vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-24 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: CA

Complaint narrative:
XX/XX/XXXX Hello Equifax, Recently I viewed a copy of my credit report and noticed an error. I actually disputed this in the past and was under the impression that it would be removed from my credit report. I am certain that this account 's error is adversely damaging my credit reputation and costing me too much time and money every year.

Below is the account that I have identified and want to have removed. 
XXXX XXXXXXXX My rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear, I want this account to be removed from all current and future credit reports. 

Also, I would appreciate it if you could forward me the information of any individuals and/or organizations you reached out to so I can follow up with them on my end if need be. 

I believe that 30 days will be plenty of time for your company to investigate this account. 

If I am correct on Section 611 ( a ), it is plainly stated that the failure to investigate this account within a 30 days time frame constitutes a reason to remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: eToro USA LLC
State: TX

Complaint narrative:
I opened an account with Etoro on XX/XX/2021 and invested {$1000.00} in XXXX after filling out my W9 and linking my bank account. I purchased at .6199 and .7293 not on a stop loss. XXXX went down a bit and I wanted to hold it until it came back up maybe up to a year or two- long term no big deal. I logged into my account Tuesday after XXXX XXXX as I always do on weekdays before I start work. I was trying to look at my portfolio only to see I had no active moving markets or any profit to loss margins showing. I messaged EToro letting them know there was an issue with the app and received an email back from XXXX stating I had closed my two positions at XXXX my time on XXXX XXXX causing a loss of over {$580.00}. I utilized one device and only the app for EToro and EToro is telling me I signed in from XXXX IPs and was using XXXX which is not true. I have asked to verify the IPs or the devices and they are refusing. I looked through my emails and found two time stamped that Sunday at XXXX my time stating I had closed my positions at XXXX that same day ( 7 hours ahead of the actual transaction ). I did not close my positions and looking at their reviews they have a habit of doing this and stealing people 's money. They state they will only work with law enforcement to reveal the IPs used. Please, I need help, I have been scammed by EToro. Nothing adds up and I was no where near my phone that evening nor do I use XXXX on my cell or have two IPs

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This company which is convergent and the original company or creditor is XXXX XXXX. They wrote me a letter on XX/XX/2021 and I responded back to them on XX/XX/2021. Letting them know that this was not in my name this is the second company that has tried to collect on the saying say it did and it has been removed from my credit report once. The name of the sea it did is XXXX XXXX. That is not my name my name is XXXX XXXX XXXX. The amount is {$470.00}. I wrote them they have not responded back to me. I wrote them on XX/XX/2021 a dispute letter for this collection.

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 2021-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or one that you represent. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Neither did your company Portfolio Recovery ever contact me regarding this alleged account. Also being that this is a medical I have never given any physician or medical office permission to share any of my medical information so this would have also been in direct violation of HIPPA. I have never heard of you until I reviewed my credit file. Portfolio Recovery never gave me the right to dispute the validity of this account before putting it into my file or still to this day I have never heard from your company. How can you just insert a negative remark into my account without first giving me my right to dispute the account? This account is a direct result of identity theft and should be removed. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-24 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:
My information was compromised and I reported the following errors on my credit report to experian for review. 

I submitted a dispute to Experian. Experian processed the dispute and confirmed the following items should be removed but failed to removed the items from my credit report. 

I did not submit an application or initiate a inquiry and I am requesting that the inquiry be removed. 

XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry XX/XX/XXXX US SM Bus Admin ODA Inquiry XX/XX/XXXX Please remove the following inquires as I did not inmate an inquiry.

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 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
4 accounts are over 7years old and has been closed for over 7years its legally supposed to be removed. Credit bureaus Experian, XXXX  , & XXXX  won't remove them even after I disputed them.

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 2021-07-24 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: NC

Complaint narrative:
Below I am copying the information that Experian keeps reporting, no matter how many letters or calls I have made to have this information removed and updated correctly. XXXX XXXX XXXX XXXX- Auto Loan. 
Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Each time they say updated, they change the date of last activity. This is illegal. Not one of the bureaus has sent me any information on how they verified anything. Now, since my last letters to both XXXX  and Experian, XXXX has deleted this account. I sent a follow suite letter to Experian and still not even a response. XXXX  never was able to verify or send me any information. I have been disputing the information below that is reporting inaccurately since XXXX of XXXX. I have sent letters and certified letters and all I get from Experian is updated. Updated to what? They update nothing and just type the same information over and over again. I get no responses at all from none of my letters from Experian. I get a letter or post card that states how they investigate, yet I get no proof of documentation or validation. All bureaus are not contacting the creditor to get accurate information. I mailed letters out XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting information be removed or cleared up. All the information is conflicting and no-one wants to help. I feel unvalued as a consumer, and violated. I have sent additional letters to all three bureaus as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Absolutely no updates or removal. Still reporting inaccurate information and also is causing me credit worthiness. Reports are showing derogatory debt. 

In addition to this complaint, I have another complaint in regards to Experian continuously sending an email to me stating my information on disputes have been updated, yet when I log on or follow the email link they send me, ABSOLUTLEY nothing shows up as a response or status for the disputes. Why does EXPERIAN NOT ALLOW ME TO SEE ANY OF MY DISPUTES ONLINE. I never signed up to just receive by mail. EXPERIAN doesn't even send me letters in the mail for responses of disputed information and their statuses. I specifically included in my letters, each one of the letters for over 6 months, to send me something in writing in regards to my disputes.

