vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have had these investigated numerous times buy all the bureaus. I have had this account on my record for over XXXX years. XXXX has removed because of the FCRA. Rightfully so obey the LAW. the following should do the same Experian XXXX and XXXX asap!

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 2022-12-22 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: WI

Complaint narrative:
After reviewing the FCRA ( which governs how information is furnished in a consumer report ) as well as consumer law, it has come to my attention that your company is violating the law ( s ) set in place to protect the consumer. Last time I checked, company policies do not trump federal law. If this is the case, send me documentation ( s ) supporting the claim.

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 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I have submitted a request to remove XXXX XXXX from my credit report to XXXX Credit Reporting due to this account being over XXXX XXXX XXXX, and they have not removed it. I am being told I can only request removal once. Account opened on XX/XX/2015. I will upload supporting documents. I would like this account completely removed from all credit reporting agencies right away, and showing a updated on my. Credit report asap. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I have submitted a request to remove XXXX XXXX from my credit report to XXXX Credit Reporting due to this account being over 7 years old, and they have not removed it. I am being told I can only request removal once. Account opened on XX/XX/2015. I will upload supporting documents. I would like this account completely removed from all credit reporting agencies right away, and showing a updated on my. Credit report asap. Thank you for your time.

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 2022-12-22 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: WI

Complaint narrative:
After reviewing the FCRA ( which governs how information is furnished in a consumer report ) as well as consumer law, it has come to my attention that your company is violating the law ( s ) set in place to protect the consumer. Last time I checked, company policies do not trump federal law. If this is the case, send me documentation ( s ) supporting the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: WI

Complaint narrative:
After reviewing the FCRA ( which governs how information is furnished in a consumer report ) as well as consumer law, it has come to my attention that your company is violating the law ( s ) set in place to protect the consumer. Last time I checked, company policies do not trump federal law. If this is the case, send me documentation ( s ) supporting the claim.

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 2022-12-22 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: TN

Complaint narrative:
This not a duplicate and I have never used this site before to make a complaint!! I also am submitting this complaint on my OWN behalf and not any 3rd party because I know my rights I have been a XXXX  for over 35yrs.The fraudulent accounts. inquiries, and addresses found within my consumer report are not related to any transactions that I made. I am alleging that a person or company WITHOUT my AUTHORIZATION used my personal information to apply for goods, services, or money and was successful in creating some accounts. Im elderly XXXX XXXX  my wallet stolen I think from some students as a result I am victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. I swear under penalty and perjury it is a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX AD XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX FRAUDULENT ADDRESSES REMOVE ALL ADDRESSES EXCEPT CURRENT ADDRESS

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 2022-12-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Information about me and accounts are wrong and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: KY

Complaint narrative:
on XXXX XXXX I payed XXXX XXXX of XXXX XXXX on XXXX for a rear end for my XXXX ... he never sent the part..he also ask for XXXX more for insurance but I didn't send it..I relized at the time it was a scam..notified bank..they said nothing they could do it was PNC bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MD

Complaint narrative:
This company has been reporting an invalid medical debt to XXXX since XXXX of XXXX. 

When I requested debt verification, the only documentation they could provide was the name of the company and the supposed amount owed. 

They have yet to produce - A copy of an original written agreement between the company and myself. 
-Proof that they have the right to collect in the state of Maryland This is currently beyond the statute of limitations in the state of Maryland XXXX The procedure was over 7 years ago.

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 2022-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The rep I spoke with never ifs herself or the debt in question. I asked to speak to a manger numerous times, was Put on hold for XXXX minutes, same rep came back, again asked for manager, never transferred me to XXXX and eventually hung. Did not give mini XXXX or record disclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
The company is Gemini Trust LLC and I had cryptocurrency in the account ( Ethereum, Bitcoin and Doge coin ). 


I received and email at XXXX XXXX  on XX/XX/XXXX XXXX XXXX, Your withdrawal of XXXX ETH has been confirmed by the Ethereum network. 


Destination address : XXXX XXXX hash : XXXX Sign in If you did not initiate this action, click here to freeze your account and please contact customer support immediately. 

