vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-16 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My Shellpoint Mortgage credit reporting has been altered since the loan was sold and closed. It is reporting near correct on XXXX and XXXX, but terribly altered on XXXX. The XXXX XXXX XXXX has the loan still be reported after the sale and transfer date of XX/XX/XXXX. The Shellpoint loan as also reported by XXXX has the start date as XX/XX/XXXX to its transfer date of XX/XX/XXXX. 

The loan is also not recording and reporting that each of the 17 months from XX/XX/XXXX to XX/XX/XXXX that there were 17 payments that were made on time and should be recorded to the credit bureaus. At present this incorrect reporting is hurting our credit score because the account is not showing that a payment was made for each of those 17 months. ( doubled entries should not be indicated ). The CFPB says that the information should be reported correctly and complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
Can not get the money in wise that was sent to my account. Already reach out for couple of times but still haven't got a resolution. Need the fund for my needs.. I am a verified account in wise. If they will not allow me to withdraw the money, much better to send it back to the sender XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Lvnv funding which is debt collectors accessed my credit report without my permission according to 15usc 1681n they violated my rights 3 times and must pay me per each violation by accessing my credit report they must pay XXXX for each totaling XXXX and must remove negative items from my credit report they also bought debt that was charged off in which they failed to show me actual paperwork bearing my wet signature

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Westlake Services, LLC
State: CA

Complaint narrative:
I have contacted Wilshire Consumer Credit over 6 times and I have sent XXXX emails. I have disputed this acct on XXXX twice. I have even supplied XXXX with the payoff letter. This acct as of today XX/XX/XXXX still has a balance and once again my XXXX dispute was not in my favor. The company states I still have a balance. This was paid off in 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 explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My XXXX XXXX  credit reporting has been altered since the loan was sold and closed. It is reporting near correct on XXXX and XXXX, but terribly altered on Equifax. The Equifax credit reporting has the loan still be reported after the sale and transfer date of XX/XX/XXXX. The XXXX loan as also reported by XXXX has the start date as XX/XX/XXXX to its transfer date of XX/XX/XXXX. 

The loan is also not recording and reporting that each of the XXXX  months from XX/XX/XXXX to XX/XX/XXXX that there were XXXX payments that were made on time and should be recorded to the credit bureaus. At present this incorrect reporting is hurting our credit score because the account is not showing that a payment was made for each of those XXXX  months. ( doubled entries should not be indicated ). The CFPB says that the information should be reported correctly and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Celsius US Holding LLC
State: PA

Complaint narrative:
I while ago last year sometime myself and others who keep/kept our money with Crypto lender Celsius were advised that our funds would be frozen and we would lose access to our wallets until the cypto market leveled out or they found a buy I am assuming. The message you get on the app, and the website make it sound like more of an inconvenience. We had been lead to believe that our accounts would be unlocked at some point once things were straightens out. At lease that was the hope.. There was even few stories floating around that we would be allowed to keep up to 94 % our our wallets. I was kinda okay with that. But now I think being okay with that is even preposterous. Leaving any currency with anyone with any fiduciary duty to my funds should and with the end user/customer whole. I would like ALL of my crypto back. If the IRS can tax my crypto they can go to bat to help me claw it back from unscrupulous bankers that have decided what to do with my money, because the market is not going the way they wanted it to go. The resolution I am seeking is all {$7100.00} of my digital assets from XXXX to Cel. I have included a schedule of the contents of my Celsius account. This is the epitome of unfair. I was actually a Celsius ambassador before all of this. The fact that they can just sell off other people 's assets with such recklessness is apprehensible. As stated above if the IRS can tax this stuff measures should be taken to protect those early adopter such as myself from those who would do use harm, and attempt to take money out of our pockets and food out of those under our care. 

{$7100.00} Celsius {$390.00} XXXX CEL XXXX XXXX CEL / {$390.00} XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX / {$5400.00} XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX / {$430.00} USD Coin {$310.00} XXXX XXXX XXXX XXXX XXXX / {$310.00} XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX / {$300.00} XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX / {$230.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX / {$50.00} XXXX XXXX = {$1.00} XXXX % XXXX XXXX Price {$0.00} XXXX {$1.00} XXXX XXXXXXXX XXXX XXXX XXXX / {$1.00} XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX / {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I tried repeatedly to dispute accounts that was open fraudulent. They want take it off. These accounts are hurting my credit and making my life hard. They continue to keep the accounts on file. The companies or credit bureau ot doing anything

