vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I need clarification as to why Equifax is reporting certain information on my credit report. 

Account XXXX XXXX XXXX Acct number XXXX, Creditor XXXX I am aware according to section 604 requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Please show me the documentation otherwise delete this unverifiable account from my credit. 

After you have finished my request, send me a copy of my credit report with these changes.

U.S. Code 15 U.S.C 1681 ET SEQ. 604 of Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Iam a victim of identity theft i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and asked them for proof 2 months ago and they never responded my mail or email XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-21 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: FL

Complaint narrative:
Iam a victim of identity theft i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and asked them for proof 2 months ago and they never responded my mail or email XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: CA

Complaint narrative:
I used to think the economy was bad, but after seeing my credit report, its clear whats really worse the errors that are tanking my credit score. It's beyond frustrating to deal with all this incorrect information, and its causing me serious stress. As a consumer, I have the right to an accurate report, but instead, I'm stuck in this mess. Its ironic, too, because Id probably need therapy for the stress, but I couldnt even pay for it since my cards would get declined thanks to these wrong details on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
Back in XXXX I sent them a debt validation letter requesting information on the debt they alleged I owe in which I gave them ( 30 ) days to comply in which they didn't. I did contact them via phone call in which they was extremely rude and still didn't want to comply I reach out a second time in which they did send me something but it wasn't what I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In accordace with the Fai Credit Reporting act. The list of accounts below has violated my federally protect privay and confidentiality under 15 USC 1681. 

Account name # XXXX, Account name XXXX, Account name : # XXXX, has violated 15 U.S.C 1681 section 602 A. States i have he 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 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 explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: U.S. BANCORP
State: TX

Complaint narrative:
I made a payment, and car was reprocessed without my knowledge. During the repo process, they came on private property to my job and negligently towed my car. I ran to get information and no one could tell me anything, during the repression my vehicle fell off the bed of the tow and crashed into the tow truck as it was moving. I have proof and pictures and no one has tried to reach out to me to give me any information. My car was a total loss and I am not responsible for the damage, if the bank requested their third party vendor to pick it up.

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 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I made a deposit of {$17000.00} into local branch but the employees show no record of the deposit I made XX/XX/year>

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 2024-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Winklevoss Exchange LLC
State: PA

Complaint narrative:
XXXX Hello, I am filing a complaint regarding Gemini, a cryptocurrency wallet for trading and adding digital currencies. XXXX XXXX, XXXX, etc. 

About three or four months ago, my Gemini account got hacked and unfortunately I had funds I wanted to get out. I could not access my account and customer service has not been helpful. 

Between XXXX to XXXX this year, I have had multiple attempts of someone logging into my account and taking money out. In addition, I was going through a financial hardship and had a lot of late payments. Due to the late payments, one of the banks put a hold on my credit score that basically didnt allow me to open any bank accounts. 

So local banks wont let me open new accounts as well as other online banks. 

According to Gemini policy, I can only do a wire transfer or a bank transfer. No credit or debit cards can be made. 

Out of all bank accounts to this day that I have opened, none of them qualify for withdrawal and I am unable to receive my funds. 

I was very disappointed with XXXX decision to close my account. As I mentioned, my account got locked due to hackers taking over. I have maybe a little over {$50.00} in there currently. 

What shocks me is that Gemini says I am unable to know a reason why my account was closed. So apparently they closed my account and never tells me the reason. They claim its due to policy and confidentiality. I have been trying for months to collect the rest of the money I have in Gemini. 

To this day, I am UNABLE to open any in person bank accounts due to a credit hold. Local banks are the ones that let me do wire transfers. 

In summary, Gemini closed my account, with about {$50.00} of my own money, and I am unable to retrieve it due to some policies. 

In addition, I am unable to create any bank accounts that would allow me to collect the funds. The only way I can get the money is through wire or bank transfer, which I can not do and is something out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: WA

Complaint narrative:
False statement and representation : 1. Continues to unlawfully report as collection every single month extending statute of limitations 2. Failed to provide Debt validation and verification confirming details of debt, Legal ownership of debt including original contract & payments. US federal codes 15 USC 1692 ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: TN

Complaint narrative:
To whom it may concern, I am inquiring about account with the collection name of [ XXXX XXXX XXXX ]. 
Original creditor- ( XXXX XXXX ) {$6600.00} The collection account number is not listed on all three credit bureaus and the date of first delinquency has been fraudulently reaged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: MN

Complaint narrative:
It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.

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 2024-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I recently checked my credit report and notice a collection on my report from Portfolio Recovery. I was never made aware of this collection. I did not recieve anything in the mail notifying me of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has 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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NY

Complaint narrative:
Im incredibly frustrated and disheartened by the lack of attention to my repeated requests to fix the errors on my credit report. Its been an ongoing issue, and despite reaching out multiple times, I feel like my concerns are being ignored, which is unfairly impacting my credit and peace of mind.

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 2024-10-21 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: MD

Complaint narrative:
This is my second attempt at requesting information be removed on an account that is reporting inaccurately. The two late payments on XX/XX/year> and XX/XX/year> for XXXX XXXX account # XXXX were in fact " Paid On Time ''. It is to my understanding that consumer reporting agencies need to report all information with 100 % complete accuracy. This account has " Never Been Paid Late ''. I've attached a copy of my Consumer report for the following dates, XX/XX/year> and XX/XX/year>. Please update these payments to " Paid On Time '' or " No Information To Report '' immediately. Thank You for your prompt action. 

XXXX XXXX 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 explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Today I visited XXXX of XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) to inquire about a possible trade-in. The sales representative, XXXX XXXX, repeatedly assured me that only a soft inquiry would be taken from Experian to estimate financing rates and payments. However, I immediately received notice from Experian and XXXX that 2 hard inquiries were performed without my authorization. I never applied for a vehicle loan, filled out any form, or authorized a hard pull. The manager, XXXX XXXX, also denied performing any hard pull. Resolving this issue with the credit bureaus is an extreme hassle as neither will allow online or phone disputes in this situation. They recommended having the dealership contact them, but I do not trust them. 

Experian lists the inquiry as " XXXX XXXX XXXX XXXX and XXXX lists it as XXXX XXXX . Both were submitted today, XX/XX/XXXX. My credit scores have already been negatively affected. 

Manager email : XXXX Sales rep email : XXXX Phone number : ( 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 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
To Whom This May Concern, Under the Fair Debt Collection Practices Act ( 15 USC 1692g ), I am requesting validation of this debt. Please provide complete information on the original creditor, original account number, the date this account was open, the date of the last payment, the amount of the original debt, and an itemized statement showing the amount of the debt and any additional fees or charges.

If you are reporting this account to any credit reporting agency, under the Fair Credit Reporting Act ( 15 USC 1681b ), you must provide verification of this debt to those agencies upon request.

At this time I dispute the validity of this debt under 15 USC 1692. Please verify this debt in writing and provide all information requested above within 30 days.

If validation is not provided, I will expect this item to be removed from my credit report and further collection activity to cease..

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX SXXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has 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 explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CO

Complaint narrative:
I had a policy with XXXX and suddenly they started charging me more based on false information like someone else using my car this is not true and called them to figure out this stuff but they were playing with my statement

Company response to consumer: Closed with explanation