Team Gemini I froze the account, attempted to fill out a form on their website asking for support, sent emails and even replied to their email... .see below : Re : Gemini is Built on Trust, Safety, and Compliance. 

Sat, XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) To : XXXX Details I loved the letter, unfortunately, my account has been hacked and I have {$15.00} left in my account. {$650.00} was taken. How was this possible? Are you going to refund my money? 

XXXX XXXX At the bottom of XXXX of their emails ( in light gray print ) was : Gemini Trust Company , LLC ( XXXX Gemini XXXX, XXXX XXXX AZ, CA, DE, FL, HI, ID, IL, KS, KY, MA, MI, MN, NC, ND, NM, OH, OR, SC, SD, UT, and VA XXXX XXXX Gemini XXXX in AK and WA ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX I called the number, but all it does is tells me how to email them!!!!!! 

Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below as violated my federally protected consumer rights to privacy and confidentiality under USC 1681 Account name : TN XXXX OF XXXX XXXX XXXX Account # : XXXX XXXX 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 a consumer reporting agency can not furnish a account without a writing instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedate the report for seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has any reasonable cause to believe that the information is inaccurate.

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 2022-12-22 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below as violated my federally protected consumer rights to privacy and confidentiality under USC 1681 Account name : TN XXXX OF XXXX XXXX  XXXX Account # : XXXX XXXX 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 a consumer reporting agency can not furnish a account without a writing instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedate the report for seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has any reasonable cause to believe that the information is inaccurate.

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 2022-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I have a collection from CONVERGENT OUTSOURCING ( XXXX XXXX XXXX XXXX XXXX XXXX  on my account & Ive never applied for or had their services! I contacted them to explain that I was a victim of identity theft and that I needed their account deleted ASAP! This account was open before I was XXXX XXXX XXXX and if they dont have proof of a signature I need this account DELETED!!!

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 2022-12-22 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am not a credit doctor ; I am a natural human being, and a consumer who understands his rights in accordance with the Fair Credit Reporting Act, and the Fair Debt Collection Practice act. I am contacting you regarding XXXX XXXX XXXX XXXX, disputing inquiries they placed in my credit file that I am a victim of identity theft, and they were to block any fraudulent information they provide to the credit bureaus. In my correspondence with XXXX XXXX XXXX XXXX, my letter included my request for validation and deletion of the inquiries, and I enclosed sufficient proof of identity and relevant documents to verify who I am, and that I am a victim of identity theft. 
My initial letter sent certified mail ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2022 and another letter by U.S. mail dated XX/XX/2022 which was my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I emailed them information XX/XX/2022, after speaking with one of their representative on XX/XX/2022 ( XXXX ext. XXXX ), which was the last communication of any sort with XXXX XXXX XXXX XXXX. I received two letters from XXXX XXXX XXXX XXXX, both dated XX/XX/2022, three months later, which is well outside the time allotted to respond to consumer disputes according to the FCRA. 

XXXX XXXX XXXX XXXX has not provided any information I requested neither have they provided competent documentation bearing my signature, nor have they provided any relevant documentation. As a consumer XXXX XXXX XXXX XXXX is violating my rights, including but not limited to 15 USC 1681b ( c ) Fair Credit Reporting Act : Section602 ( A ) my Right to Privacy Section604 ( 2 ) Furnishing information Without Written Instruction Section 605 ( B ) Not Blocking Information on my credit report that is fraudulent Section 611 Not responding/ completing an investigation within 30 days Defamation Negligent Enablement of Identity Fraud Violation of Fair Credit Reporting Act Supporting documents related to this complaint are attached and uploaded to CFPB website as of the date of this communication. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2022-12-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am not a credit doctor ; I am a natural human being, and a consumer who understands his rights in accordance with the Fair Credit Reporting Act, and the Fair Debt Collection Practice act. I am contacting you regarding XXXX XXXX XXXX XXXX, disputing inquiries they placed in my credit file that I am a victim of identity theft, and they were to block any fraudulent information they provide to the credit bureaus. In my correspondence with XXXX XXXX XXXX XXXX, my letter included my request for validation and deletion of the inquiries, and I enclosed sufficient proof of identity and relevant documents to verify who I am, and that I am a victim of identity theft. 
My initial letter sent certified mail ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2022 and another letter by U.S. mail dated XX/XX/2022 which was my last XXXX XXXX XXXX XXXX XXXX XXXX. 
I emailed them information XX/XX/2022, after speaking with one of their representative on XX/XX/2022 ( XXXX ext. XXXX ), which was the last communication of any sort with XXXX XXXX XXXX XXXX. I received two letters from XXXX XXXX XXXX XXXX, both dated XX/XX/2022, three months later, which is well outside the time allotted to respond to consumer disputes according to the FCRA. 

