vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 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: AR

Complaint narrative:
On XX/XX/2022 I submitted my Identity Theft report through this website along with my identification. I will upload my complaint copy with my other documents. I also uploaded a notarized copy of my FTC Identity Theft report. The FCRA stated that is all I need and a statement acknowledging that the accounts resulted in identity theft and that I don't assume or accept responsibility. ! 5 USC 1681C-2 ( A ) The local police department also stated that as long as the Identity Theft report was notarized and has a report number from the Federal Trade Commission , that's all I need. The company has 4 days to block and delete the information. I received an email from one of the companies asking me to upload my information but the website will not allow me to upload my documents. I am uploading a copy of the email also. I am not able to pull my consumer report from this company. I asked for them to mail me an updated report and score and I haven't received it. Also I am acting on my own behalf. I keep getting told that it's not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On XX/XX/22 the company refused to allow me access to my account or to make a payment online. I tried resolving this issue and they refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
For the better part of XXXX  days Wells Fargo bank tried to collect on a loan without standing. They had not issued a decision letter in the PPP process. They simply demanded payment. Please see case XXXX for reference. After a review, the abuses seem to be part of a pattern, ( See case XXXX ) I am not seeking my money to be returned other than the fees they inappropriately assessed.

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 


These are clear violations of my federally protected consumer rights

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 2022-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX, today is XX/XX/2022. Around the year XXXX I opened a Coinbase account and I used my drivers license to become approved for an account. I purchased crypto at the time, which was Litecoin ( LTC ) and some Bitcoin ( BTC ), I had around $ XXXX in my account with Coinbase. I ended up losing access to my account throughout the years due to losing my phone, and forgetting my account details. I could no longer get in my account. This year, XXXX, around the month of XXXX, I tried to get my account back with Coinbase and was unsuccessful. I contacted Coinbase support on their website, and had to go through re verification and submitting my drivers license to get my account back, which I eventually was able to log into my account. The issue though is that all of my money is gone, no assets are showing in my profile, and no transaction history is appearing on my account. I contacted Coinbase phone support on XX/XX/2022, and I spoke to a Coinbase rep on the phone named " XXXX '' she said there is no history of any transactions on my account, no assets showing, and no money in my account. This is impossible because when I first opened the Coinbase account and made purchases I never sold any crypto, I just left it all in my account. I made purchases of crypto at that time, which was Litecoin ( LTC ) and Bitcoin ( BTC ), and I had left over money in my account. If Coinbase goes based on a persons government identification to open an account, then all my account history, my money and my transactions should be available on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX/VETERANS XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 non-monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PRIMARY RESIDENTIAL MORTGAGE
State: NY

Complaint narrative:
THIS IS THE SECOND TIME THAT I AM REPORTING THAT THIS DEBT COLLECTOR IS ADVERTISING TO COERCE PAYMENT OF DEBT WHICH IS ILLEGAL. THE AMOUNT OF ALLEGED DEBT IS IN A POSITIVE STATE. THIS WAS A CONSUMER CREDIT TRANSACTION AND NO FINANCE CHARGES WAS INVOLVED. THEIR LETTER DOES NOT DISCLOSE THAT THEY ARE A DEBT COLLECTOR. THEY CLOSED THIS ACCOUNT ON MY CREDIT REPORTS AS WELL ADMITTING THEIR ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: MS

Complaint narrative:
BEEN CONTACTING THEM FOR ALMOST A YEAR ABOUT REMOVING THIS FRAUDULENT INFO FROM MY FILE AND NO ONE IS HELPING ME. I FILED A REPORT WITH FTC.

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 2022-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
THIS IS MY SECOND TIME, MAKING THIS COMPLAINT THAT THIS DEBT COLLECTOR IS ADVERTISING TO COERCE PAYMENT OF DEBT WHICH IS ILLEGAL. THE AMOUNT OF ALLEGED DEBT IS IN A POSITIVE STATE. THIS WAS A CONSUMER CREDIT TRANSACTION AND NO FINANCE CHARGES WAS INVOLVED. THEIR LETTER DOES NOT DISCLOSE THAT THEY ARE A DEBT COLLECTOR. THE COMPANY STATED THAT THEY ARE NOT THE COMPANY TO ADDRESS THIS ISSUE, WHICH IS NOT WHAT THE LETTER STATES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account SYNCB/AMAZON PLCC has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-05-24 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of Federal Trade Commissions Identity theft affidavit. Please delete the items as soon as possible.

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 2022-05-24 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of Federal Trade Commissions Identity theft affidavit. Please delete the items as soon as possible.

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 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I receive a letter a few days ago saying I must update my information with the bank, I must contact my banker XXXX XXXX before XX/XX/2022 or the bank will close my account. 
I reach my banker last week XX/XX/XXXX, he said that will send me the documents to sign trough docu sign, since that date I been calling him everyday and sending emails to ask when He will send it. Until today im waiting to see and get the documents to sign. I dont want to have my account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I have reached out to LVNVFUNDG and XXXX who is reporting this debt on my credit report. This is showing an open account but I have not received anything regarding this debt. I've asked for it to be validated and verified but still haven't received documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: MS

Complaint narrative:
BEEN CONTACTING THEM FOR ALMOST A YEAR ABOUT REMOVING THIS FRAUDULENT INFO FROM MY FILE AND NO ONE IS HELPING ME. I FILED A REPORT WITH FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have requested for 5 years the permissible permission used by Experian and XXXX XXXX XXXX XXXX in XX/XX/2017 to have had accessed my credit report. They have yet to give me or give me a reason why they refuse. XXXX simply labels the request as duplicate. Experian employees don't know what to do and answer with the best form reply they can. I feel sorry for these employees to have such a dead end job.

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX # XXXX, XXXX XXXX XXXX, Dept of EDXXXX # XXXX, Dept of EDXXXX # XXXX, Dept of EDXXXX # XXXX, XXXX XXXX # XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax is reporting a collection/charge off on my credit report. I've sent them several letters asking who is the original creditor. I have not received anything telling me who is reporting this negative information. I'm not even sure this belongs to me because they will not send me information regarding this negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: TX

Complaint narrative:
XXXX dealership did not have authorization to run my credit, they have sent a letter to me providing confirmation they were in the wrong. XXXX is one of those companies, they need to delete the hard inquiry off my credit report XXXX. I tried mailing them and it was returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX Account # XXXX Account # XXXX, Has Violated My Rights 15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account without My Written Instructions

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 2022-05-24 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc.
State: AK

Complaint narrative:
on XX/XX/2022 my account was charged with out my consent for {$45.00}, XXXX XXXX. Between XX/XX/XXXX and XX/XX/XXXX several attempts were made via XXXX XXXX and was unable to even report the the bad charge. On XX/XX/XXXX I received a reference number for this charge, XXXX then these charges without consent showed up : XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} XX/XX/2022 XXXX XXXX XXXX {$7.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} On XX/XX/2022 I was issued another reference number in efforts to resolve these bad charges, XXXX. 
This reference number included the following two charges without consent that were still pending and not posted : XX/XX/2022 XXXX  XXXX XXXX # {$45.00} XX/XX/2022 XXXX {$35.00} On XX/XX/2022 I spent more than an hour on hold and in direct contact with the company involved, then the call was cut. I need this resolved - money was stolen from my account. I found this site to issue a complaint, and did so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A Complaint against Capital One Credit Card. Back in XXXX I was approved for a secured Platinum credit card. Sent my {$200.00} deposit via my debit card. After a bad divorce, was trying to repair my credit. I have been in XXXX XXXX for the last XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXl XXXX. The card should have reached me in XXXX. The first rep confirmed to me that the card was sent and sent to the above address. I never got it - whether lost in the mail or misplaced at the facility. While the card is not that important, the principle behind taking my money and not getting the card is important. It was on my list to follow-up so finally after moving to XXXX just XXXX the XXXX from XXXX XXXX XXXX I called and much to my amazement I got treated like I was a scam artist. I got transferred to other reps in their fraud department and finally told them I just wanted my security deposit back. Then, they told me I wouldn't get me money back for two billing cycles and that they would send me a check not to the new address I gave them at XXXX XXXX XXXX XXXX, # XXXX, XXXX, XXXX  XXXX. I told them to send it to the new address and the rep said " no. '' At this point, I was fed up. I just want my {$200.00} back, which I paid through my debit card. I asked to have the money returned to my card- they said no. My resolution - return my money to my card or send the check to my new address- otherwise knowing the XXXX  XXXX XXXX - I will never get it. I didn't get the card so why is a check going to be any different. I also told them I would sue for unfair trade practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, and Experian, have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Additionally, I have given Experian numerous chances to fix this issue by filling a dispute. I filled a dispute on XX/XX/XXXX that were drastically different than the results that were listed on the XX/XX/XXXX dispute resolution that was deleted and or removed from my access by Experian. The results can be seen in the three images from Experian for XXXX XXXX  XXXX BANK. Experian has allowed XXXX XXXX XXXXXXXX BANK to report drastically different information based off of three change stories, to the one that I have told and showed them. 

Experian is utilizing a fictious balance from a closed and settled XXXX XXXX account to report a XXXX % revolving credit balance. They are using this information to justify a lowering of my score as part of their fico algorithm although they know ( because it is part of my credit report on their platform ) that my balance is at XXXX %. 

For their consideration I have included the changing dispute results for Indigo as well as a resolution from XXXX XXXX XXXX BANK that they both supplied additional information for and agreed to. Additionally, I have shared a picture of my XXXX XXXX resolution letter.

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