vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2023, I submitted a formal letter addressing multiple inaccuracies and unfamiliar entries on my credit report. Despite the stipulated time frame of over 50 days passing, I have yet to receive any response or acknowledgment of my dispute. 

As per Section 611 ( a ) of the regulation, failure to investigate these discrepancies within 30 days warrants the immediate removal of said items from my credit report. The prolonged delay in rectifying these errors is unacceptable, and I insist that these accounts be promptly deleted in accordance with the law. 

Furthermore, it's important to note that my personal information may have been affected by the XXXX data breach, raising concerns about its security. This situation compounds the urgency of resolving these issues swiftly and accurately. 

I urge your immediate attention to this matter and request the swift deletion of the erroneous entries from my credit report. Failure to address this concern promptly may compel me to pursue legal action due to the distress and inconvenience caused by this prolonged negligence.

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 2023-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I invested in a product that was advertised as an extremely safe, XXXX USD-backed USD equivalent Ethereum token created by the Gemini XXXX and regulated by the most strict NYDFS. This product was advertised as an interest-bearing product and, " redeemable for USD at anytime. '' However, it has been over one year since I requested the exchange of my GUSD into USD and it still has not been provided to me as promised. This exchange is still in business making profits off of similar business practices that we have now come to know as fraudulent. Had I known that XXXX was not backed XXXX, or that Gemini converted XXXX deposited into the Earn program into some other risky asset, I would not have used their services. Had I known they were lending their assets to only one entity, I would not have used their services. None of these risks were made clear at any point when using their services. 

They literally invented XXXX themselves, advertised it's equivalency with the US Dollar, boasted about the regulatory clarity, bragged about it's security and traceability, but then proceeded to LOSE ALL OF IT! Where is the XXXX now, how could it disappear if it is traceable? The questions and answers are obvious : THIS IS BLATANT THEFT AND FRAUD! 

Customer 's have killed themselves, customer 's have been without their funds for over a year. Many of these customers had a lifetime 's worth of savings invested in this " US Dollar Equivalent. '' Gemini has provided meaningless communication updates every month or so since the fraud they conducted in 2022. These updates are absolutely empty of any substance and yet it is this very empty communication that seems to satisfy the CFPB enough to close all the complaints related to this? 

IT IS AN ABSOLUTE TRAVESTY WE ARE NOT PROTECTED FROM THESE BAD ACTORS. GEMINI IS STILL CONDUCTING BUSINESS LIKE NOTHING HAPPENED. IT IS SOUL-CRUSHING AND FINANCIALLY DEBILITATING TO BE A PART OF THIS CLASS OF VICTIMS WHO HAVE BEEN UNWHOLE FOR OVER A YEAR! 

THE CFPB NEEDS TO DO SOMETHING TO RETURN OUR FUNDS ASAP! PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: OPORTUN FINANCIAL CORPORATION
State: MN

Complaint narrative:
Since XXXX I have asked Oportun Inc to send me all the documentation of my contract, payment record and a report of the interest they charge me. I feel that I suffered predatory abuse with the payments I made. But so far they have not responded to me. They have sold the account and now both companies appear in my report for the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: TX

Complaint narrative:
my data was leaked through XXXX and these account need to be deleted immediately Ic system XXXX XXXX XXXX XXXX XXXX XXXX XXXX " Date : XX/XX/2023 To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX with account number XXXX In addition, Delete all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. 
Thank you, ''

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 2023-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: CA

Complaint narrative:
This is a fraud account as a result of identity theft. 
Account opened in XX/XX/2023. And after about month on XX/XX/2023 I see a notification on my credit report that I have a collection for {$37000.00}. I called them and they are demanding {$190.00} to remove the information which I do not want pay for something I'm not aware of. I am a victim of fraud. 
Creditor Information I.Q DATA INTERNATION XXXX XXXX XXXX XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I received 2 emails ( XX/XX/XXXX  and XX/XX/XXXX  ) labeling my account as 30 days past due. I have been enrolled in auto-debit since before payments resumed and have even in fact paid extra along the way. I know I am not overdue. I called MOHELA on XX/XX/XXXX but their wait time was over 1 hr on the phone so I could not stay on the line and I asked for a call back per their dial procedure but never got one. Today I called and the wait time was 40 mins. I submitted a message via the MOHELA app portal while waiting, for fear I may never get connected to a real person. Eventually, the operator confirmed my account was in good standing and the emails were both received erroneously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2023-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A collection account appeared on my consumers reports on XX/XX/2023 XXXX XXXX XXXX, that doesn't belong to me. I have spoke with all three credit bureaus and sent them a letter of dispute.

