vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX is claiming that I owe them {$1800.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

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 2021-03-19 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: MO

Complaint narrative:
The following accounts are not mines, these unauthorized accounts shall be removed from my credit file immediately. 

1. XXXX XXXX {$570.00} 2. XXXX XXXX {$810.00} 3. XXXX XXXX XXXX {$240.00} 4. XXXX XXXX XXXX {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: MO

Complaint narrative:
The following accounts are not mines, these unauthorized accounts shall be removed from my credit file immediately. 

1. XXXX XXXX {$570.00} 2. XXXX XXXX {$810.00} 3. XXXX XXXX XXXX {$240.00} 4. XXXX  XXXX XXXX {$180.00}

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 2021-03-19 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: MO

Complaint narrative:
The following accounts are not mines, these unauthorized accounts shall be removed from my credit file immediately. 

1. XXXX XXXX {$570.00} 2. XXXX XXXX {$810.00} 3. XXXX XXXX XXXX {$240.00} 4. XXXX XXXX XXXX {$180.00}

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 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Im a simple person I do simple things Im from XXXX XXXX I didnt go to college, credit was not a priority in my life, until I saw a commercial capital one, I t seemed like thee American dream, and they were allowing me a chance to partake. {$130.00}, I paid my balance off in full every I had no checking account so I sent my payment through United States Postal Service overnight so they would have to sign for it in order to receive it I sent it to the to the address in which I was told to send it they said they didnt receive the payment but the post office sign Ihave them sign for it, they claimed they didnt receive the money order. Cliff note version, I spoke with several managers I submitted copy of the of the postal order tracking number when it was delivered, etc. The money was credit back to my as card. This was through the mail couple weeks later yet again, they take it I check the address given to me by capital one its good..I mailed it in I emailed it I faxed it I wrote in a letter with everything happening I spoke to countless managers and they told me they could fix it and it will be taken care of but the very next month there is the charge again I take it off they put it on take it off put it on etc. this goes on for maybe for five months before I am so tired and fed up I get the same song and dance from all of them the only thing that really hurt me is that like I I thought I was gon na have the American dream and they destroyed my credit I never knew I would care but it hurt me in every aspect from an apartment to a car to even a jobCredit is everything and when they destroy it for something that you did nothing wrong who is the fight for me who helps me I was XXXX for two years living in my van friends house to friends house this is what happens when a big corporation destroy what little credit you have theres so much more detail I just dont have the heart to share anymore disappointment because I cant afford to pay them these that they tacked on when I asked him to cut the card off charges they allowed to happen that I didnt even make it went from $ XXXX {$990.00} last thing I bought shouldve brought my total balance to XXXX maybe but its XXXX how do I pay that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma, LLC
State: KY

Complaint narrative:
My name is XXXX XXXX, ssn is XXXX birth date is XX/XX/01 My only two known addresses since turning XXXX are XXXX XXXX XXXX XXXX XXXX, ky XXXX And XXXX XXXX  XXXX XXXX XXXX, ky XXXX. 
I've tried every credit union I know they all say something along the lines of " file does not match with the credit bureau 's records '' I'm just not sure where else I could be going wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I received a letter from Credit Management LP that I owe a creditor XXXX XXXX ( XXXX ). 
But I believe that I do not owe money. 
The letter from XX/XX/21 Amount : {$59.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19 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:
There are many student loans and an acct on my credit report that Do not belong to me I have not applied for these I have not signed for these or applied for these!!!! I have sent multiple letters to bureaus and furnishers but have not received anything back. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2021-03-19 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: CA

Complaint narrative:
There are many student loans and an acct on my credit report that Do not belong to me I have not applied for these I have not signed for these or applied for these!!!! I have sent multiple letters to bureaus and furnishers but have not received anything back. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: CA

Complaint narrative:
There are many student loans and an acct on my credit report that Do not belong to me I have not applied for these I have not signed for these or applied for these!!!! I have sent multiple letters to bureaus and furnishers but have not received anything back. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : 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 2021-03-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a purchase of a wig from XXXX with my edd card on XX/XX/2020 which I did not receive until mid XXXX. Due to the holidays & covid and the time it was taking to receive mail especially at a XXXX XXXX XXXX did not actually receive it until sometime after XXXX But on XX/XX/XXXX I had respond back to XXXX that I had received the wig but was not satisfied with purchase & wanted to return it. Got several responses back from XXXX telling me not to send back was advised not return because postage is high & risk is unpredictable. Was told to take wig & have it styled & i said with covid could not be done nor did i want to put any more expense into something i was not at all satisfied with. On XX/XX/XXXX they said they would refund me 13 % & that i could keep the wig or sell it. The wig it cost me {$66.00} & any refund less than that amount was not acceptable to me especially after going on their website & reading their refund/return policy says nothing about a percentage of refund. Told them that they were fraudently trying to keep more money than they should be. So I went back and forth with them and the last amount they offered was {$25.00} dollars & to return wig but at this point it does sound like shipping back is unpredictable because they even state this in their website. These companies & their practices are just outrageous have not encountered such practices until now & beside this company Bank of America does not dispute any transaction for the customer they only deal with fraud and they don't even deal with the fraud well as all of world has been able to see. What bank does not back up any transaction made with a card they belongs to them that should be illegal in itself especially when it is a goverment agency they are handling it for.

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 2021-03-19 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: Winklevoss Exchange LLC
State: CT

Complaint narrative:
XX/XX/2021 - I created my Gemini account on XX/XX/2021. 
- While my verification was processing, I connected Gemini to XXXX in order to withdraw funds. 
- I processed a withdraw from XXXX to Gemini  in the amount of {$530.00} - Gemini notified that I was required to complete a domestic wire transfer for ID verification in order to deposit, trade, or withdraw. This directly contradicts the acceptance of my deposit from XXXX. 

XX/XX/2021 I had to open a new bank account because my bank did not support wire transfers ; processed a wire transfer of {$150.00}. 

XX/XX/2021 The wire transfer completes. Gemini notifies me of the transfer. 
Gemini notifies via email that my ID verification is complete : " Your identity has been verified! Sign in to enjoy the full Gemini experience. '' I exchange my {$680.00} USD to XXXX. 
I attempt to withdraw my XXXX to an offline wallet. 
Gemini does not allow me to withdraw XXXX with an error message stating : " Your transfer requires additional review by our risk team and can not be completed at this time. '' There is no indication of what steps should be taken to resolve this issue. There are no instructions for how to proceed. 

I contacted support immediately. The only way is via creating a support ticket, there is no telephone contact information. 
I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: IA

Complaint narrative:
My scores are very low due to many inaccurate information regards payments and accounts and old information in reports, even my name, I tried with them many times and still same problem. I need you to investigate all wrong information about me and remove them. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: FL

Complaint narrative:
i did not consent to, authorize nor benefit from any of the following inquiries, Block and remove them immediately this my third complaint

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 2021-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
My scores are very low due to many inaccurate information regards payments and accounts and old information in reports, even my name, I tried with them many times and still same problem. I need you to investigate all wrong information about me and remove them. Thanks.

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 2021-03-19 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
My scores are very low due to many inaccurate information regards payments and accounts and old information in reports, even my name, I tried with them many times and still same problem. I need you to investigate all wrong information about me and remove them. Thanks.

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 2021-03-19 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: IL

Complaint narrative:
I recently viewed my credit report and noticed several fraudulent and unknow companies reporting inaccurate and fraudulent information on my credit report. I filed a FTC report and notified my local authorities of the issue. I submitted the FTC report to Experian and XXXX  on XXXX XXXX, XXXX to prove thatXX/XX/XXXX, along with XXXX XXXX somehow obtained my information fraudulently from a consumer who has compromised my identity and destroyed my credit integrity on XXXX XXXX XXXX  Less than 30 days later I received an alert saying the accounts were updated with the same information reported from the prior month. I submitted another dispute with the FTC report and including my Driver 's License a current mailing with my true and accurate identity again with both Bureaus and the Companies updated the information again with a late fee added of {$54.00}. I am very disappointed in both Experian and XXXX  in their performance in upholding the consumer laws. I have validated my true identity in each mailing and online dispute with both Bureaus. I want my CREDIT integrity restored and all fraudulent activity in my report that's not mine to be REMOVED.

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 2021-03-19 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: Nelnet, Inc.
State: CA

Complaint narrative:
There are student loans and a few accounts thats are not mine I have been disputing these accounts since last year XX/XX/2020 and I have not received any word back from the bureaus or the furnishers. These accounts are not mine I have not signed or applied for any of these I dont even know what they are for. 

Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : ACCOUNT MANAGEMENT SER Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEM is claiming that I owe them {$430.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19 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:
There are student loans and a few accounts thats are not mine I have been disputing these accounts since last year XXXX 2020  and I have not received any word back from the bureaus or the furnishers. These accounts are not mine I have not signed or applied for any of these I dont even know what they are for. 

Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : 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 2021-03-19 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: CA

Complaint narrative:
There are student loans and a few accounts thats are not mine I have been disputing these accounts since last year XXXX XXXX  and I have not received any word back from the bureaus or the furnishers. These accounts are not mine I have not signed or applied for any of these I dont even know what they are for. 

Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX XXXXT XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: CA

Complaint narrative:
There are student loans and a few accounts thats are not mine I have been disputing these accounts since last year XXXX XXXX  and I have not received any word back from the bureaus or the furnishers. These accounts are not mine I have not signed or applied for any of these I dont even know what they are for. 

Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX XXXXT XXXX  Account Number : 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