vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that Credit Bureaus must look into this matter as required to do so under the FCRA. If CREDIT BUREAUS do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Please fix these Accounts from my report : XXXX  XXXX XXXX Balance Owed : {$1.00}, XXXX XXXX  XXXX XXXX Balance Owed : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
It appears that my credit with has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Credit Bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please block these files. If CREDIT BUREAUS feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX ; XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 ;

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 2022-08-06 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: DC

Complaint narrative:
It appears that my credit with has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Credit Bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please block these files. If CREDIT BUREAUS feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX ; XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 ;

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 2022-08-06 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX  accounts listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXXXXXX 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 Department of education XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
Received USD XXXX for work done by XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX to online Bank Account with Wise ( formerly Transferwise ), XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. 

To transfer USD XXXX from Wise, USA to XXXX and with no direct way to move money directly from Wise to XXXX, I thought to to move USD XXXX from Wise to XXXX by transfer to a XXXX XXXX XXXX  virtual account linked to XXXX. ( account details attached ) On not getting the funds to my XXXX on XXXX XX/XX/2022 as expected, and as displayed on the Wise online funds transfer tracker, I inquired from XXXX. 

XXXX responded saying, " Even if XXXX XXXX is linked to XXXX, there is no set up for XXXX XXXX to automatically transfer funds to XXXX ( that is nowhere in current existing services offered to XXXX XXXX ). '' ( screenshot attached ) They additionally explained that the virtual account at XXXX XXXX XXXX  account and linked to XXXX is not a regular bank account and can only reads funds already in XXXX and can not receive funds directly. Subsequently, I did not and will not receive the USD XXXX through XXXX from Wise. 

I reported the matter to Wise. 

They keep insisting that it is only XXXX that can initiate trace the funds. But I did not transfer from a XXXX account, but from my Wise account. 

XXXX Wise instructions, I asked XXXX to confirm that they indeed sent me the USD XXXX, which XXXX did with a valid bank statement. ( attached ) I also gave Wise my XXXX XXXX  statement for XX/XX/2022 showing I did not receive the USD XXXX as expected. 

REQUEST : could Wise kindly initiate a " trace and recall '' as the USD XXXX is somewhere between Wise and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX  accounts listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 Department of education XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-06 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX  accounts listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 Department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: FL

Complaint narrative:
Under 15 USC 1681 a number 3. You assumed this role without permission not only that you did not have my consent. Under 15 USC 1681 a number 4. You did not exercise your grave responsibility you were unfair, you were partial and you did not respect my right to privacy. You never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 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 a consumer reporting agency can not furnish a account without my written instruction. Please delete the late payments of XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 and report that my account is paid satisfactory as my rights have been violated.

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 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I disputed a closed, wrong reporting acct. They never sent verifiable proof, can't connect the address to the account, this has been going on for over 1yr.

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 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I disputed a closed, wrong reporting acct. They never sent verifiable proof, can't connect the address to the account, this has been going on for over 1yr.

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 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I disputed a closed, wrong reporting acct. They never sent verifiable proof, can't connect the address to the account, this has been going on for over 1yr.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: LA

Complaint narrative:
Apartment complex was listed XX/XX/2022 on my credit report for a little over XXXX XXXX dollars. I spoke with the complex manager she said she could not provide me with information & that she became manager a a little over a month ago & that she couldnt give any info. On my credit report the leased was from XX/XX/2022 til XX/XX/2022. Same day I received a call bk from the property manager before the one I spoke to, she said the tenant who lived there was evicted i ask her did she meet with the tenant at any point to describe the tenant or any supporting evidence or copies ect. Wit whom she signed the lease agreement wit? She responded with had no identification, social, check stubs, that was given to her & that everything was done online. The person also connected utilities over the phone & sent a connection verification letter through email.

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 2022-08-06 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: TX

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last report is not accurate. This ground for removal they also violated my rights under 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 a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KY

Complaint narrative:
I sent {$10000.00} ( XXXX XXXX XXXX ) to a relative in the XXXX in XX/XX/2022 through Moneygram online. A few days later I checked back online and the transaction date was changed to XX/XX/XXXX for some reason and that my recipient should receive the money by XX/XX/XXXX The reference number was XXXX. I waited and waited but my recipient never received the money. So I called Moneygram 's XXXX  number and the representative told me there was a technical issue and to wait 1-2 days and my recipient should receive the money then. I called 3 days later ( XX/XX/XXXX ) to let them know that the money hasn't come through yet and I was told by another representative to wait 24 hours. The next day ( XX/XX/XXXX ) I called again to let them know that the money didn't arrive to my recipient and I was told by another representative to wait another 1-2 days. I called again XX/XX/XXXX and told them the same thing, and that I wanted to speak to their supervisor, a higher department or someone who could actually fix the problem and I was informed that the person I was talking to was the highest department. I was on the phone for almost an hour and the representative promised me that the money will go through within 5 mins. It didn't come through so I called again an hour and a half later and another representative told me to give it another 24 hours. I called again XX/XX/XXXX a little past XXXX since money didn't go through again and I was told by another representative to call again later in the day if money still didn't come through. Later that night I called again and another representative told me to wait another 24 hours and promised me that it will actually go through this time. It's now XX/XX/XXXX and my recipient has not received that {$10000.00} I sent 3 weeks ago. I called moneygram 7 different times and talked to different representative each time and was told that I was talking to the highest department of moneygram each time and was told to wait a certain amount of time and they promised the money will go through each time but it never did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-06 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: LendingPoint Holdings LLC
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Card : Goldman Sachs Apple Card- which is both a general purpose credit card ; AND a deferred payment plan for XXXX devices ( 3 XXXX, 1 XXXX ) with no interest charge for 24-36 months. 

There are two cards for this shared, co-owned ; and are supposed to be available to us both in our XXXX Wallets. 

ISSUES : ( 1 ) the second co-owner is UNABLE to add his card to his Apple Wallet application, and it has been over 12 weeks since problem was first reported to both XXXX and Goldman Sachs WITHOUT any resolution ; ( 2 ) as customer / consumers we are UNABLE to reach senior technical support management for a regular update from either GS or XXXX ; ( 3 ) we use a XXXX XXXX XXXX for ALL our financial and bank statements ( for mail security ), yet GS will not permit customers to use this legal, legitimate addressing method for our accounts ; ( 4 ) GS will not allow both credit card owners to PREPAY ( make additional early payments ), by XXXX device, that are on monthly ( interest free ) payment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I contacted two crypto financial entities Coinbase Wallet and XXXX XXXX XXXX XXXX regarding XXXX in the amount of {$290.00} in my Coinbase Wallet XXXX staked/deposited with XXXX when connecting Wallet  to XXXX governance platform online the staked deposit amount shows XXXX. I have contacted Coinbase Wallet support in addition to making compliant in reference to the following case # XXXX XXXX, XXXX, XXXX, and XXXX unsuccessful in getting a resolution. I have also contacted XXXX via email and messaging which states all though there are restrictions on trading and participating in governance if US resident you can still withdrawal staked deposited XXXX, however coinbase Wallet shows XXXX balance instead of {$290.00} deposit. I have also made complaints to XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX Consumer Complaint Case : XXXX Date Submitted : XX/XX/2022 and SEC Submission Number XXXX was submitted on Wednesday, XX/XX/2022 at XXXX AM regarding this serious matter with Coinbase Wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC
State: VA

Complaint narrative:
I took a loan out with First VA paid off the loan they are claiming that I still owe on the loan when I went to apply for a new loan but cant give me the application information all the state is the card was swiped and used after I paid the loan

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation