vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
As of a report that I obtained on XX/XX/2021, Equifax is in direct violation of multiple FCRA laws by reporting 4 the following alleged, invalidated debts in their database as derogatories, collections, and charge-off accounts : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Equifax is is violation of the following FCRA statutes : 15 USC 1681, 15 USC 1692, and 15 USC 6802. 

I have notified Equifax via mail with supporting documentation that they are in violation of these statutes and that they need to remove this information from their database. I've spoken to them over the phone multiple times verifying that they have received the documentation, which their representatives did confirm receipt but they have refused to remove the alleged, invalidated debts. Which is why I am now reporting Equifax to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I have been a costumer of Exeter Finance since XXXX. The auto loan company submitted 6 late payments during the year of XXXX that was inaccurate due to my contacting them and making them aware of the late payments due to unemployment because of the COVID pandemic. I was advised on a recorded line that they would accept payments late without reporting it as such to the credit bureaus because of the extenuating circumstances at the time. After bringing this to the companies attention they still have not correct the information submitted to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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:
There are items on my credit report that do not belong to me. The following items are inaccurate on my credit report and I would like them to be corrected/ removed as I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts. I need this problem fixed in a timely matter PLEASE! 

XXXX  card Account # XXXX This account is fraudulent and inaccurately reporting to my credit. 

XXXX  XXXX Account # XXXX This account is also fraudulent and inaccurately reporting to my credit. 

XXXX Account # XXXX And this account is fraudulent and inaccurately reporting to my credit as well. 

I have also sent out letters to each Bureau on XX/XX/2021 ( which I will be including XXXX but no resolution or help has been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I was informed on XX/XX/XXXX by a mortgage refinancing company that my credit score was only 'fair ' because of a non-payment of {$29.00} for a bank of america/working assets credit card in the summer of XXXX i have had that credit card since XXXX and have always been on-time with payments. I no not recall receiving an email or letter informing me of the non or late-payment. the first i knew of it was XX/XX/XXXX when the re-fi company informed me of it. it does not appear there was any attempt to reach out to me about the late payment. 

when i learned of the non-payment, i paid if off immediately over the phone on XX/XX/XXXX. i was told that the card has been cancelled because of non-payment. i requested that bank of america delete the account and inform the credit bureau so that my credit score would be increased. 

As i mentioned, I have been a B of A customer in good standing for almost 30 years. to have the non-payment of a {$29.00} - for which i was not notified - lower my credit score seems unreasonable. 

thanks for your prompt attention. 

XXXX XXXX XXXX XXXX, MI 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 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I don't recognize these inquiries nor did i authorize any of these corporations to run my credit XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on 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 2021-07-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I was under the impression that the government was wiping out all loans from XXXX XXXX as they closed a few years ago. I've ready many articles on a bill that was passed last month that forgives the debt 100 %. I spoke to navient who still demanded a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Arena Investors, LP
State: GA

Complaint narrative:
I have reached out to the company and specifically requested that they call me XXXX my personal cell number ) about debt owed and I even provided my cell number to them in which they acknowledged they will start calling me directly but instead they keep calling my job every day, leaving the same message and its creating conflict for me at work. I simply ask that they stop calling my job and just call me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: VA

Complaint narrative:
Jefferson Capital Systems bought this debt from original creditor XXXX XXXX this has been on my credit for 8 1/2 years and its still damaging my credit after 7 years it's suspicious and sposed to come off please help me these people are crooks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL, XXXX XXXX Best Egg XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE, XXXX XXXX XXXX : Disputed Account Notice to Furnisher XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/2021 Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I opened a Crypto Currency Account with Coinbase approximately three-four years ago. During the month of XXXX XX/XX/XXXX I received several text messages of a pending withdrawal from my account. It advised that if it was not me I should click on the link. I did not do so instead removed the Coinbase App from my cell temporarily. During XX/XX/XXXX I reinstalled the Coinbase App and it did not recognize my email or password. I communicated to Coinbase of the problem at least a dozen times by email. The reply I received is that my account is locked. I have tried to have Coinbase unlock my account by way of numerous emails without a satisfactory reply and sometimes no reply from Coinbase. I do not have access to my account despite my plea. Coinbase refuse to address my issue and my funds remain in their custody for the past six months. How can I resolve this issue and or close my Coinbase account. Coinbase remain in possession of my money under the guise that my account is locked despite all my efforts to identify myself as the authorized client.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I, never gave any 3rd party any written consent to report anything on my consumer report. No contract is identity theft.

