vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 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: OH

Complaint narrative:
I pay a service on Experian credit website ( www.usa.experian.com ) which will list my credit scores, inquiries, credit cards in active mode etc from all XXXX bureaus, such as themselves, XXXX and XXXX. Now for some reason XXXX wont allow me to sign in so I gave up even trying. However, I printed out all XXXX inquiry data information starting with Experian ( main holder of information ) and litterally printed and mailed out to each company the information of outdated inquiries, Experian at least updated their side but XXXX and XXXX did not, PHONE CALLS : I called both parties several times, both have STATED they have no attachment to Experian, however when they logged in and seen the Inquiries they stated no such out dated material is there, So what ever is going on its either over looked or there are scam hackers hiding and causing this problem. Would be a glorious day if Federal could get the IP 's of these losers and cut them off completely from the internet but then everyone screams that XXXX  XXXX XXXX XXXX garbage, I guess that covers outside countries to have their way with others for kicks. XXXX - your XXXX XXXX XXXX 
So I took screen shots of the last XXXX Bureaus to show the proof. These are supposed to be removed but someone just doesn't want to follow procedure. Either way, you can go wreck your own life, stay the XXXX out of mine. I bow to no one!

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 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: United Shore Financial Services, LLC
State: NM

Complaint narrative:
During XX/XX/XXXX-XX/XX/XXXX I applied for a loan assumption which was massively delayed and for which I was ultimately denied after 9 months of waiting. I was told I would have to reapply instead of simply remedying the debt to income ratio issue. 

I reapplied on XX/XX/XXXX with the initial request for the assumption loan application packet. Two months later I have still not received it. This is longer than their projected time to receive the loan application. I have also called weekly and been told that I would receive prompt communication from the assumptions department but have not received any communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have dispute XXXX XXXX XXXX  negative reporting on my credit report every time it always comes back as verified from Experian. When I call to get prove of debt validation Im being told they dont have to get that information as long the debt collector tell them its correct. There is no investigation that is done to make sure the reporting is correct. I need accurate reporting if the debt cant be validated it need to be deleted and removed from my credit 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 2023-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: WI

Complaint narrative:
I created a Gemini account to purchase bitcoin. I purchased {$2000.00} of bitcoin and attempted to transfer to my main bitcoin wallet. Gemini denied this every time I tried to transfer due to " security hold ''. I attemped over 10 times throughout XXXX, XXXX, XXXX and XXXX. 

I emailed Gemini no less than 50 times. They occasionally responded, saying they were looking into the problem. 

Then I received notice from Gemini mid XXXX that they were closing my account and I had 5 days to withdraw my money. 

I had closed the bank account I used to open my Gemini account in XXXX and after giving them two other bank account options to send my withdrawal to, they demanded a letter from my bank proving I closed my original bank account. I provided this beginning of XXXX and they stopped responding to any of my emails. Gemini is acting in complete fraud. They have been holding my funds hostage since XX/XX/ and after I have sent them every document they have requested for over 4 months, they are refusing to reply and return to me my funds I deposited on their platform. I send 3-6 emails daily to them without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
Good morning! 

Thank you in advance for your help. After many calls and hours of my time, I've been instructed to file a formal complaint to address the collection effort tied to my identity. I recently received yet another collection notice from FCO ( Fair Collections & Outsourcing ) detailing debt owed to XXXX XXXX XXXX, a residential apartment building located in XXXX, CO. I use the term " yet another '' since this issue has been addressed with FCO in the past, but unbeknownst to me- it has not been resolved and I have been negatively impacted as a result. For added context, I've never lived at this property, nor have I been affiliated with this property in any capacity. Despite this claim, FCO representatives have insisted that I complete a fraud packet and file a police report. 

Since then I have contacted the creditor ( XXXX XXXX XXXX ) directly and confirmed that the debt they submitted is assigned to a different individual with a similar name. They also confirmed that the information submitted to FCO was not mine. In conclusion, this seems to be a clerical error that FCO is responsible for. Despite this revelation, FCO representative XXXX XXXX insisted that I complete their fraud packet and file a police report. Given the information received from the creditor, I can no longer complete FCOs fraud packet, nor can I file a police report as my identity has not been stolen per the explanation above. I've made a good-faith effort to resolve this error with FCO, asking that FCO simply contact the creditor to resolve the issue. Again, I was met with resistance and a requested that I complete further legwork and file a police report. Lastly, I've confirmed that FCO has filed a derogatory mark with the credit bureaus, which has negatively impacted my credit score and ability to obtain preferred financing. 

Thank you, 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 2023-10-20 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: PA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i do not have a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they did not provide me with the original application like i asked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/23 I received an email from CHASE stating that they had received a credit card application from me and was being processed. I did NOT try to apply for a credit card with them. I also received an email from XXXX XXXX stating I had a Hard Inquiry on my account now which effects my Credit Score. I contacted CHASE and have since received two letters from them. The first letter, containing my name and address, just states my request for a credit card needed more information. Reminder I NEVER sent in any application for a credit card with them or any other company. 
The second letter from CHASE, this time containing someone else 's name but with MY address came saying someone has tried to fraudulently open a credit card under their name. CHASE screwed up this paperwork as I am the one who had someone try to open a credit card with my info!! 
I need this taken care of and for my credit score to resume to the score it was before this fraudulent action put on a fake Hard Inquiry to my account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: LEXISNEXIS
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/1980 To who it may concern, The information contains my XXXX Report and LexisNexis Report, the credit reporting agencies is not reporting accurate information. As I call the agencies it was stated they do not reach out to the creditor they use whats in there database to confirm from each other ( LexisNexis feeds off XXXX and XXXX Feeds off LexisNexis ). Inaccurate way of doing things and a fraudulent way to keep thing on my report. I am asking for these agencies to do a full investigation with the creditor or a full deletion. This is not ethical at all and what the agencies is doing is fraudulent Please read all information. Thanks You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that I have the right to privacy.

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

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
I am Requesting all these be deleted : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: Experian Information Solutions Inc.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I had a hacked account due to a phishing scam I discovered occurred in XXXX. I opened a claim on XX/XX/XXXX # XXXX for all of these charges made by a merchant named XXXX XXXX XXXX  who I can not identify to contact directly. I also have a charge not included for {$560.00} from XXXX XXXX XXXX and that charge was handled separately and also denied but without a rebuttal filed despite my request and supporting documents given. I had my claim for fraudulent charges on all of those almost immediately denied. I inquired why and asked for supporting documents of theirs and they said they would mail it and email it neither of which I have received in the last three weeks. I followed up with a rebuttal on claim # XXXX and tried to do include the other charge but was denied a rebuttal for the {$560.00} charge. I ventured forward and submitted additional supporting documents. I inquired about why I had not received XXXX and was told I was not eligible because it has been more than 60 days for some charges. I asked why and they kept saying Regulations E, with no details. I looked into the matter and I believe under Regulation E that I have a legal right to provisional credit since the claim is still under investigation and it has been more than 10 business days. Every time I reach out to the dispute team via chat or phone I am dismissed with canned responses and disconnected without proper resolution. They seem to be avoiding responsibility for fraudulent charges and provisional credit which is what I am seeking due to the severe impact it is having on me and I feel like they are scamming me at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-20 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

My personal information has been stolen and sold to consumer reporting agencies therefore I am a victim of identity theft.

I have tried disputing such claims however nothing has been done. This is effecting my reputation and everyday living.

Pursuant to 15 USC 1681a ( d ), 15 USC 1602 ( L )

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 2023-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was robbed and a victim of identity theft. I filed a police report and a FTC report and submitted them into the credit reporting agencies with my disputes according to the FCRA. The disputes have not been filed correctly and the paperwork has not been attached to my disputes. I haven't received copies of the verification process.

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 2023-10-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
I have bought my house 2 years ago with a XXXX interest rate. My payment was {$2700.00} a month. Last year they raised my rent {$300.00} a mont to {$3000.00} a month. Now this year they raised my mortgage to over {$400.00} a month. Now my payment is {$3400.00} per month. My property taxes went down I am sure my insurance went up a little not {$6000.00} dollars. Something is wrong and they are not fixing it. At a XXXX interest rate this is not right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I received a notice in the mail on XX/XX/2023 which came from Caine and Weiner saying that I have an outstanding debt of {$840.00}. I went on the website immediately and completed the online form to request them to stop collection and to send me information that shows that I owe the debt. I did not receive any further correspondence from them a few weeks later I called to request them to stop collection and to send me information that shows I owe the debt. they sent me back to the website and I filled out the form again. I received no information from them again. On XX/XX/2023 I called them for the third time to request them to stop collection and to send me information that shows I owe the debt. again they sent me to the website saying that I had filed a cease and desist and that's why they had not sent me any information. However, I had never filed a cease and desist. On XX/XX/2023 they sent me documentation via email that shows a XXXX BALANCE ( ie, an outstanding balance of XXXX DOLLARS ). Via email, I asked for additional documentation that shows that there is actually an outstanding balance of {$840.00} but they refused to provide that information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See letters attached

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: GA

Complaint narrative:
I was robbed and a victim of identity theft. I filed a police report and a FTC report and submitted them into the credit reporting agencies with my disputes according to the FCRA. The disputes have not been filed correctly and the paperwork has not been attached to my disputes. I haven't received copies of the verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
HARD INQUIRES POSTED ON XXXX AND EQUIFAX AS STATED AND DATED BELOW 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
HARD INQUIRES POSTED ON XXXX AND EQUIFAX AS STATED AND DATED BELOW 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
My ex put me on her Citi credit card as an authorized user when we were together and I never made a payment using the card. When we broke up I told her to remove me from the account and I threw my card away. Now I found out she never had me removed and her debt that she has on the card is hurting my credit score. I keep trying to contact her and have her get me removed but she purposely avoids me. I tried calling the customer support myself too but I can't even talk to a representative without the card number or the primary account owner 's social security number.

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