemployment of California for a long time and assumed it was because the overwhelming amount filed all at once. After weeks of nothing I finally received a request to verify my identity, and mailed back requested documents the same day. I finally received my full backpay bringing me to current benefits due to me at the end of XXXX! I made all payments up on time never late until I lost my job when the pandemic hit the world. This one infracture was due to something completely out of my control, and there was no state or government support to aid me with drowning financially unable to meet my normal responsibilities rent, food, credit cards, utilities, student loans etc. All of which have worked with me to update and defer payments during this unprecedented pandemic. That being said I was disheartened when I called Total and asked for them to remove the late from all 3 credit bureaus and they declined knowing the reason and not considering I have a flawless payment history prior. I feel this is severe and not my fault. I have resumed my excellent payment since after receiving my unemployment benefits. I just wish they would be compassionate during this one late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Account # Phoenix Financial XXXX I'm unware of this debt and did not have the opportunity to dispute. Please provide validation of debt, method of verification and Assignment of debt for this account. They have placed this account on my credit report without notification. If they believe they have notified me please provide " Certified Mail Receipt ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
This is a formal notice pursuant to FDCPA 15 USC 1692g validation is requested. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to placed it for a collection with profit loss write off. I am requesting validation that is competent evidence bearing my signature showing that I have some contractual agreement to pay you. FDCPA Section 807-8 if you can not validate the debt you must request the credit reporting agencies to remove and delete it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Collection Consultants of California
State: CA

Complaint narrative:
There is an account listed on my XXXX  report from Collection Consultants. My main issue with this collection agency is that they keep changing the date of delinquency to fit within the 7 years so that this account can keep reporting. I have been disputing this for YEARS because it should have been covered under my insurance at the time. Since the agency would not even let me settle without adding charges, I decided to wait until the expiration date. The issue is, it never goes away. This is from a XXXX I had in XXXX and now it says from XXXX. Please delete this outdated information from my credit report. This company is taking part in illegal practices to continue to keep negative items reporting on credit files longer than legally allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Skrill USA, Inc.
State: OH

Complaint narrative:
Point of Sale purchase for Skrill USA NEW York XX/XX/2021 in the amount of {$50.00} from my XXXX XXXX XXXX  debit card that is tied to my checking account. Two Point of Sale purchases by Skrill USA NEW York XX/XX/2021 in the amount of {$50.00} two separate times from my XXXX XXXX XXXX  debit card that is tied to my checking account. I have called to have my card immediately deactivated. These are fraudulent charges. I have never done business with this shady company. They need shut down. I have researched that they allow scammers to do this over the years for the exact amounts of XXXX dollars several times just as has happened here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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 5 accounts that I have been disputing since XX/XX/2020 I have. These accounts are not mine I have no idea who opened these or how. I have filed an FTC report I have A notarized Affidavit for Identity theft and I have written over 5 letters to the bureaus I have called them but nothing no verification no help I feel ghosted and I feel like I have to deal with someone elses doing an go thru a year of hassle for these accounts this is my last resort please help. 

XX/XX/XXXXAcct # XXXX {$14000.00} XX/XX/XXXX- Acct # XXXX {$3200.00} XX/XX/XXXX Acct XXXX XXXX {$5600.00} XX/XX/XXXX- Acct # XXXXAmt {$2200.00} XXXX XXXX XXXX Acct XXXX XXXX {$10000.00}

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 2021-04-14 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 5 accounts that I have been disputing since XX/XX/2020 I have. These accounts are not mine I have no idea who opened these or how. I have filed an FTC report I have A notarized Affidavit for Identity theft and I have written over 5 letters to the bureaus I have called them but nothing no verification no help I feel ghosted and I feel like I have to deal with someone elses doing an go thru a year of hassle for these accounts this is my last resort please help. 

XXXX XXXX XXXX  Acct # XXXXAmt {$14000.00} XXXX XXXX XXXX Acct # XXXXAmt {$3200.00} XXXX XXXX Acct # XXXXAmt {$5600.00} XXXX XXXX- Acct # XXXXAmt {$2200.00} XXXX XXXX XXXX Acct # XXXXAmt {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reviewed my credit reports with XXXX, XXXX  and Experian and found that all of the inquiries on each of my credit reports were a result of identity theft. I have not applied for credit in several years and contacted each of the credit bureaus in order to have these inquiries removed. I have not heard back from any of the credit bureaus regarding these matters. I have also asked the credit bureaus to place a fraud alert on my credit reports to ensure that nobody is using my social security number without my consent. 

Furthermore, I have an auto loan that I co-signed from XXXX  XXXX  which was reported as being late after the Coronavirus CARES Act passed which bars the reporting of late payments on my credit reports as I was unable to go to work because of the mandatory government and business shutdowns. As such, I have been working with XXXX  XXXX  to apply for a forbearance on this Auto Loan for over a year. I am not sure why it was reported late at all considering these facts.

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 2021-04-14 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: NY

Complaint narrative:
I co-signed an Auto Loan with XXXX XXXX for a car. I made payments on the loan until I lost my job due to COVID-19. I contacted XXXX XXXX to discuss alternative payment arrangements such as a deferment, lower my monthly payments or a forbearance considering the circumstances. XXXX XXXX failed to work with me, charged me additional fees and made negative marks on my credit report. 

Under the CARES Act, XXXX XXXX may not report this auto loan as being late if I lost my job and was unable to make my monthly payments as a direct and exclusive result of COVID-19.

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 2021-04-14 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: NY

Complaint narrative:
I co-signed an Auto Loan with XXXX XXXX for a car. I made payments on the loan until I lost my job due to COVID-19. I contacted XXXX XXXX to discuss alternative payment arrangements such as a deferment, lower my monthly payments or a forbearance considering the circumstances. XXXX XXXX failed to work with me, charged me additional fees and made negative marks on my credit report. 

Under the CARES Act, XXXX XXXX may not report this auto loan as being late if I lost my job and was unable to make my monthly payments as a direct and exclusive result of COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I co-signed an Auto Loan with XXXX XXXX for a car. I made payments on the loan until I lost my job due to COVID-19. I contacted XXXX XXXX to discuss alternative payment arrangements such as a deferment, lower my monthly payments or a forbearance considering the circumstances. XXXX XXXX failed to work with me, charged me additional fees and made negative marks on my credit report. 

Under the CARES Act, XXXX XXXX may not report this auto loan as being late if I lost my job and was unable to make my monthly payments as a direct and exclusive result of COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2021 I mailed certified documents to NAVY FEDERAL that included exhibits. Ive contacted Navy a week ago to get an update but no one contacted me back. It is now XX/XX/2021 60 days I havent received any response. I have attached the documents. This issue has been lingering for years. Navy Federal has violated my rights which is listed on the documents. Please be advised that Ive been having an issue with the debt collector for several years and this is definitely has cause distress to my life. Not being able to function normality as a consumer. Due to the negligence of the debt collector, I was XXXX from my job, XXXX  for some time, and so many obstacles. TILA violation, FCRA violation,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, I am submitting this complaint for myself, XXXX. Fact, the fair credit reporting act states that the banking system is dependent upon fair and accurate credit reporting so be, and I have been violated by this debt collection company. I have also been violated under the Truth In Lending Act and FDCPA by this company and lawfully demand remedy as a US consumer. PLEASE properly address & remedy the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I co-signed an Auto Loan with Santander Bank for a car. I made payments on the loan until I lost my job due to COVID-19. I contacted Santander Bank to discuss alternative payment arrangements such as a deferment, lower my monthly payments or a forbearance considering the circumstances. Santander Bank failed to work with me, charged me additional fees and made negative marks on my credit report. 

Under the CARES Act, Santander Bank may not report this auto loan as being late if I lost my job and was unable to make my monthly payments as a direct and exclusive result of COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
My service with XXXX XXXX  was on a monthly basis and no penalty if I left. I cancel my service and switch from XXXX XXXX to XXXX XXXX a few years back. 
Later I saw a collection placed on my credit report on XXXX for XXXX dollars to XXXX XXXX from XXXX XXXX back on XXXX XXXX, XXXX. I disputed with XXXX  and was deleted-report number XXXX date generated XXXX XXXX, XXXX XXXX XXXX placed again the same collection on my credit report at XXXX on XX/XX/XXXX for XXXX dollars-original creditor again XXXX XXXX. I disputed again with XXXX and it was removed from my credit report- Report number XXXX. Date generated XX/XX/XXXX XXXX On XX/XX/XXXX Credence Resource Management placed for collection on my credit report at XXXX the same collection bill from XXXX XXXX that XXXX XXXX had try before, this time for the amount of XXXX dollars-Original Creditor XXXX XXXX. I disputed with XXXX and it was deletedXXXX Report number XXXXDate generated : XX/XX/XXXX. 
A month ago I found out that the same collection bill from Credence Resource Management was placed for collection on my credit report at XXXX  back on XX/XX/XXXX. original creditor XXXX XXXX-amount XXXX dollars. 
Around XX/XX/XXXX I filed a dispute with XXXX. The collection was not remove from my credit report and I don't know why. 
I have filed on XX/XX/XXXX a second dispute with XXXX but this time I want a mediator to oversee my dispute because this is an unlawful attempt to collect money I don't owe and it is damaging my credit score put out by XXXX and my credit. 
The collection reports from Credence Resource Management placed on my credit report has been deleted from the other report agencies because of the unlawful attempt from XXXX XXXX  to collect money I don't owe. It is the same alleged bill owe. 
On XXXX and XXXX the collection placed on my credit report from XXXX XXXX was deleted from my credit report at XXXX, so was on XXXX the collection placed by Credence Resource Management-DELETED-, it was the results of the investigation done by XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is BULL CITY FINANCIAL SOLUTION # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, BULL CITY FINANCIAL SOLUTION failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) BULL CITY FINANCIAL SOLUTION failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation BULL CITY FINANCIAL SOLUTION is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where BULL CITY FINANCIAL SOLUTION is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. BULL CITY FINANCIAL SOLUTION has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation