vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 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: NC

Complaint narrative:
XXXX XXXX  and XXXX XXXXXXXX @ XXXX XXXX XXXX XXXX XXXX unit XXXX XXXX XXXX XXXX XXXX NC XXXX. 

On XX/XX/XXXX XXXX XXXX is saying I created an account for them to pay my rent mind you on same day this account fraudulently I opened by someone working at front leasing office desk I personally cancelled any and all transaction corespondents with XXXX. XXXX  XXXX takes there monthly amount out of my XXXX XXXX XXXXXXXX checking directly on XXXX of the month. XXXX  is claiming they have a signed contract by me which is impossible because I am not the lease holder on unit XXXX I just pay the rent so they could not use me to be held responsible for any monies owed to them. I pay directly to the XXXX and only the XXXX. I have direct proof XXXX  not only ended the closed and settled this account only to reopen it months later. If XXXX  XXXX  paid the XXXX a pro rated portion of rent my I XXXX XXXX pay the XXXX every month directly its XXXX  and XXXX job to work out what ever logistics to ensure there is no debt. Meanwhile XXXX  keeps reporting to TransUnion I am in default especially after admitting file was settled on XX/XX/XXXX and wrote a response to my first inquiry they do not know why the XXXX will not refund any money that may be owed. If anything it then should default to the two rentees on the lease XXXX XXXX and XXXX XXXX not me XXXX XXXX I dont even know how XXXX  obtained my information. Either way the documents submitted will show XXXX  had already admitted this was settled then admit XXXX will not cooperate! So which is it? Facts are I pay XXXX directly monthly through my Debit Card and I do not have anything set up with anything with 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 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
Trying to have reward forward to my checking account. Gemini ( the company ) said that that my bank is not verified when it's the same bank and same checking account I use to pay my bill. I don't understand why they just can't forward my rewards to my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: GA

Complaint narrative:
I received a response from the bureau stating that you complied with the CONSUMER NOTICE OF IDENTITY THEFT received by you on XX/XX/. Since XX/XX/, you have reinserted the accounts listed in this METHOD OF VERIFICATION REQUEST letter ; therefore, I demand a description of the procedure you used to determine the accuracy and completeness of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: GA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
XX/XX/2023 : GM credit card account ( Goldman Sachs ) was opened by someone using my ID information. 
{$7800.00}. was charged to the card. 
The issuing bank ( Goldman Sachs ) fraud detection algorithm recognized this account ( and others ) as fraud and immediately closed the account ( without contacting me ). 
Account was closed by issuer ( Goldman Sachs ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03 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: MO

Complaint narrative:
I have asked equifax, along with XXXX and XXXX to verify that the account XXXX XXXX XXXX XXXX ( XXXX ) is 100 percent correct and free from inaccuracies. They verified the account XXXX to be accurate. But when I looked on my report there is inconsistent data across the three bureaus being report for this account, including the balance, open date and last active date. 



In accordance with the Fair Credit Reporting act XXXX Account # ending in 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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: MO

Complaint narrative:
I have asked XXXX, along with XXXX  and transunion to verify that the account XXXX XXXX XXXX XXXX ( XXXX ) is 100 percent correct and free from inaccuracies. They verified the account XXXX to be accurate. But when I looked on my report there is inconsistent data across the three bureaus being report for this account, including the balance, open date and last active date. 



In accordance with the Fair Credit Reporting act XXXX Account # ending in 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 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 non-monetary relief
Consumer complaint received 2023-03-03 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: MO

Complaint narrative:
I have asked XXXX, along with experian and XXXX to verify that the account XXXX XXXX XXXX XXXX ( XXXX ) is 100 percent correct and free from inaccuracies. They verified the account XXXX to be accurate. But when I looked on my report there is inconsistent data across the three bureaus being report for this account, including the balance, open date and last active date. 



In accordance with the Fair Credit Reporting act XXXX Account # ending in 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 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 2023-03-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. I have reviewed my credit report and have noticed several inaccuracies that I believe are negatively impacting my credit score. The following accounts and inquiries are the subject of my dispute : XXXX XXXX Charge Off Account XXXX  XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX  XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX XXXX I dispute the above items for the following reasons : First, the XXXX XXXXXXXX Charge Off Account is inaccurate. I have never had any business or financial relationship with XXXX, and therefore can not have a charge off account with them. 

Second, the inquiries made by XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX are inaccurate. I did not authorize these inquiries and have no knowledge of them. 
Third, the inquiries made by XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, as well as the inquiry made by XXXX on XX/XX/XXXX, are also inaccurate. I have not applied for credit with any of these institutions, and therefore should not have any inquiries on my credit report from them. 
I request that you investigate these inaccuracies and remove them from my credit report. I also request that you provide me with a copy of the revised credit report after the inaccuracies have been corrected. 

