vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: KY

Complaint narrative:
Credit karma isnt letting me access my money at all.. they ask for verification of my identity. I gave them what they needed and didnt do a thing bout it..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporing act XXXX Account XXXX, has violated my rights. 
15 US.C 1681 segion 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 furish 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 explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report XX/XX/2024 and noticed two fraudulent accounts on my report. I disputed with XXXX, XXXX  and equifax and they said everything was correct but that is not the case. The response about my report is not accurate. 
This is not my account. I have no knowledge of this account. 15 USC 1681b. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report XX/XX/year> and noticed two fraudulent accounts on my report. I disputed with XXXX, experian and XXXX and they said everything was correct but that is not the case. The response about my report is not accurate. 
This is not my account. I have no knowledge of this account. 15 USC 1681b. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists

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 2024-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I have a collection of {$420.00} from XXXX XXXX XXXX. This is fraudulent activity. The collection is for a XXXX XXXX XXXX. My middle name is XXXX, not XXXX. There is also an address listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I have never been to this place let alone resided at the property. I spoke with a debt collection and explained the issue at hand. They are not willing to assist me and asked where my police report is. I have never been a victim of fraud, so I did not know what steps to take. I plan to file a police report this week in response to the fraudulent activity on my account. I have a lease agreement showing that I lived at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) from XXXX XXXX XX/XX/2023. I have never lived or been to an XXXX XXXX XXXX. This is a case of identify theft, and no one seems to want to work with me to resolve this issue. I have filed a police report with the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporing act XXXX Account XXXX, has violated my rights. 
15 US.C 1681 segion 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 furish 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 explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporing act XXXX Account XXXX, has violated my rights. 
15 US.C 1681 segion 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 furish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I was contacted by Central Portfolio Control at the phone number ( XXXX ) XXXX which when searched is the number for the XXXX XXXX XXXX XXXX XXXX to pay warrants and tickets at XXXX on XX/XX/2024. When I called the number back at XXXX on the same day, I was informed rudely that I was not correct and that was not the number. I work as a Police Officer for the XXXXXXXX XXXX XXXXXXXX and when I stated such, the operator hung up. I feel they were spoofing the number of the Municipal court in order to make whomever called feel pressure to pay them. This feels like a deceitful and dishonest practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Winklevoss Exchange LLC
State: MD

Complaint narrative:
There is no law or rule barring my account from being unlocked while I am not present in the US. I have provided Gemini with all of my original documents and all additional documents that they have asked for to complete the reverification process. 

The issue is Gemini wants me to be in the US for them to unlock my account, even going as far to ask for my travel documents. There is absolutely not law or rule saying that I must be present in the US for my account to be unlocked. The only rule that I violated was logging in to my account outside of Gemini 's area operation. Again I have provided all necessary information for my account to be unlocked, but Gemini does not want to unlock my account unless I am in the US so now they are claiming that my explanation is insufficient and that combined with my documentation is not enough to have my account unlocked. 

Furthermore, Gemini has lied numerously in their responses to my previous complaints. When I pointed this out and provided evidence, they then changed their story and swapped the dates at which they, " determined that the explanation and documentation provided by XXXX XXXX is presently not sufficient to restore full access to his Gemini account ''. 

This is a blatant manipulation of the events so Gemini can avoid responsibility for poorly handling this situation. I have completed all tasks on my side, but Gemini for some reason believes they have a right to demand where I must be in order for my account to be unlocked. Again there is no law or even rule stating that I must be in the US for my account to be unlocked. 

Gemini continues to refer to the original offense which I have already worked with them to solve, yet they have chosen to obstruct the solution by presenting a baseless rule that has no legal grounding. I have asked numerous times for Gemini to cite the specific rule or law that requires me to be in the US for my account to be fully unlocked. When I do this they refer to the original rule that my account must not be accessed while outside of Gemini 's area of operation. This is a non-answer and does not prove that my account must remained locked while I am outside of their area of operation. 

Again, I appeal to Gemini to unlock my account. They have all of the necessary information to do this, so it is their obligation to do so regardless of which country I am currently in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: AL

Complaint narrative:
Company claims to be a debt collection agency collecting for XXXX XXXX XXXX XXXX in Georgia. 

Company claims I had a hospital stay at some point in the past. 

Company provided no signed documents or proof that the medical debt belongs to me. 

I haven't been to this hospital. 

I haven't been to a hospital in Georgia. 

Company provided only letterhead with medical information attached. 

Company has not followed through with any proof that I owe this false debt beyond what very well could be someone having used my information through identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AR Resources, Inc.
State: GA

Complaint narrative:
During my last conversation with the lady at AR RESOURCES INC ( XXXX I believe ), I explained to her that I would not pay {$50.00} per month like I have been for the past XXXX months. She has not tried to work with me in settling in full. I have asked multiple times. So our last conversation, I asked her to provide me with everything - all documents and amounts that I owe and to mail the to me. I told her I refuse to pay anything more until I see how much her company purchased my debt for. She told me that such documents dont exist! So she retaliated by reporting my debt. 

When I locked my credit card and she couldnt process my payment, she ran it repeatedly to try to complete. I have asked her repeatedly to negotiate in full but she says she can only do a XXXX percent discount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have requested from XXXX, XXXX and transunioun signed documentation of the original debtor and date as well as documentation of validation on three seperate occasions and it was never provided as well as my personal information is incorrect

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 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
First things first. My credit score is above XXXX and has been for many years. 
I unfroze my credit reports on XXXX XXXX. Applied for Sam 's Club MasterCard on XX/XX/XXXX. Bank checked credit same day. 
Received letter dated XX/XX/XXXX several days later, advising that I need to call them to verify my identity. I did that on XX/XX/XXXX. They asked a few questions and I was told that I would be receiving a letter in the mail within 10 days advising status of the application. Letter never received.. 
XX/XX/XXXX sent an e-mail to Sam 's Club advising I had not received a reply from the bank. 
XX/XX/XXXX Received a call from Sam 's Club and explained the problem. They connected me directly to a representative of Synchrony Bank. Could not get any satisfaction from the rep, and I asked to speak with a supervisor, which I did. My concern is why is it taking so long to get a credit card, when other banks promise instant approval. After arguing with this supervisor, she finally told me that the card application was denied. Pressing for a reason, she said they could not verify my identity. Kind of ridiculous, because I called them. If they weren't able to verify my identity, that surely wasn't my fault. Obviously, they didn't ask the right questions. I was told I would be getting a letter in the mail That was almost a month ago. Still no formal written denial of my application. 
The supervisor then went on to tell me to apply again. That is absurd. 
First off, the inquiry to my credit report was the first one since XXXX. I refuse to re-apply because they were given enough information in the first place. Secondly, l will not unlock my credit reports as I do not want an unnecessary inquiry on there. I am a former XXXX XXXX and I am very familiar with how this stuff works. 
The Sam 's Club Master Card has many benefits, and the store pushes it almost with every purchase. I don't think Synchrony Bank is doing themselves or Sam 's Club any favors if how I was treated is par for the course. Why does it take such a long time to get any response from the bank? That is one of my complaints. Being denied for them being unable to verify my identity is not my fault.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nexum Group Inc
State: FL

Complaint narrative:
100 % wrong person, I do not know anything about this. 

I reached out to Nexum Group XXXX XXXX XXXX but they refused to send me and info.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
1. On XXXX XXXX, XXXX  Wells Fargo Bank ( WFB ) notified me via email that my Social Security deposit was " available '' in the amount of XXXX. I then initiated several electronic bill payments via the WFB online bill pay system. 
2. The next day XXXX XXXX, my checking account showed a negative balance of approximately ( XXXX ). This prevented me from accessing my funds all together even though the balance should be XXXX positive. 
3. When I called the bank on the phone I was told that I would not have access to my funds for at least one-week. 
4. My funds were finally made available XXXX on XXXX XXXX. 
5. I then downloaded the record transaction history for my checking account and discovered that the sequence of transactions were dated to reflect different dates from those that actually occurred. 
6. A WFB from the executive office initiated an investigation but failed to admit to the bank error and failed to correct the root cause of the bank error which is apparently a software issue in their computer system.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have requested from Equifax, XXXX and XXXX signed documentation of the original debtor and date as well as documentation of validation on three seperate occasions and it was never provided as well as my personal information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have requested from XXXX, experian and XXXX signed documentation of the original debtor and date as well as documentation of validation on three seperate occasions and it was never provided as well as my personal information is incorrect

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

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 2024-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
We were granted an extension with Toyota and Lexus Financial in XX/XX/XXXX, extending our payment deadline until XX/XX/XXXX. Despite clear communication with a representative, affirming that the extension was secured prior to any potential late payments, we are now facing discrepancies. Our credit scores, XXXX and XXXX respectively, highlight our responsible financial management. However, recent experiences have left us questioning the professionalism of the service provided.Last 4 account numbers of all cars approved.XXXX, XXXX, XXXX, XXXX. 

Additionally, while the website allows for payment at any time, we have encountered issues making payments at XXXX XXXX. Moreover, our request to change the payment date for all five of our vehicles to the XXXX was initially approved verbally, yet one vehicle, the XXXX, still reflects the original due date of the XXXX. Despite multiple follow-ups over three months, we have yet to receive the necessary form for this adjustment. 

This recurring need for communication, coupled with discrepancies in payment processing and date changes, is not only frustrating but also reflects poorly on Lexus Financial. Our commitment to timely payments has been undermined by these administrative shortcomings. Furthermore, the recent sudden inclusion of the XXXX in auto-pay, without our consent, raises concerns about the handling of our account. 

We implore Lexus Financial to address these issues promptly to prevent any further damage to our credit and restore our confidence in their services..

Company response to consumer: Closed with explanation