Concerning all accounts as a consumer I am demanding a deletion of these accounts.

Under 15 U.S. Code 1692h. Multiple debts ; If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
Under XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) In general Subject to subsection XXXX c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 


I, never gave any XXXX party any written consent to report anything on my consumer report. No contract is identity theft. 

Concerning all accounts as a consumer I am demanding a deletion of these accounts. 


Under XXXX XXXX XXXX XXXX. Multiple debts ; If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector XXXX not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I have had an ongoing issue with Chime Bank for upwards of a year. Originally, they froze my account on claims of " fraud '' and once I sent over my documents ( ID, direct deposit information, etc ) my account was restored and I assumed that was the end of it- but I was very mistaken. My account was closed and made inaccessible soon after with a balance of {$15000.00} that I to this day do not have access to. I've called numerous times and have been given the run around/countless excuses as to where or why my refund has not come yet. This has been a complete nightmare for me as that money was the entirety of my savings and I have been through a global pandemic having to scrape by borrowing money from friends and family. Had I known then what I know now what an unreliable bank it was I would have never opened an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: OK

Complaint narrative:
In XX/XX/2020 I was a victim of fraud. Someone attempted to open an account in my name with XXXX XXXX XXXX  and XXXX. Their attempts led to Hard inquires that dropped my score by 40+ points. After months of contact with the creditor, the credit agency, and finally the CFPB I was able to get the fraudulent accounts removed. Unfortunately, the removal of these accounts did not restore my score to its original points.

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 2021-07-12 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:
Transunion Is doing so many illegal credit policies They have changed payment history of XXXX XXXX  in my credit report 3 times in less than one month Not even sending me a single letter of what is going on and always lying that this information came from the furnisher and affecting my credit report with inaccurate information This account is over 2 years old how is keep changing in less than one month 3 times This is bull. This a very ruthless action

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 2021-07-12 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: Stenger & Stenger, P.C
State: CO

Complaint narrative:
XXXX XXXX is showing as the collection agent on an account that was sold after fraud was committed on it by XXXX XXXX XXXX. Upon trying to rectify and settle the account for what I actually owe, it turns out this company is NOT the holder of the debt, but in fact, a law office who is charging me fees regularly is holding the debt. They refused to settle for the actual amount owed, and when I tried to get the name of the law office, the lady refused to give me the name of the company as well as tried to hang up with me after she insisted on arguing with me about whether it was fraud. I repeatedly told her I am not interested in arguing with her, just give me the name of the company so I can start litigation, she told me she is refusing and ending the call. I have NO IDEA who this debt is actually under at this point and they are refusing access to information about the holder to prevent a lawsuit. The young lady I spoke to was named XXXX XXXX, and the number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: FL

Complaint narrative:
Hello, I have contacted XXXX, Equifax and XXXX  regarding inaccurate information reporting on my credit report about " XXXX XXXX XXXX XXXX XXXX '' I think the agencies bureau act intentionally reporting false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
An Analysis Report dated XX/XX/2021 was sent to me from my mortgage company Shellpoint Mortgage Servicing. My monthly mortgage premium was {$4800.00}. As of XX/XX/2021, my premium was increased to {$5200.00}. Upon reaching out to the mortgage company they explained to me that there was a shortage of {$1700.00}, which they would spread out over a 12 months period, which would result in a increase of {$140.00}. Since XX/XX/2021, I tried to have someone explain why my payment was increase and currently my escrow is in the negative of over {$2000.00}. 

Thanking you Concerned Consumer

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation