vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the past week, I've tried to get the three free credit reports that have been heavily promoted. XXXX provided an immediate report online, no problem. 

For the past week, Experian has said they could not provide a free credit report at this time. XXXX  wants to torture requestors by making us fill out an online form and then require a mail-in form instead. Clearly, Experian and XXXX  are trying to complicate or circumvent the free credit report requirement.

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 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I contacted the third-party collection agency I made an arrangement to settle what was owed but they still report me as derogatory on my credit report. I informed them that I was unhappy with that type of report could they please remove the derogatory statement and stop reporting it that way because I am trying to get a home and I cant because of the negative report and they denied me so I also said to them according to the fair credit report act I have a right not to have derogatory information in my report and they dismissed it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an offer from " Citibank Priority Savings '' to get {$700.00} to open an account with $ XXXX and keep it there for three months. That was up on XX/XX/XXXX and I got no money. After a couple weeks, I contacted them thru their chat and was told it takes up to 3 months " for processing. '' ( How much time does it take to credit an account!? ) So that put is at XX/XX/XXXX. In XXXX, still no money. Did another chat, they started a dispute. Dispute was " resolved '' by saying they were not aware of any such offer. Called XX/XX/XXXX and explained the situation. Asked for a supervisor. Said, " Give me the {$700.00} or close these accounts and get me a cashier 's check TODAY. '' He said that was not possible and then hung up. 

They must be held accountable for this bait and switch.

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 monetary relief
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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: PA

Complaint narrative:
Experian and XX/XX/XXXX are incorrectly reporting two accounts that were closed in XX/XX/XXXX. Two accounts XX/XX/XXXX account number XXXX, and XX/XX/XXXX XXXX are actively reporting each month. Both were included in a Chapter XXXX discharged XX/XX/XXXX. Experian and XX/XX/XXXXare reporting these creditors updates every month, which may be seen as an attempt to collect a debt, a violation of the FCRA regarding bankruptcy. When I contested this practice, Experian and XX/XX/XXXXupdated those accounts to look like the accounts are current as of XX/XX/XXXX. Experian andXX/XX/XXXX will not fix this, which may violate them FCRA. I have been denied credit due to this error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: TX

Complaint narrative:
I received a chime debit card that I HAVE NEVER APPLIED FOR. I have tried to contact the company numerous times without success, they do not have a direct phone number, unless you are trying to enroll with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
My brother, father and I invested {$5000.00} in XXXX through a company called Coinbase in 1st week of XXXX in XXXX. We know this as that is when the Coinbase emails confirming our new account were sent to us. We do not know exact date as we can not access our account. We invested as a family and decided we would hold it for a long time. Roughly 6 months ago, I noticed XXXX was going up in value and decided to check the account balance on my Coinbase application. When I checked our account, the account showed a zero balance with no transaction history. The account did not even show where we transferred the {$5000.00} into Coinbase either. So, I submitted a case # to Coinbase immediately regarding our issue. My case number is XXXX. I have sent over 50 different emails in the last 6 months trying to access my account but Coinbase Support does not answer the phone and they keep sending me the same information over and over again via email and I am getting absolutely no where. I have pleaded with Coinbase Support to help me figure out where our hard earned {$5000.00} is and they still have not responded even after 6 months of time and over 50 emails. Also, I went on XXXX and there are thousands of people just like me that are experiencing the same issue with Coinbase and all within the same time frame too. My family and I are distraught, and with the virus and issues with the economy, we need this money badly. Even if we only get our original investment we would be happy even though it has to be worth over {$20000.00} at this point. Please please help my family and I get our money back. Thank you so much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently filed a complaint about XXXX XXXX XXXX XXXX. This collection agency reported an account on my credit file with the original lender being " XXXX XXXX XXXX XXXX '' from 2018. I have FINALLY tracked down the original lender XXXX, who tells me that the first time I called XXXX XXXX XXXX XXXX, they should have taken my insurance information for billing. I had medicaid and VA XXXX at the time of service XX/XX/2018. I just spoke to someone at XXXX XXXX XXXX XXXX who refuses to taken any insurance information. This is unacceptable. This account needs to be removed from my credit file IMMEDIATELY!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, XX/XX/XXXXand XX/XX/XXXXhave reported a 30-day late payment/payment status on my credit report, which I am not late.This late payment reported on XX/XX/2021, which the account is not 30-days late at all. In addition, I have contacted the company, which is XXXX XXXX XXXX, on XX/XX/2021, on that Saturday. Once I contacted XXXX XXXX XXXX regarding the late payment, they told me that they did not report that 30-day late payment and their records show that I am not late 30-days. Also, they stated that their system does not show 30-days late and their system shows as pays as agreed. So, I am puzzled on how that late-payment got on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I responded to an ad on XX/XX/XXXXfor an apartment rental in downtown XXXX XXXX for the month of XXXX. I checked the ad with the building website and all the pictures and descriptions matched the company website. I signed the lease and wired the money for {$3100.00}. When I went to pick up the keys there was no apartment. I talked the building manager and he told me that no such apartment was for rent in that building. I then tried to get my money back but no luck. I worked with my bank XXXX XXXX XXXX, chase bank and the XXXX XXXX police department Case # XXXX officer XXXX XXXX XXXX. 

