vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : 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 2022-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2023 I sent someone on XXXX {$1300.00} for a bag. After the money was sent they blocked me and I never received the item I paid for. I filed a claim with my bank, Wells Fargo bc the money came from my checking account but they denied my claim. The Wells Fargo representative who helped me file my claim said I would be able to get my money back but the following XXXX they denied it and I did not get my money back and they said it was my fault.

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 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Called XXXX XXXX For a letter confirming that I have paid off balance of XXXX card and paid half of balance on XXXX nd card.. Not received any letter from XXXX XXXX.. customer service confirms card have received my payments but refused to send me a letter via Fax or Email. 

I need the letter so I can clean up my credit report so I can apply for mortgage loan. This is delaying my mortgage application and can cause denied application. I have provided an email and fax number, but XXXX XXXX Customer service lies that it has been sent, Nothing is received, unlike All other credit card companies, XXXX, XXXX, XXXX XXXX and other have sent me fax confirmations in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ark-La-Tex Financial Services, LLC
State: MI

Complaint narrative:
I received a letter from Benchmark mortgage on XX/XX/XXXX stating that I have to pay them an additional {$2200.00} because my escrow account is short this amount, I refinanced my home with them on XX/XX/XXXX, to obtain a lower interest rate, which I did it went from 3.5 % to 2.25 % fixed rate they ( Benchmark mortgage ) drew up all the paperwork and all the terms and conditions and amounts were agreed upon, my property taxes and insurance and principal and interest,, Everything is included and automatically withdrawn from my bank account on the first of every month my mortgage payment was {$710.00} and now it is {$900.00} for the next 12 months I can not afford the additional {$180.00} every month, this is there mistake not mine,!!! my property taxes and my homeowners insurance have not changed therefore my escrow account shouldn't be short period!! I spoke to Benchmark mortgage and the only solution they gave me was to seek financial aid from them,, they agreed the shortage was there fault but there was nothing they could do about it, except that I would have to pay the difference, this is money I don't have I am on a fixed income, and I should not have to pay for there mistake, please help me, this company is committing fraud against me in my opinion,, this is a financial burden that I should not have to bare, my email is XXXX, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: MD

Complaint narrative:
Hello, On XX/XX/, I received a notice from Gemini that all XXXX funds in their Gemini Earn program were to be frozen, due to the freezing of funds by XXXX, the third party company holding the funds on the Gemini Earn platform. This goes against Geminis claim that all Gemini Earn funds can be accessed in five days or less. This claim is a big reason I chose to place funds in Gemini Earn and now that they are not honoring it I would like to reclaim these funds and reinvest them elsewhere. 

I attempted to withdraw my funds ( consisting of approximately {$8000.00} in XXXX stable coin, XXXX XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX ) from my Earn wallet on XXXX XXXX XXXX Today, ten days later, XX/XX/XXXX, the transactions still say Pending and no funds have been withdrawn. I reached out to Gemini support yesterday and their response was that funds are still frozen due to XXXX freezing of their funds. While I understand this is an inconvenience, I still would like my money back, which I purchased on their platform and placed into the Gemini Earn program. They marketed it as a safe Gemini product and they need to return my money no matter what happens with XXXX. 

I look forward to hearing back and I hope that Gemini makes this right ASAP. 

Thanks for the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: SC

Complaint narrative:
In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC1681. 
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 XXXX XXXX 15 U.S.C 1681 section 602 ( A ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( A ) 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 conviction 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 2022-11-29 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: SC

Complaint narrative:
In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC1681. 
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 XXXX XXXX  15 U.S.C 1681 section 602 ( A ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( A ) 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 conviction 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 2022-11-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
there are 10 unaccounted inquiries on my credit report from Experian-generated report dated XX/XX/2022. I wrote to Experian via certified US mail on XX/XX/2022 listing the names of unauthorized companies and dates of inquiries. These were not removed within the 30 day legal process window.

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 2022-11-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-29 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: TX

Complaint narrative:
In accordance with the fair Credit act XXXX  Account XXXX XXXX, has violated my rights. 
Per fair Credit Report act Laws you can't have a pass due balance on a closed Charge off account. 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. 

XXXX XXXX  Account # XXXX, Has violated my rights. 
15 U.S.C 1666B A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

18 USC 894 NO negative information should be furnished to your credit report without your lawful authority. Committing unlawful extortionate means such as furnishing late payments, chagere offs, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. 

The following accounts are on XXXX XXXX XXXX - XX/XX/XXXX XXXX via Syncbpaypal - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/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 2022-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
The account is paid off and closed, I want this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: IQOR US INC
State: NC

Complaint narrative:
I was renting an outdoor storage space from XXXX XXXX located at XXXX XXXX XXXX XXXX, NC. XXXX and on XX/XX/XXXX I notified them I would be vacating the property on or before XX/XX/XXXX through the XXXX XXXX XXXX XXXX XXXX I received confirmation of my move out date and did not reenter the property after XX/XX/XXXX. On XX/XX/XXXX the app notified me I had a pending payment due for XXXX which I promptly called the XXXX XXXX XXXX # and spoke with a party to discuss my previous move out statement and timing. The attendant told me not to worry once the location returned they would review my history and complete my move out date of XX/XX/XXXX. On XX/XX/XXXX I received a letter from Allied Interstate LLC who stated they were a debt collector pursuing the charges on behalf of XXXX XXXX. I explained my situation in both an email and by phone which resulted in no additional action taken to absolve the amount pursuant by XXXX XXXX. It is unreasonable that XXXX XXXX never contacted me and only immediately sent this to a debt collector who at this time is pursuing charges not owed.

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 2022-11-29 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do.

I wrote to them on the following dates XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: U.S. BANCORP
State: IL

Complaint narrative:
This has been going on for almost a year. I've called US Bank informing them that I have never applied for anything with them. 
This inquiry does not belong to me and needs to be removed at once. 
US BANK ( Bank ) XX/XX/XXXX I have XXXX Business and personal bank account, and Credit card my credit report was run 3 times for my credit card. I want to keep all my accounts. Just please remove the inquires. Do not bother my accounts. 
XXXX XXXX XXXX XXXX. ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX. ( Bank ) 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 2022-11-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX Property addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX In XXXX my wife and I decided to get an apartment so we could be closer to work. XXXX XXXX XXXX was our electric provider and XXXX  was the cable provider for this place rented in XXXX of XXXX. 

We own XXXX houses in the XXXX area XXXX bought in XXXX another in XXXX have attached mortgage statements and water bills for both proving these were current addresses. 

Throughout the week we would bounce from house to house or apartment. Living at all XXXX. 

As XXXX went on we found the apartment at XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX which XXXX XXXX XXXX was our electric provider. Was just too expensive to maintain. 

We worked out a move early with the apartment complex and our move out date was XXXX. 

I mailed documentation to all our service providers on XX/XX/XXXX including move out statements. 

I just learned I was charged an early cancellation fee from XXXX XXXX XXXX that was incorrect. 

I called and settled on my last bill and was told by representatives that they would put notes and remove the early cancellation fee as well as remove this reporting from my credit report. 

Please send documentation that is false reporting is removed immediately and send too XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Tx XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-29 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-29 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I noticed a couple of inquiries on my credit reports on XXXX, XXXX and Experian that I am not aware of/ authorized. I am sure someone close to initiated these fraudulent moves and it is now hurting my scores. 
These are the Unauthorized Hard Inquiries on my credit report : XXXXXXXX XXXX  - XX/XX/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