vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 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: MD

Complaint narrative:
I am being violated according to my studies of the fcra. I have been disputing with XXXX equifax and XXXX about an alleged bankruptcy they are reporting. It is defamation of character and effecting my credit worthiness. I have asked for verification of the source of where they got their information. I was not produced with anything but mail stating that it is verified. But how was it verified? I asked for documentation which was not sent within the 30 day time limit. I didn't give permission for this information to be furnished. There is no permissible purpose to furnish. No proper investigation was done and no documentation was received so I believe the information should be deleted. The laws are highlighted and attached. You are in violation of the FCRA 1681a ( 2 ) b and c 1681 ( a ) e 1681b alway 1681d ( 3 ) if this is not corrected I will seek litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: MD

Complaint narrative:
My rights are being violated by Experian and because of it my credit has been destroyed. I have 5 accounts being reported that should not be. One reason is because Experian deleted it previously already and it is illegal for them to put deleted accounts back. Another reason is because the credit bureaus are supposed to report accuracy which means each bureau should have the same information across-the-board. Experian is the only bureau reporting these accounts at all. Experian is violating the FRCA 1681 ( a ) accuracy and fairness and have not done an investigation according to FCRA ( a ) 2 ( e ).

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 2021-07-26 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My Mortgage company : FREEDOM MORTGAGE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX Who purchased my mortgage recently Erroneously paid : XXXX County Tax Office XXXX XXXX XXXX XXXX XXXX, TX XXXX On XX/XX/2021 - {$9200.00} from my escrow account. This caused my escrow to go into the negative, raising my monthly mortgage payment that was set in a agreed contract with the original financer. This caused me to lose A LOT of money in savings as I was unprepared for an event like this to happen within the first year of my mortgage. Freedom Mortgage has refused to take responsibility for this and instead has offered to refinance my mortgage with them, which I believe it unethical. Freedom mortgage has refused to contact the XXXX  Tax office in order to get the money back for going on 2 months now, leaving me with an inflated mortgage payment. 

Not only did they XXXX me over, but they did it knowing that the loan was XXXX proptery tax exempt, the reason behind there payment to XXXX  in the first place.

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 2021-07-26 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: TN

Complaint narrative:
I am not understanding why an account that is aged almost 10 years is still reporting on my Transunion and XXXX  credit report. All collections and chargeoffs stay on credit reports 7 years only, this account clearly states that it was opened on XXXX 2011 with two different incorrect dates. The dates last active is incorrect and not recent to my last dispute request. The account has been paid and still reporting and it shouldn ; ; t be due to age and inaccuracies. Transunion and XXXX  was not honest about their investgation on the account memntioned above : XXXX XXXX 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 2021-07-26 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Evaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TN

Complaint narrative:
I am not understanding why an account that is aged almost 10 years is still reporting on my XXXX  and Experian credit report. All collections and chargeoffs stay on credit reports 7 years only, this account clearly states that it was opened on XXXX 2011 with two different incorrect dates. The dates last active is incorrect and not recent to my last dispute request. The account has been paid and still reporting and it shouldn ; ; t be due to age and inaccuracies. XXXX  and Experian was not honest about their investgation on the account memntioned above : XXXX XXXX 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 2021-07-26 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: AL

Complaint narrative:
Experian, XXXX, XXXX  will not remove a fraudulent charge off account that was opened using my social security number. My wallet and tablet was stolen out of my car and later that month a installment loan, along with a buch of inquires for request for credit cards was opened using my social security number. The account was opened XX/XX/2018. Amount {$310.00}. The company is XXXX  XXXX. I have sent them a police report for the fraudulent activity and they still will not remove the negative information. I have been disputing this account for over a year now without any luck. Why am I suffering for someone else 's wrong doing? It's against the law for them to report negative, fraudulent accounts. I need this account removed. Each time I disput this account I ask for some kind of documentation liking this account to me. They always send a letter back verified without any signatures, drivers license, or some kind of contract agreement. I never had a account with these people, nether have I ever defaulted on anything. I have perfect payment history and pay all my bills and credit cards on time.

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 2021-07-26 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: SC

Complaint narrative:
I explained to you before that this information on this identity theft report did not belong to me. I am asking that you delete this information.

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 2021-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Good morning, In XX/XX/XXXX I have created an account on Coinbase to start buying and selling crypto-currencies. 
To achieve that I was requested to upload all the necessary documents to prove my identity and validate my account. All was done properly and since then in XX/XX/XXXX I have been using the account without any problem. 
All this time ( from XX/XX/XXXX to XX/XX/XXXX ) the account was ok and I was able to operate and perform different purchases that I still have currently on my Coinbase wallet ( around XXXX $ ). 
But since XX/XX/XXXX, I got a message on my account saying that my account is under review and I'm not able to operate at all with this money. It's not possible to buy, sell, withdraw, transfer or perform absolutely any kind of operations except to view your balance. 
All this time, since XX/XX/XXXX, I was trying to get a solution from the Coinbase Support without absolutely any kind of proper solution or explanation. The best replay I get was something like : " We are working on your review and we appreciate your patience and understanding ''. I didn't get any estimate of the time required to complete the process, not either an explanation about why they started this process or how can I accelerate or help to complete the process. 
Unfortunately the Coinbase Consumer Support is absolutely useless, without any options to contact personally with an operator or even get a proper email communication with an operator. You will get only a kind of automatic replays or simple replays with no information or help at all. 
My current problem is that I'm unable to perform any kind of operations with my account under review and I have no solution or estimate time to get it completed. 
All this time I was missing chances to trade with my cryptocurrencies and hence missing a lot of opportunities to increase my balance. 
At this moment the only thing I need is to get this problem sorted out, my Coinbase account review finished and be able to have back the control of my account with the approximately XXXX $ on it. 
I will appreciate your help and support to get a solution for this and I will propose to raise an advertisement to all Coinbase clients that this issue could happen to anyone at anytime without previous alert, blocking completely all kind of operations in the accounts and without an explanation about the reasons or possible ways to solve it. 
Thanks a lot and best regards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
I contacted XXXX the original debtor. There was a error in there system I paid but they sent my account to collections by mistake. XXXX provided me with a audit form to send to the collection agency to prove I paid this account. They still haven't removed this account from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: AL

Complaint narrative:
XXXX, XXXX, transunion will not remove a fraudulent charge off account that was opened using my social security number. My wallet and tablet was stolen out of my car and later that month a installment loan, along with a buch of inquires for request for credit cards was opened using my social security number. The account was opened XX/XX/2018. Amount {$310.00}. The company is XXXX  XXXX. I have sent them a police report for the fraudulent activity and they still will not remove the negative information. I have been disputing this account for over a year now without any luck. Why am I suffering for someone else 's wrong doing? It's against the law for them to report negative, fraudulent accounts. I need this account removed. Each time I disput this account I ask for some kind of documentation liking this account to me. They always send a letter back verified without any signatures, drivers license, or some kind of contract agreement. I never had a account with these people, nether have I ever defaulted on anything. I have perfect payment history and pay all my bills and credit cards on time.

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 2021-07-26 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: AL

Complaint narrative:
XXXX, equifax, XXXX  will not remove a fraudulent  charge off account that was opened using my social security number. My wallet and tablet was stolen out of my car and later that month a installment loan, along with a buch of inquires for request for credit cards was opened using my social security number. The account was opened XX/XX/2018. Amount {$310.00}. The company is XXXX  XXXX. I have sent them a police report for the fraudulent activity and they still will not remove the negative information. I have been disputing this account for over a year now without any luck. Why am I suffering for someone else 's wrong doing? It's against the law for them to report negative, fraudulent accounts. I need this account removed. Each time I disput this account I ask for some kind of documentation liking this account to me. They always send a letter back verified without any signatures, drivers license, or some kind of contract agreement. I never had a account with these people, nether have I ever defaulted on anything. I have perfect payment history and pay all my bills and credit cards on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: Experian Information Solutions Inc.
State: WY

Complaint narrative:
Experian does not interact with the consumer in any meaningful and constructive way that wastes time and increases frustration in applying and removing credit freezes, Their PIN numbers make no sense, and automated phone service and web page do not function properly. Now I have a credit freeze I can not lift.

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 2021-07-26 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.

Complaint narrative:
I started trading one year ago and putting all my money in a crypt wallet named Coinbase. Everything was okay until one day my account was restrained or blocked. I only can see my savings but I can't buy more, transfer or sell. 5 months ago this happened and I tried 20 times to contact and ask for help and they always answer the same email and telling that muy problem is solved. they don't solve anything and when you answer the same email telling then that they didn't, they tell you to make a new request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26 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: SC

Complaint narrative:
I contacted Equifax explaining that I was sending this identity theft because someone was attempting to open accounts in my name they did nothing but continue to report the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: VA

Complaint narrative:
Had a car loan with Westlake financial for a XXXX XXXXXXXX XXXX. The vehicle was totaled, and i had the vehicle insured. Westlake took back possession of the totaled vehicle and the vehicle shoyld not show derogatory on my credit.

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 2021-07-26 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:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-26 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2018 A secured credit card with CITI bank was Fraudulently opened by roommates who stole and compromised my personal information such as my social security card and personal documents to open fraudulent bank accounts and credit cards in a fraud scheme. I have attempted multiple avenues of approach to try to get this account removed from my credit report such as disputing with the credit bureaus and Citi bank multiple times, Filed a FTC identity theft affidavit and sent it to Citi, Filed a XXXX complaint, paid off the full Balance allegedly owed and then disputed again still no favorable results. Citi bank has responded saying the account was funded and payments were processed from a checking account in my name from XXXX bank so I will be held responsible for the debt, when I explained that the chase bank account was fraudulent as well. This credit card trade line has hindered me access to credit due to its erroneous reporting and I'm am beyond frustrated and Need help to get this fraudulent account removed from my credit report. Citi Has been very uncooperative and can't furnish any documentation such as my signature of any account agreements or driver 's license on file to prove that the account was not fraudulent.

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 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On Saturday. XXXX XXXX I applied online at Capital One website for a credit increase on my Unsecure Visa Credit card as I am eligible for a credit increase as been making on time payments on time since XX/XX/2018 till Present. 
Capital One sent me a decline letter on XXXX XXXX on my credit increase. 
Capital One stated that I was decline because my balance is at XXXX and I only pay {$4000.00} a month I increase my payments to {$100.00} on XXXX XXXX but Capital One will not Approve my credit line increase because of my XXXX XXXXXXXX Status. 

Plus my XXXX XXXX as a XXXX XXXX American .Capital One has decline me on my credit card increase for two years already. 
This is a XXXX and XXXX Issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: AL

Complaint narrative:
I called and spoke with someone a few weeks ago at Equifax explaining that I had a bunch of attempts on my credit report where someone was trying to open accounts in my name. I was told to send in an id theft report which I did then they told me that there were no dates on the report and I would need to resubmit the documentation with dates. I have everything that I was asked to provide on the attached ID theft report. I hope the person that I spoke with was telling the truth & they delete these things.

Company response to consumer: Closed with explanation