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 2023-02-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I owed Bank of America a loan of {$330.00}. I took a balance assist loan to cover my book supplies in college. When I went home out of the country for school break, I could not come back in time due to XXXX and couldnt contact the bank from overseas to explain the issue. Fortunately, I managed to come back and paid off the loan before it was sent to the collection agency. However, I think the bank did not update their records in time and proceeded to send my loan to collection after I had paid off the debt and even had phone calls with the bank about the payment. So, I need the collection removed from my credit report

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 2023-02-16 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I tried repeatedly to dispute accounts that was open fraudulent. They want take it off. These accounts are hurting my credit and making my life hard. They continue to keep the accounts on file. The companies or credit bureau ot doing anything

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, 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 tried repeatedly to dispute accounts that was open fraudulent. They want take it off. These accounts are hurting my credit and making my life hard. They continue to keep the accounts on file. The companies or credit bureau ot doing anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: CA

Complaint narrative:
I filed a dispute through equifax for a bankruptcy XXXX and I dont believe it was investigated properly, it is case number XXXX, the court number is XXXX, the bankruptcy belongs to my dad which has the same name and same address as me, dont know how they are saying its mine if we have different social security, different age, birthdays, driver license, dont know why they keep saying its me, woukd really appreciate if you could help out or guide me to someone that can do something for me, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have requested a proper documentation about the unauthorized inquiries to prove that the unauthorized inquiries are accurate. However, they did not respond to my request on the given specific days. Under 15 U.S. Code 1692e. False or misleading representations- ( 8 ) they failed to notate these unauthorized inquiries and it was in dispute within 30 days now. This unauthorized inquiries are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: SC

Complaint narrative:
On XXXX XXXX I sent out a letter after reviewing my credit score with Experian that I saw some incorrect information on my account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts which Ive listed below. Experian failure to positively verify these accounts has hurt my ability to obtain credit. Now under the FCRA, unverified accounts must be removed and if Experian can not provide me a copy of verified proof, They must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately & not updated inaccurately. 

1. XXXX XXXX Account Number : XXXX XXXXXXXX Unverified Account 2. XXXX XXXX XXXX Account Number : XXXX XXXX  Unverified Account 3. XXXX XXXX Account Number : XXXX XXXX XXXX  Unverified Account

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 2023-02-16 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
XXXX has been furnishing an inaccurate account on my credit file for over 2 years.. I have called, complained, disputed, faxed documents, and even contacted the furnishing company ( whom mailed them a letter, stating that account is not mines ).. They still havent removed it yet.. the account is a hard inquiry that reads : SYNCBXXXX iDemand this inaccurate information be removed without prejudice expeditiously..

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 2023-02-16 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third 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 non-monetary relief
Consumer complaint received 2023-02-16 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:
I have requested a proper documentation about the unauthorized inquiries to prove that the unauthorized inquiries are accurate. However, they did not respond to my request on the given specific days. Under 15 U.S. Code 1692e. False or misleading representations- ( 8 ) they failed to notate these unauthorized inquiries and it was in dispute within 30 days now. This unauthorized inquiries are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 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:
I reviewed my Consumer Reports and noticed that I had nine late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) I opened an investigation and after about 25 days did not show any proof of being late on these accounts. I demand to have the late payments be removed from my report or other legal action will be taken.

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 2023-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
I was paying XXXX a month for a year and they kept taking it on the wrong day and overdrawing my account which was costing me an extra XXXX dollars every time and I gave specific instructions of when I got paid so I had to stop paying it because they were costing me more than I could afford at the time and now my rents higher but my income hasn't increased and when I talked to them I only owed XXXX and now I got all these other amounts I'm just now seeing and I'll see what I can pay because they screwed my bank account up all the time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: MD

Complaint narrative:
I've disputed this before, but has since and over the years figured out why I'm not able to log into either of my Equifax ( XXXXXXXX XXXX XXXX ) credit reports. 

XXXX XXXX XXXX is using my XXXX Equifax account for the purpose of controlling our credit scores. Not sure who has hacked the XXXX account, but both have not been made available to me. And every time I've tried regain access, I get turned around in circles. Not sure why that continues you happen when it is clear that both accounts are being used by someone other than myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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 reviewed my Consumer Reports and noticed that I had nine late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) I opened an investigation and after about 25 days did not show any proof of being late on these accounts. I demand to have the late payments be removed from my report or other legal action will be taken.

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