Thank you for your prompt attention to this matter. 
XXXX : The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies provide accurate and complete credit reports to consumers. Inaccurate information can negatively impact a consumer 's credit score and ability to obtain credit. Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request that it be corrected or removed. Failure to comply with the FCRA can result in legal action against the credit reporting agency. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This was happening back XXXX to XXXX when Bank of America was investigating the item. I have notified them and they would give me temporary credit and take it back. Ruin my business account and my daughter account. Then when they took the last bit of my account was a the heights of the pandemic closing everything no one could help when I called the bank. This resulted in my accounts being close with negative balance. Its says it black and white on my statement its Doesnt have my name on it {$1700.00}. I want my money back and my accounts cleared up. I have had no problems with this account I always had average XXXX monthly or more comin in.

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 2023-03-03 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: GA

Complaint narrative:
I recently reviewed my credit file and unfortunately found incorrect information that I have previously disputed with the Credit Reporting Agencies. They have failed to verify the numerous inaccurate accounts and information listed on my credit report. Under the FCRA 15 U.S.C. 1681i all unverified accounts must be promptly deleted. 
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 2023-03-03 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: GA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. I have reviewed my credit report and have noticed several inaccuracies that I believe are negatively impacting my credit score. The following accounts and inquiries are the subject of my dispute : XXXX XXXX Charge Off Account XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX XXXX I dispute the above items for the following reasons : First, the XXXX XXXXXXXX Charge Off Account is inaccurate. I have never had any business or financial relationship with XXXX, and therefore can not have a charge off account with them. 

Second, the inquiries made by XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX are inaccurate. I did not authorize these inquiries and have no knowledge of them. 
Third, the inquiries made by XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, as well as the inquiry made by XXXX  on XX/XX/XXXX, are also inaccurate. I have not applied for credit with any of these institutions, and therefore should not have any inquiries on my credit report from them. 
I request that you investigate these inaccuracies and remove them from my credit report. I also request that you provide me with a copy of the revised credit report after the inaccuracies have been corrected. 

Thank you for your prompt attention to this matter. 
XXXX : The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies provide accurate and complete credit reports to consumers. Inaccurate information can negatively impact a consumer 's credit score and ability to obtain credit. Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request that it be corrected or removed. Failure to comply with the FCRA can result in legal action against the credit reporting agency. 
Sincerely, 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 2023-03-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. I have reviewed my credit report and have noticed several inaccuracies that I believe are negatively impacting my credit score. The following accounts and inquiries are the subject of my dispute : XXXX XXXX Charge Off Account XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX  XXXX I dispute the above items for the following reasons : First, the XXXX XXXXXXXX Charge Off Account is inaccurate. I have never had any business or financial relationship with XXXX, and therefore can not have a charge off account with them. 

Second, the inquiries made by XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX are inaccurate. I did not authorize these inquiries and have no knowledge of them. 
Third, the inquiries made by XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, as well as the inquiry made by XXXX  on XX/XX/XXXX, are also inaccurate. I have not applied for credit with any of these institutions, and therefore should not have any inquiries on my credit report from them. 
I request that you investigate these inaccuracies and remove them from my credit report. I also request that you provide me with a copy of the revised credit report after the inaccuracies have been corrected. 

Thank you for your prompt attention to this matter. 
XXXX : The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies provide accurate and complete credit reports to consumers. Inaccurate information can negatively impact a consumer 's credit score and ability to obtain credit. Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request that it be corrected or removed. Failure to comply with the FCRA can result in legal action against the credit reporting agency. 
Sincerely, 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 2023-03-03 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I Iam a natural person, Iam a living human being, I have rights under 15 USC 1681. 
I do not recall having accounts with these business please verify -original contract with my signature -creditor information -payment history -proof of ownership Due to this inaccurate accounts my life as been impossible with trying to get a home and vehicle and need to be treated fairly and remove the information that should have never been on my report in the first place XXXX is govern by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given XXXX written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX is govern by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given XXXX written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Accounts : XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- Account 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- Account XXXX XXXX XXXX XXXX XXXX- XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I Iam a natural person, Iam a living human being, I have rights under 15 USC 1681. 
I do not recall having accounts with these business please verify -original contract with my signature -creditor information -payment history -proof of ownership Due to this inaccurate accounts my life as been impossible with trying to get a home and vehicle and need to be treated fairly and remove the information that should have never been on my report in the first place XXXX is govern by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given XXXX written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX is govern by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given XXXX written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Accounts : 1XXXX XXXX XXXX XXXX XXXX & XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX 6XXXX XXXXXXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX- XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXe XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX- XXXX XXXXXXXX XXXX XXXX- XXXX

Company response to consumer: Closed with explanation