vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I instructed all XXXX credit bureaus to put an extended XXXX  year FRAUD alert on my file and to stop giving my information out against my wish. My former employer and specifically the money laundering organization XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX MO XXXX who laundered my recovery from the SEC enforcement act and is continuing to launder from XXXX and XXXX stole my cell business phone and a brand new XXXX I had yet to use a few days ago. They have been cyberstalking me since 2011 and heard anti trust agents tell me my credit was so good and ask me what my name was. I knew I was being cyberstalked so I said XXXX XXXX and absolutely said I would testify against these criminals. They waited and stole my identity again and continue to tamper with a federal witness by way of unathorized cyber attacks and lurking without my authorization. All my communications have been monitored since 2011.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NC

Complaint narrative:
Nexuslexis made a report stating accident with XXXX XXXX. I had no accident with XXXX XXXX. I had a speeding ticket that is it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed several unauthorized inquiries on my credit report that I would like removed. I am a victim of identity theft. 

List of inquires below : XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/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 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Recent changes to your PayPal Credit ( by Synchrony Bank ) agreement. Starting in XX/XX/year>, a {$1.00} fee will be charged to your account each month you are sent a paper billing statement. You can avoid this fee if you elect to receive and are sent your statements in electronic form only for each billing cycle. 

I do not wish to have to log in to get my statement. I do not want to pay the paper statement fee either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX I had discovered i had theft on my checking-saving accounts.The total amount was XXXXThe same day I notified Wells Fargo claims XXXX.who documented claims.The claims XXXX advised me to close my accounts.XXXX  Went to wells fargo spoke to XXXX XXXX closed accounts.I said what about XXXX. XXXX told it would be fine. XXXX fraud on my XXXX Called fraud dept. letters from Wells Fargo stating the transactions were from an online secure session by me or someone that had my authority.I have never used XXXX nor did i give authority.Since XXXX until XXXX have been denied. It amazes me that when i was back in the bank on XXXX i wanted my XXXX  removed I was told that it couldnt be by XXXX and XXXX but they could secure it.XXXX I received a letter from XXXX denied again but As of current im enrolled. I did not request!!! You want proof of my identity being stolen it was stolen. As this is a huge problem. I cant trust Wells Fargo for securing my money as they have had so many problems and well known for this. You lie saying everything is secure well nothing is secure!!!! Not even this so call XXXX.You dont back your customers. I am dealing with the FBI, FTC. Wells Fargo you are giving me the runaround.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I used the XXXX app to make the payoff quote of {$1900.00} on XX/XX/XXXX. 
I called in and spoke to a rep on the XXXX to confirm that no additional amount was due and to close the account. The rep said no additional amount was owed and closed the account. 
I later get a statement in the mail that says {$7.00} is due on the account by XX/XX/XXXX. ( I did not open this envelope until last week as I thought it was junk mail/advertisements asking me to come back as a customer. ) I called on XX/XX/XXXX and was hung up on ( or the call just mysteriously disconnected ) by XXXX and another rep before calling in a third time to be transferred to XXXX who said he listened to the call and verified that the rep back on XX/XX/XXXX understood my intentions were to payoff the account, close it, and not owe any additional amounts. 
XXXX said that I now owed {$8.00}. 
I told him that I didn't mind paying the amount if that's what I owed but was never told about it and didnt think it was right for XXXX to cause my XXXX score to drop more than XXXX points since then to now as a result of reporting the account as delinquent. 
BE REASONABLE FOR A MOMENT : Ive never had a late payment with XXXX, so based on my past payment history, if I owed another {$8.00} ( or however much it was at the time ) would I not pay that too after paying such a large some in contrast ( {$1900.00} ) and closing the account? 
You would think this would prompt the company to call or email but they never did. 
XXXX said even though I was told I didnt owe anything back on XX/XX/XXXX, I still had to pay the amount and there was nothing XXXX would do about repairing my XXXX score. 
After waiting on hold for more than 40 minutes, I paid the {$8.00} with XXXX over the phone. 
How do I know another six months from now I wont receive a new statement saying I owe {$5.00}? 
This is EXTORTION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I used the XXXX app to make the payoff quote of {$1900.00} on XX/XX/XXXX. 
I called in and spoke to a rep on the XXXX to confirm that no additional amount was due and to close the account. The rep said no additional amount was owed and closed the account. 
I later get a statement in the mail that says {$7.00} is due on the account by XX/XX/XXXX. ( I did not open this envelope until last week as I thought it was junk mail/advertisements asking me to come back as a customer. ) I called on XX/XX/XXXX and was hung up on ( or the call just mysteriously disconnected ) by XXXX and another rep before calling in a third time to be transferred to XXXX who said he listened to the call and verified that the rep back on XX/XX/XXXX understood my intentions were to payoff the account, close it, and not owe any additional amounts. 
XXXX said that I now owed {$8.00}. 
I told him that I didn't mind paying the amount if that's what I owed but was never told about it and didnt think it was right for XXXX to cause my XXXX score to drop more than XXXX points since then to now as a result of reporting the account as delinquent. 
BE REASONABLE FOR A MOMENT : Ive never had a late payment with XXXX, so based on my past payment history, if I owed another {$8.00} ( or however much it was at the time ) would I not pay that too after paying such a large some in contrast ( {$1900.00} ) and closing the account? 
You would think this would prompt the company to call or email but they never did. 
XXXX said even though I was told I didnt owe anything back on XX/XX/XXXX, I still had to pay the amount and there was nothing XXXX would do about repairing my XXXX score. 
After waiting on hold for more than 40 minutes, I paid the {$8.00} with XXXX over the phone. 
How do I know another six months from now I wont receive a new statement saying I owe {$5.00}? 
This is EXTORTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
I used the XXXX app to make the payoff quote of {$1900.00} on XX/XX/XXXX. 
I called in and spoke to a rep on the XXXX to confirm that no additional amount was due and to close the account. The rep said no additional amount was owed and closed the account. 
I later get a statement in the mail that says {$7.00} is due on the account by XX/XX/XXXX. ( I did not open this envelope until last week as I thought it was junk mail/advertisements asking me to come back as a customer. ) I called on XX/XX/XXXX and was hung up on ( or the call just mysteriously disconnected ) by XXXX and another rep before calling in a third time to be transferred to XXXX who said he listened to the call and verified that the rep back on XX/XX/XXXX understood my intentions were to payoff the account, close it, and not owe any additional amounts. 
XXXX said that I now owed {$8.00}. 
I told him that I didn't mind paying the amount if that's what I owed but was never told about it and didnt think it was right for XXXX to cause my XXXX score to drop more than XXXX points since then to now as a result of reporting the account as delinquent. 
BE REASONABLE FOR A MOMENT : Ive never had a late payment with XXXX, so based on my past payment history, if I owed another {$8.00} ( or however much it was at the time ) would I not pay that too after paying such a large some in contrast ( {$1900.00} ) and closing the account? 
You would think this would prompt the company to call or email but they never did. 
XXXX said even though I was told I didnt owe anything back on XX/XX/XXXX, I still had to pay the amount and there was nothing XXXX would do about repairing my XXXX score. 
After waiting on hold for more than 40 minutes, I paid the {$8.00} with XXXX over the phone. 
How do I know another six months from now I wont receive a new statement saying I owe {$5.00}? 
This is EXTORTION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: IN

