vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have not receive any response from this 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 explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I created a Coinbase account on XX/XX/2021 and invested {$1500.00} since XX/XX/2021 I have been unable to access my account or money. 
I have submitted several tickets for help which have only been responded by an automated system. My account remains suspended without any communication as to why. Besides the initial investment, I did not attempt any withdrawals or any other transactions on this account. The app is showing a connection issue but the website says it has been temporarily disabled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
This company is reporting to my credit as a rental and I have been getting denial back to back because of it I have never live at this rental place they have on my record at all and I have told them that I have report this account to the FTC and i have send out a letter to them requesting verification and haven't received anything at all and it been past 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
In XX/XX/2021 I made an agreement to pay {$100.00} per month for my account. Since that time I have been paying {$100.00} biweekly, which is more than I agreed. This company is reporting that the account is behind which is causing derogative marks on my credit. I have not missed a payment arrangement and I have been making more than requested.

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 2021-06-24 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: GA

Complaint narrative:
I disputed a bankruptcy that was being reported on transunion that is not mine, I have already had XXXX  remove this from their bureau. They have said that XXXX  XXXX  verified it the first time, and the courthouse verified it the second time. As you can see in the pictures I am including the courts do not report bankruptcies. XXXX XXXX froze my account then over the phone and by mail reported that I do not even have anything on file with them. They refused to send me anything in writing stating that XXXX XXXX or the courts verified this, and it is because neither is true.

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 2021-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been a Chase Credit card and auto loan holder for several years. On XX/XX/XXXX I submitted a payment for the full balance of my JP Morgan Chase Marriott XXXX credit card account, {$9.00}, in order to bring the balance to {$0.00}, and the payment was accepted. During this time, I have later come to learn that my bank from which the payment was debited, " XXXX '', was undergoing acquisition by XXXX, XXXX XXXX. In addition, XXXX, XXXX was subsequently acquired by XXXX XXXX. I did not know that on XX/XX/XXXX, the payment was " returned ''. My assumption is that during these mergers & acquisitions, the banking information was not routed correctly. Chase maintains that the return was due to insufficient funds. I received no email, text messages, or phone calls alerting me to a returned payment. On XX/XX/XXXX, believing my account to be paid in full, I logged into my account to find that my payment had been returned, and it was now 30+ days late. This is not a card I use often, as it is a travel card, and my family and I have not been traveling, so I had not expected there to be a balance whatsoever. 

I immediately paid the overdue balance with a different bank account, and contacted Chase bank. Seeing as Chase had reported my account 30 days past due, my credit score dropped 80+ points due to this {$9.00} balance that was " overdue ''. In addition, I placed disputes with each of the credit bureaus. I have now spoken to Chase bank associates on multiple different occasions, and they have continued to assert that there is no way to amend or withdraw the delinquent payment of {$9.00}, even though my payment had been submitted in good faith on XX/XX/XXXX, and the bank ( s ) responsible for payment declined the payment. This has caused longstanding and costly damage to my credit report and score, and Chase associates have not offered any recourse or solution to repair it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
A collection was placed on my credit report about 2 months ago by Rent Recovery Solutions out of XXXX. They dated the open date as XXXX of XXXX. The original owner being XXXX XXXX in XXXX. On XXXX XX/XX/XXXX I was in an accident. Spent 42 days in a XXXX and a total of 105 days XXXX. At the time of the accident I had not even been living there for a month. I never returned to the apartment and was never notified of any debt. Additionally that was XXXX of XXXX and past the 3 year statute of limitations for the state of South Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion listed collection accounts, that can not be validated even by the collection agencies, on my consumer report without any written instructions from me as per the FCRA USC 1681b ( a ) ( 2 ). They have shown a blatant disregard for the law or whether their reporting is accurate or not. I have sent them a letter containing the FCRA 15 USC 1681b ( a ) ( 2 ) which they have violated and continue to violate, and demanded that they delete the accounts immediately from my consumer report, and I have also called and spoken with a customer service representative and a supervisor about the issue, but every effort have failed so far, as they have so far refused to act upon my demand to delete the accounts.

I am demanding that the collection accounts listed below be immediately deleted from my consumer report as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

1. XXXX XXXX XXXX XXXX. # XXXX Balance : {$110.00} 2. XXXX XXXX  XXXX XXXX # XXXX Balance : 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 2021-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: GA

Complaint narrative:
I graduated from XXXX XXXX XXXXXXXX in XXXX of XXXX and even though I did not start paying my loans off immediately, I started the process around XXXX. I may have skipped some months due to hardship but XXXX has been 18 years ago. Everyone I tell this story to someone, they say it is unreal. I borrowed a little over {$17000.00} for College and I am still paying my loans off at 8 % interest. Due to the pandemic they have been placed on hold ; however, it was extremely difficult to handle a {$360.00} payment per month even without the pandemic. I have been with FedLoan Servicing now for about six years. I requested information on the payments that have been paid on this loan over the life of the loan by sending a letter to XXXX XXXX but never received a response. When I went to Fedloan Servicing, they did not give me credit for any of the payments I made with XXXX  and even when they increased the interest rate, I still do not understand how my balance changed from the day I left College. If I borrowed only {$17000.00} how can that balance change. I understand they added interest but the balance should never have changed. I have no understanding of how these payments have been calculated over the years and how the interest became so high. I am requesting an address where I can receive information on my loan since the day I graduated from college. I want information on every payment I have made because I have paid this loan out and when they are finished with me I will have paid it out at least 3-4 times more than what I borrowed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX Original creditor {$840.00} Open balance ok for one, I have never had a credit limit of that much ever, also I had a XXXX  XXXX account, why would I have two, I think this is fraud or a scam, but it's not me, I closed my XXXX XXXX account with a XXXX limit in good standing. This is wrong and it is dermaticly impacting my score. So I would be greatful if you could help me remove it. It's not mine and I have never had a credit limit that high ... ever!!! 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: FL

Complaint narrative:
I HAVE SUBMITED AT DISPUTE THAT THIS ACCOUNT WAS FRAUD AND UNLOADING THE FTC REPORT AND A BASED VERIFCATION WAS DONE AND NOTHING WAS GIVING TO ME ON WHAT WAS PROVIDED ALL THEY SAID WAS THEY NOTHING THEY CAN DO THET THE CREDITOR ON CONTRAL ON WHAT GET DELETED ON WHAT STAY ON SO HOW IS THAT PROTACTING US FROM FRAUD

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 2021-06-24 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: OH

Complaint narrative:
The below accounts are reporting to all three of the credit reporting agencies under my name and my info, I have contacted these companies advised them, that this has to be a mistake because I have never done business with any of them and that these accounts are reporting to my credit negatively and that its is effecting my family livelihood. Please see the list of the accounts and all the details, of which i do know. 

XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Balance {$3200.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$3200.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX Balance

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 2021-06-24 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: OH

Complaint narrative:
The below accounts are reporting to all three of the credit reporting agencies under my name and my info, I have contacted these companies advised them, that this has to be a mistake because I have never done business with any of them and that these accounts are reporting to my credit negatively and that its is effecting my family livelihood. Please see the list of the accounts and all the details, of which i do know. 

XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Balance {$3200.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$3200.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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:
1. I have never been late with payments on this account. Balance on the account is wrong.

XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. Other information I would like changed. Date of opening account is not matching with original documents. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it immediately. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against Bureau company. I have sent four previous letters to the Bureau, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and they have failed to do so.

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 2021-06-24 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: NY

Complaint narrative:
1. I have never been late with payments on this account. Balance on the account is wrong. 
XXXXXXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. Other information I would like changed. Date of opening account is not matching with original documents. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it immediately. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against Bureau company. I have sent four previous letters to the Bureau, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and they have failed to do so.

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 2021-06-24 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: NY

Complaint narrative:
1. I have never been late with payments on this account. Balance on the account is wrong. 
XXXXXXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. Other information I would like changed. Date of opening account is not matching with original documents. 
XXXX AccoXXXX XXXX XXXX XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it immediately. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against Bureau company. I have sent four previous letters to the Bureau, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: MI

Complaint narrative:
I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. XXXXXXXX XXXX, who I have my mortgage through, did not reaffirm and it was discharged in my bankruptcy on XX/XX/XXXX ( copy of discharge attached ). 

In preparation to lease a new vehicle, I ran my credit report and saw that XXXXXXXX XXXX has been reporting my current payment history and balance of my mortgage loan on my credit, which is a direct violation of my bankruptcy discharge. 

I disputed it with all 3 credit reporting agencies. XXXX and XXXX changed my reports. Experian sent me the results of my dispute stating that XXXXXXXX XXXX  is reporting properly on my credit. I disputed it again and receive the same result 2 days later ( both dispute result notifications are attached dated XX/XX/XXXX and XX/XX/XXXX ). 

On XX/XX/XXXX I sent a letter to XXXXXXXX XXXX requesting that the payment history of my loan be removed after XX/XX/XXXX, when my bankruptcy was discharged ( letter is attached ). 

On XX/XX/XXXX I receive a reply letter from XXXXXXXX XXXX stating that they would correct the reporting and show that the loan was closed on XX/XX/XXXX. This is not correct. The debt was discharged on XX/XX/XXXX. 

As of today, XX/XX/XXXX, XXXXXXXX XXXX  has failed to updated my credit report. Experian still reflects XXXXXXXX XXXX with a balance and is showing my current payment history on a discharged debt that I have no personal liability for ( copy of what the XXXXXXXX XXXX listing on my Experian credit report looks like attached ).

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 2021-06-24 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: TN

Complaint narrative:
I have contacted the company within several months disputing the inaccuracy in their report under my social security and did not get a respond. I finally contacted CFPB and filed a complaint against the company on XX/XX/2021 and they still did not address the problem and I still see that they are reporting my personal info inaccurately and accounts that its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
equifax has somehow blocked anyone from being able to pull my credit report when or if i need to apply for anything. I discovered it when i recently applied for a secured card with XXXX and i was given a message that there was a freeze and they were not able to pull my credit report. I contacted equifax and the automated system verified me and then said that it could not remove the freeze so i requested an agent and the agent said that there was no freeze but creditors are being blocked from pulling my credit. she said there was a fraud alert which i requested because my amended tax return with all of my kids and my personal sensitive information was stolen through the us postal system while in transit to the IRS. I provided the police report. the fraud alert of suppose to alert creditor to verify and thoroughly check out and make sure they have the correct person ; not block my credit altogether so that even i can not utilize my own credit. She stated that an indicator ( whatever that is was placed ) and that she was removing it but why would things be placed to keep me out of my own credit. I want any freeze they currently have on my credit report or whatever it is that equifax is using to block my credit to be removed and not replaced unless I request it and not whoever they are allowing do to whatever they want to my records.

Company response to consumer: Closed with explanation