vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The Credit bureaus stated - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, - Account name missing XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This ground for removal. 

They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Clear states the credit bureaus have 5 days to notify me from when they receives my disputes.

They Also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ( IN ( li ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The Credit bureaus stated - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, - Account name missing XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This ground for removal. 

They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Clear states the credit bureaus have 5 days to notify me from when they receives my disputes.

They Also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ( IN ( li ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-07-01 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:
Greetings, my name XXXX XXXX and I am reaching out to delete this item from my credit report. I am a victim of identity theft and did not authorize this item on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete this item as soon as possible. 


Account Name : US DEPT OF ED Date Opened : XX/XX/2015 Type of Account : Education Loan 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 non-monetary relief
Consumer complaint received 2022-07-01 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:
Greetings, my name XXXX XXXX and I am reaching out to delete this item from my credit report. I am a victim of identity theft and did not authorize this item on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete this item as soon as possible. 


Account Name : US DEPT OF ED Date Opened : XX/XX/2015 Type of Account : Education Loan Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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 need all inquiries remove off my consumer credit report because I am aware without my lawful consent a comsumer reporting agency may not give out information about myself to your employer without my written consent.If you can provide me with proof of me giving my lawful consent or written notice, but if you can not I need you to remove all inquires immediately or I will send a written notice to the CEO which is XXXX XXXX and the CFO which is XXXX XXXX so we all can be aware of this negative information and need to remove off my consumer credit report.I am aware XXXX and XXXX should be able to provide me with proof of my lawful consent to report negative information without my consent I need all inquires remove from my consumer credit report before send a written notice to the CEO and CFO of XXXX which is XXXX XXXX and XXXX XXXX and also the CEO of XXXX which is XXXX XXXX and the XXXX XXXX XXXX XXXX that everybody is aware and would be tied into XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
On XX/XX/18 I went to XXXX XXXX Virginia hospital East emergency room for XXXX XXXX pain. Mind you, I was diagnosed 2 days prior to this visit on XX/XX/18 with XXXX XXXX  from XXXX XXXX XXXX hospital in XXXX VA. 

Long story short, I did not have health insurance at this time and applied for financial aid help while I was waiting to be seen, I spent 10 hours in the emergency room where I NEVER saw the actual physician only his assistants who told me I had 3 large XXXX XXXX, I asked more than once for confirmation of the size and location only to be told there was actually only 1. 

From there I was told I was unable to receive any pain medication due to the rising opioid epidemic in Virginia. The other nurse who was working with me said that she was sorry and she knew I was in pain and would try to help get me some relief but the nurse refused. 

I left with THE WRONG DIAGNOSIS OF XXXX  including feeling ashamed/ embarassed of myself because I was being stereotyped as a XXXX XXXX and thought that I had done something wrong when I clearly had excruciating pain from XXXX XXXX. 

I then received a bill of almost {$6500.00} that I wrote a letter to dispute which was denied and then I waited apparently too long to pay them and I received a warrant in debt letter and then set up a {$170.00} payment plan dos they wouldn't garnish my wages and this has really affected my life finically. 

I'm writing you to ask that review the enclosed example dispute letter from a company I had asked to help me further dispute this bill. I did not have the funds available to hire them to represent me but I was given the sample letter. Please let me know if you think that you can help me further dispute this bill or if you can point me in the right direction of someone who can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2022-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, Gemini Trust Company , LLC disabled trading and withdraw on all accounts with a negative balance. This adversely locked my life savings on the exchange. I contacted support to offer solution to move balance fron one of my accounts to another to bring one positive but they refused. 

They were always in possession of the asset ( amp  ) that is down in value but have decided to also lock the additional {$10000.00} cash that was in my account. 

They are also holding their own amounts of ( amp  ) that are down in value while promoting it on XXXX. 

This was my life savings, and as a XXXX XXXX I tried to explain this to them with remedy of situation but to no avail would they solve. It could cost me my XXXX. 


- XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: FL

Complaint narrative:
I have been trying to have my account with XXXX XXXX XXXX updated as it is reporting inaccurately. They continue to violate my rights under the FCRA and the credit bureaus are allowing this. This was for a car I had and was in an accident with. The car was totaled and the insurance promptly paid it off. There was no money left over to pay because the insurance company even sent me a check for what was left over. They continuously report this wrong on my report. Each bureau is reporting this one account 3 different ways. I even reached out to the insurance company requesting information regarding payment. They sent me a letter with the information showing it was paid. How can this be showing as a charge off when the insurance company settled the debt. I have sent 3 letters to the bureaus since XXXX requesting removal of this because there is no way they validated this as accurate. I requested information about who they spoke with and when to validate this is they indicate it was validated. I have not received any responses regarding this. One bureau has it as paid while the other 2 has it as derogatory. The account status, date of last activity and account status is inaccurate across all 3 bureaus. With this many errors, how can they believe this to be accurate. Regardless of that, the car was paid off!!! It was paid as agreed and I do not owe anything on it. This is tarnishing my credit history and no one is attempting to resolve this.

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 2022-07-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to have my account with XXXX XXXX XXXX updated as it is reporting inaccurately. They continue to violate my rights under the FCRA and the credit bureaus are allowing this. This was for a car I had and was in an accident with. The car was totaled and the insurance promptly paid it off. There was no money left over to pay because the insurance company even sent me a check for what was left over. They continuously report this wrong on my report. Each bureau is reporting this one account 3 different ways. I even reached out to the insurance company requesting information regarding payment. They sent me a letter with the information showing it was paid. How can this be showing as a charge off when the insurance company settled the debt. I have sent 3 letters to the bureaus since XXXX requesting removal of this because there is no way they validated this as accurate. I requested information about who they spoke with and when to validate this is they indicate it was validated. I have not received any responses regarding this. One bureau has it as paid while the other 2 has it as derogatory. The account status, date of last activity and account status is inaccurate across all 3 bureaus. With this many errors, how can they believe this to be accurate. Regardless of that, the car was paid off!!! It was paid as agreed and I do not owe anything on it. This is tarnishing my credit history and no one is attempting to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to have my account with XXXX XXXX XXXX updated as it is reporting inaccurately. They continue to violate my rights under the FCRA and the credit bureaus are allowing this. This was for a car I had and was in an accident with. The car was totaled and the insurance promptly paid it off. There was no money left over to pay because the insurance company even sent me a check for what was left over. They continuously report this wrong on my report. Each bureau is reporting this one account 3 different ways. I even reached out to the insurance company requesting information regarding payment. They sent me a letter with the information showing it was paid. How can this be showing as a charge off when the insurance company settled the debt. I have sent 3 letters to the bureaus since XXXX requesting removal of this because there is no way they validated this as accurate. I requested information about who they spoke with and when to validate this is they indicate it was validated. I have not received any responses regarding this. One bureau has it as paid while the other 2 has it as derogatory. The account status, date of last activity and account status is inaccurate across all 3 bureaus. With this many errors, how can they believe this to be accurate. Regardless of that, the car was paid off!!! It was paid as agreed and I do not owe anything on it. This is tarnishing my credit history and no one is attempting to resolve this.

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 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I've sent two certified letters to the try and resolve and verify this debt. they responded to the 2nd letter without providing any or all documentation regarding the debt that owed. Action are currently still being reported by the company. 

Certified letter # 1 XX/XX/2022 Tracking # XXXX Amount {$2200.00} Midland Credit Management Certified letter # 2 XX/XX/2022 Tracking # XXXX Amount {$2200.00} Midland Credit Management

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: ID

Complaint narrative:
Hello my name is XXXX XXXX with a false mark on mine and my sons credit report! In XX/XX/XXXX, I co-signed for a truck loan ( XXXX XXXX XXXX low miles, very clean for {$11000.00} at 19 % interest, for 48 months, at XXXX a month ). He paid on it for a year and he unfortunately got XXXX and it disabled hi for continuing paying Westlake Financial Services Inc . He tried to work with them and they never let me know and they came and repossessed it. They sold it at auction and sent me a paper, not a bill of sale. There was know information about the sale - how much, where, when and who. the have there own auction company through Westlake. They indicated it sold for {$1100.00} but hard to believe with out proof that we still owe {$11000.00}. This seems to be very bad and fraudulent business habits. Can you please look this over seems to be illegal? 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 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. Reference # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states consumer reporting agency can not furnish a account without my written in 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 non-monetary relief
Consumer complaint received 2022-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
This is my third and final attempt to resolve this situation. On XX/XX/XXXX or XXXX of 2021 I was fraudulently charged an amount of XXXX by XXXX for a ticket purchase I didn't make. I have tried to get this charge removed without any resolution from my credit card company Barclays. This matter has been repeatedly closed with an unfavorable decision to me despite the facts that there is no evidence of a purchase by me. I have re-attached the letter sent to me by XXXX XXXX XXXX proving I nor any number associated with my account ever downloaded any application or tickets for purchase during the time in question from this vendor or any third party associated vendor. I ask that my case is reviewed by an independent auditor, aka someone other than XXXX XXXX of Barclays as she has no grasp of the situation and is bias to review the actual facts related to this transaction, as there is no way a competent unbias person in her position would possibly rule against me with the evidence at hand.

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 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a startup business and work off minimal funds for now and dependent on the ability to access deposits so I can pay my help, Chase Bank has done this three different times resulting in my employees looking for other employment., now it is Friday and the rest of my people are ready to walk out the door cause Chase has placed a 7 day hold on my check, I contacted the person whom wrote the check to me and they confirmed they received a call and verified the funds but still have a hold on it. I will have to shut my doors on my start up business due to non-payment to my employees thanks to Chase Bank! 
I have read the reviews and it appears I am not alone in my frustration and in my personal opinion they should not be allowed to practice banking and messing with people 's lively hood, today is the 1st and I can't pay my guys... I only hope they don't get evicted! 
Thank you, Chase, you're the BEST!

Company response to consumer: Closed with explanation