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 2023-11-21 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: TX

Complaint narrative:
A collection account appeared on my consumers reports on XX/XX/2023 XXXX XXXX XXXX, that doesn't belong to me. I have spoke with all three credit bureaus and sent them a letter of dispute.

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 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CHARLES SCHWAB CORPORATION, THE
State: KY

Complaint narrative:
My bank account was accessed and all of my money was wired out over night ( XXXX ) without any notification. I noticed the next morning my bank account showed a amount of XXXX, I called my personal bank they closed my account and said they will start a fraud investigation and this is when it started to get messy. They said they would restrict my bank account to allow my work pay to go in but nothing could come out instead they went on and closed the account so I had to end waiting a extra week for my pay and my wifes pay then I was sent the wrong debit card 3 times for my old account that had been closed instead of sending me debit cards for my new account. After not hearing anything for more then a month about all my money that was stolen I called today XX/XX/XXXX and they told the case had been closed for weeks and theres nothing they can do but told me I could call the place where the money went and try myself ( its not even a real place ) this is very disappointing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BUSEY BANK
State: IL

Complaint narrative:
Busey Bank had been data breaching my account for over two years now but now it has no information about the issue and the problem has not resolved it has not resolved my concern and has not been fixed for a long period now. Cash flows are not being handled or processed by anyone else in this area and they have been suspended from the bank account for over two weeks and are still being processed and reprocessed as payment processing is done ongoing and continually being reprocessed as needed for the purpose of the transaction to continue to occur as the transaction has not occurred yet in a proper legal proceeding or the process has not occurred at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: TN

Complaint narrative:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-11-21 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
XXXX XXXX  reduced my credit availability due to an item on XXXX XXXX report. I contacted XXXX XXXX and discovered it was a Credit Card open on CB Indigo that had never been paid. 
The account is not mine and was opened without my knowledge. After contacting CB Indigo and alerting them of this fraud i understand that they wrote off the balance. 
The problem is that the account still shows being open with XXXX balance but still in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: AZ

Complaint narrative:
A fraudulent unauthorized ( by XXXX ) withdrawal took place on XX/XX/ for {$2000.00} from our checking account. We believe our card was duplicated at some point, as my husband had the card in his position at all times. A police report has been filed with the XXXX, AZ police department. We received a call from a Wells Fargo phone number regarding the transaction. My husband stated that he did not use his card as I just had a total XXXX XXXX the day before and he was my caretaker. We have filed claims twice with the second escalating to the fraud executive department. Both claims were closed without explanation and a refund would not be given. We were told there is nothing they can do. As customers for over 20 years we find this unacceptable!!!

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 2023-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I took notice to inaccurate information on this account from XXXX, XXXX XXXX. 


The first inaccuracy is that the account numbers are reporting differently on Transunion, XXXX and XXXX. This is already grounds for removal pursuant to the fair credit reporting act. The FCRA says that everything must be maintained with 100 % accuracy however, both Transunion and XXXX are reporting the account number [ XXXX ] while XXXX is reporting this account number [ XXXX ]. This is only one account and it can not have to completely different account numbers. You now clearly have reason to believe that the information reported is inaccurate. I also included a screen for further evidence. 

The additional inaccuracy is that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report.

Pursuant to 15 USC 1681b This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late. 

I request that you mail me a copy of the complete consumer file that you maintain concerning me and this account after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the accounting records, the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).

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 2023-11-21 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: PA

Complaint narrative:
I took notice to inaccurate information on this account from XXXX, XXXX XXXX. 


The first inaccuracy is that the account numbers are reporting differently on XXXX, Equifax and XXXX. This is already grounds for removal pursuant to the fair credit reporting act. The FCRA says that everything must be maintained with 100 % accuracy however, both XXXX and XXXX are reporting the account number [ XXXX ] while Equifax is reporting this account number [ XXXX ]. This is only one account and it can not have to completely different account numbers. You now clearly have reason to believe that the information reported is inaccurate. I also included a screen for further evidence. 

The additional inaccuracy is that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report.

Pursuant to 15 USC 1681b This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late. 

I request that you mail me a copy of the complete consumer file that you maintain concerning me and this account after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the accounting records, the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).

Company response to consumer: Closed with non-monetary relief