Complaint narrative:
I receive up to 3 or more calls a day some before XXXX on the debt owed some are threatening in the sense of if I dont pay them now bad things happen may happen I have asked them to reduce the number of call or stop calling to no avail I get somewhere between 12 and 20 calls a week disrupting life work and sleep

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
Gemini Trust Company LLC XXXX XXXX, NY has locked me out of my account worth XXXX plus at the time I tried to access funds of my crypto currency, and cash deposits ticket # XXXX, and will not unfreeze my account. 

I initially had my email account breached so I emailed Gemini and ask them to put a freeze on my account around the XXXX of XX/XX/year>. I was able to remedy the problem with XXXX within hours of the breach and notified Gemini to unfreeze my account. After 50-60 emails later, and 13 days with computers glitching which I made video of I finally was able to comply with their wishes of me making a new email and password changes. But have still had no success in them unfreezing my account. 

I have gotten nothing but the run around and am trying to work with them but only feel I am being put through more delays, and hoops to jump through. Since this nightmare has started my bitcoin has taken a $ XXXX plus drop in value. 

I am an XXXX  living in XXXX  Ca. and this is full on Finacial XXXX  Abuse. I don't know how to make this company start acting like respectable human beings, and to hold them liable for the actions they are committing. Being that they are acting all together, employees and owners they are also conspiring together to bring harm to people financially is just plain wrong, and it needs to STOP!!! As a little self made woman, I find it really hard to understand the greed behind people like the XXXX XXXX, and what must be their company policy to defraud people out of their life savings. They just lost the XXXX XXXX lawsuit which I was not part of in the sum of XXXX XXXX dollars, I cant imagine them wanting to put themselves, and their employees in harms way of committing a felony-XXXX  abuse on top of all the other problems they have on their plate. My account was just a regular Gemini account and I should not have to be going through all they are putting me through. They have no phone support to remedy small issues. 
Thank you for your help to my situation. They have possession of my life savings, and I can not make my bills if they do not release my funds soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Don't know where to begin. I have been charged random amounts from XXXX, since XX/XX/XXXX. I filed a dispute in XX/XX/XXXX and stopped using the card. Amounts ranged from {$9.00}, {$18.00}, {$7.00}, {$160.00}, I was sent a new card and did not activate it. I also received correspondence from the Citi Bank of suspicious possible fraudulent activity. I sent {$300.00} in XX/XX/XXXX to prevent finance charges. Nonetheless, I recently been receiving calls that the account is past due and haven't received a statement in months and no correspondence on the status of the disputed amounts. I have spent approximately two hours trying to resolve. Phone calls resulted in : " you need to speak with Security Operations '', you need to speak with " Fraud Department '', you need to speak with " Customer Service '', extremely muffled connection, difficultly understanding the person ( possible overseas connection ). The experience has been unbelievable. I ended up paying finance charges just to close the account/s.

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 monetary relief
Consumer complaint received 2024-03-19 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: IN

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 explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
According to FCRA XXXX, it's mandatory to eliminate any erroneous entries from my credit report. Would you mind verifying the documents? A few of the mentioned accounts contain inaccuracies in their reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
According to FCRA XXXX, it's mandatory to eliminate any erroneous entries from my credit report. Would you mind verifying the documents? A few of the mentioned accounts contain inaccuracies in their reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: NC

Complaint narrative:
Equifax is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Equifax to provide the documentation used to determine inquiry was indeed authorized by the consumer, Equifax has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. If Equifax does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. Equifax Commission file number XXXX inquires that is fraud 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i will be filing form 211 treasury forms to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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