I was told chase can not send the money back without a police judgement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have been getting calls from the National Credit adjuster almost every day when my account was under collection. I paid off my collection back in XXXX of 2018 and was promised that my account will be updated on my credit report. However, they never closed the account and the account is still listed and open in the collection account. I have called so many time to try and have this problem resolved but was always transferred to the credit report team which are the team that is supposed to resolve the issue. Sadly, that team never answer the phone and always ask to leave a voicemail. I left so many voicemails but never got a callback. 
This an unfair and unethical business practice. I was being harassed with calls when I owed, and after I paid off, you did not do your part of closing and reporting the account properly. I kindly have been reaching out since 2018 to get this updated and never able to get a hold of someone in the credit report department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I like to file a dispute for unidentified fraudulent items on my credit report for the following : USBK COURT XXXX  PENNSYLVANIA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX I have attached ID Theft Report XXXX with this complaint. Please review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
TODAYS DATE:XXXX AARGON COLLECTION AGEN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shal
l apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON COLLECTION AGEN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Southwest Stage Funding
State: TX

Complaint narrative:
I have tried working with XX/XX/XXXXabout continuously reporting a late payment in the amt of XXXX from XXXX of 2019 they ran the payment before the money was in the acct once the funds were deposited the account was short Due to previous attempt from XXXX XX/XX/XXXX they reached out to us by phone and we were told if payment was submitted the would not report it but they. Did now from what I gather from XX/XX/XXXXthey can report this payment every 24 months and it will continue to make my score decrease until 7 years has passed so no matter how hard I work every two years my score will take a bit with XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I spoke with representatives at each of the bureaus to advise I have been a victim of identity theft as well as exposed to the XX/XX/XXXX data breach and wanted to unauthorized accounts and inquiries that were placed on my report as impermissible use to be deleted. I was told to mail or fax in FTC report along with a notarized affidavit for the account and inquiries in question that were fraud and they have failed to comply with the law. I never authorized anyone to pull my credit nor did I give anyone permission to report any information to my credit profile without my written consent, this is a clear violation of my rights under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person. This makes me feel like the bureaus don't have to follow the law and its causing me too much stress when I'm the one who is suffering as a victim. Its 45 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I won a prize in solar last week, and then XX/XX/XXXX opened a cashier check and gave me about XXXX US dollars. I deposited it into my checking account. After 2 days, the money has been shown to be available. I am investing, The in and out account was relatively large, so I bought a little digital currency and returned the credit card, but after a day, the citi bank took the money back. The bank customer service said that the check might be returned and told me it was a bad check. I said it was impossible! As a result, all my payments were returned and the bank was overdrawn. My money was not released until 4 days later, but I couldnt log in to the bank the next day. I called to ask them. I couldnt understand what this is. The reason, I went to the bank to ask about the situation yesterday. The bank customer service said that the reason for the checkpoint was ID fraud and that my ID was real. Then the bank representative said that you can only wait for the letter and make a decision. I really dont know how to deal with this problem, I hope I can get your help! Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To my knowledge I don't have a credit score, so I've been working on making it by obtaining a secure credit card with XXXX. I also downloaded the Experian app as it was highly recommended when I intended to check my credit score. In the app it says i have Outstanding Debt, but have never gotten any loan and not paid it off. the only loans I've ever gotten are from XXXX XXXX. it was suggested that it may be from XXXX  as some credit cards have annual fees, so i checked my account balance and i have no such charges, i checked the website and i see in big bold letters that the specific card i have has no annual fees. 
Now to my knowledge i don't owe anyone any money. as i said i just got my first credit building credit card and have no current debt with XXXX. 

I should also mention that on every identification that i have my First name is as listed, but i have two last names and it only shows one, my last name is hyphenated, it doesn't always show up but both last names do i attached screen shots from my XXXX card statements, the outstanding debt info that shows on Experian app and the advertisement from the secure card i got and one of how my name shows up in the Experian app, you can see how it should be on the statement from 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 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've disputed it several times at least 4x in year and im getting a reason of facts all i continue to get from experience is a notice saying it's accurate but without factual support

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the past week, I've tried to get the three free credit reports that have been heavily promoted. XXXX provided an immediate report online, no problem. 

For the past week, XXXX  has said they could not provide a free credit report at this time. Equifax wants to torture requestors by making us fill out an online form and then require a mail-in form instead. Clearly, XXXX  and Equifax are trying to complicate or circumvent the free credit report requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I like to file a dispute for unidentified fraudulent items on my credit report for the following : USBK COURT XXXX  PENNSYLVANIA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX I have attached ID Theft Report XXXX with this complaint. Please review.

Company response to consumer: Closed with explanation