XXXX XXXX XXXX XXXX has not provided any information I requested neither have they provided competent documentation bearing my signature, nor have they provided any relevant documentation. As a consumer XXXX XXXX XXXX XXXX is violating my rights, including but not limited to 15 USC 1681b ( c ) Fair Credit Reporting Act : Section602 ( A ) my Right to Privacy Section604 ( 2 ) Furnishing information Without Written Instruction Section 605 ( B ) Not Blocking Information on my credit report that is fraudulent Section 611 Not responding/ completing an investigation within 30 days Defamation Negligent Enablement of Identity Fraud Violation of Fair Credit Reporting Act Supporting documents related to this complaint are attached and uploaded to CFPB website as of the date of this communication. 

Sincerely, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: OneMain Finance Corporation
State: MS

Complaint narrative:
Inquiry from OneMain Financial appeared on my credit report today XX/XX/XXXX and I have not done any business with this company and I have not been applying for additional credit at this time. 

ONEMAIN Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Personal Loan Companies Contact info Address po box XXXX XXXX, XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I signed an agreement with GM Financial to lease a XXXX XXXX electric car. The agreement was to expire on XX/XX/XXXX. 
Based on the agreement, I pay a monthly charge and be entitled XXXXo drive 15,000 miles per year, or 1,250 miles per month. 
On XX/XX/XXXX, I contacted GM Financial to extend the lease agreement and GM Financial agreed to extend the lease agreement for two months. With the extension of the lease agreement, both GM Financial and I understood that the allowed mileage will be increased proportionally to be 15,000 X3 +1250X2= 47500 miles. I also paid additional monthly charges to GM Financial for the XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX, I returned the car XXXX day before the new end date of the lease agreement. The odometer read : 48,304 miles. 
After that, GM Financial sent me a bill charging me, among others, a milage fee in the amount of {$820.00} ( = ( 48304-45000 ) X0.25 ). This amount was calculated based on the originally allowed mileage of 45,000 miles, but failed to consider the 2500 miles of additional two months of driving.

I paid GM Financial based on the following calculation : ( 48304-47500 ) X0.25 = {$200.00} and also explained the reason. 
GM Financial refused to listen to my explanation and also reported this issue to the credit agencies. GM Financial 's capricious business behavior damaged my credit score and impacted my financial activities including my loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I got an alert from my credit report saying that an inquiry was made on my account for JPMCB for dates XX/XX/XXXX and XX/XX/XXXX. The date XX/XX/XXXX I didnt see before because I just started checking my credit report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
For years, Capital One has been sending me a remittance coupon statement, as the payment for which is owed. I have recently found out that these detachable coupons sent to me as a bill, are a way of payment. I've been paying them via online because they want you to feel like it's quicker, but it's actually to distract us and not notice that these are actually checks/money orders. I mailed out my remittance coupon certified, which they received with a notarized letter attached with a list of Consumer Law codes that states a coupon is worth whatever the face value it has printed on it. Banks are redeeming the coupon with the government and receiving another payment from my trust. They are double dipping and getting paid twice. And instead, they send me a letter asking me to re-iterate what I sent them in my letter addressed to the CEO as if they didn't understand or just prolonging the process, and want me to respond to customer service. I find this as brushing it off so that I can keep getting run arounds.

Company response to consumer: Closed with explanation