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 2021-07-24 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
My credit report from the year XXXX shows student loans opened on XX/XX/XXXX, under an installment account which was updated on XX/XX/XXXX and closed on XX/XX/XXXX with an outstanding balance of {$29000.00}, which were transferred over to the lender XXXX. I spoke to XXXX  and called them at XXXX, after receiving a letter from XXXX indicating I had started a dispute with the credit bureau XXXX  and XXXX and in order to continue disputing this charge due to identity theft, I needed to contact my lender, which is XXXX. I spoke to an individual by the name of XXXX on XX/XX/XXXX and she was not able to answer my questions as far as what schools was this consolidation pertaining to. I mentioned very clearly the only schools I have attended have been XXXX XXXX XXXX XXXX in XXXX XXXX, TX ( it has been shut down and I never received my XXXX XXXX XXXX on the mail ), XXXX XXXX in XXXX XXXX, TX and XXXX XXXX XXXX of XXXX XXXX. I only took a few classes at each school. She did not have any further information. My student loans are in good standing because I have been paying for them and right now they are in forbearance due to the Covid crisis. The student loan consolidation is very suspicious and I mentioned to XXXX from XXXX very clearly those student loans from XXXX are not mine. She did not know what to say. She promised to follow up with me and submit a claim, and I have not heard from anybody. My identity has been stolen since XXXX. It has been stolen on several occasions with the purpose to open fraudulent bank accounts, fraudulent email accounts, fraudulent payday loans, personal credit lines, and student loans. I have disputed a fake address on my credit report from XXXX, XXXX  and XXXX  as well as unknown telephone numbers. Fake email accounts have been open under my name as well. 
I have filed a police report already with the XXXX XXXX Police Department, the Federal Trade Commission and the Social Security Administration. I have also placed alerts, freezes and locks on the 3 credit bureaus. 
I have not received any response from XXXX and they are failing at complying with this identity theft investigation. 
Another problem has been the company PayPal. I have contacted PayPal for a solution regarding my identity theft situation and they have not complied to provide to me with the information I need to submit to my local law enforcement and pertinent authorities. They have not even attempted to send me a letter with steps on what to do or even a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: TX

Complaint narrative:
My credit report from the year XXXX shows student loans opened on XX/XX/XXXX, under an installment account which was updated on XX/XX/XXXX and closed on XX/XX/XXXX with an outstanding balance of {$29000.00}, which were transferred over to the lender XXXX. I spoke to XXXX  and called them at XXXX, after receiving a letter from XXXX indicating I had started a dispute with the credit bureau Experian and XXXX  and in order to continue disputing this charge due to identity theft, I needed to contact my lender, which is XXXX. I spoke to an individual by the name of XXXX on XX/XX/XXXX and she was not able to answer my questions as far as what schools was this consolidation pertaining to. I mentioned very clearly the only schools I have attended have been XXXX XXXX XXXX XXXX in XXXX XXXX, TX ( it has been shut down and I never received my XXXX XXXX XXXX on the mail ), XXXX XXXX in XXXX XXXX, TX and XXXX XXXX XXXX of XXXX XXXX. I only took a few classes at each school. She did not have any further information. My student loans are in good standing because I have been paying for them and right now they are in forbearance due to the Covid crisis. The student loan consolidation is very suspicious and I mentioned to XXXX from XXXX very clearly those student loans from XXXX are not mine. She did not know what to say. She promised to follow up with me and submit a claim, and I have not heard from anybody. My identity has been stolen since XXXX. It has been stolen on several occasions with the purpose to open fraudulent bank accounts, fraudulent email accounts, fraudulent payday loans, personal credit lines, and student loans. I have disputed a fake address on my credit report from Experian, XXXX  and XXXX  as well as unknown telephone numbers. Fake email accounts have been open under my name as well. 
I have filed a police report already with the XXXX XXXX Police Department, the Federal Trade Commission and the Social Security Administration. I have also placed alerts, freezes and locks on the 3 credit bureaus. 
I have not received any response from XXXX and they are failing at complying with this identity theft investigation. 
Another problem has been the company XXXX. I have contacted XXXX for a solution regarding my identity theft situation and they have not complied to provide to me with the information I need to submit to my local law enforcement and pertinent authorities. They have not even attempted to send me a letter with steps on what to do or even a phone call.

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 2021-07-24 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: GA

Complaint narrative:
My information was compromised and I reported the following errors on my credit report to XXXX  for review. 

I did not submit an application or initiate a inquiry and I am requesting that the inquiry be removed. 

XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX/XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I previously requested to have the items removed. I was advised the items would be removed and they have not been. 

Please remove the following inquires as I did not inmate an inquiry.

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 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Bankruptcy was disputed early XXXX of 2021 with XXXX XXXX. 
Disputed Bankruptcy with XXXX XXXX as the wrong and old information is being reported to credit bureaus. In early XXXX received information from XXXX XXXX that an investigation had been completed and the information researched was invalid and would not be reported any longer. 
Completed dispute with all 3 credit bureaus, in which they never changed the bankruptcy from being removed although the reporting agency has stopped reporting. 

I am writing this complaint as I am being intentionally targeted by the credit bureaus continuing to report false and inaccurate information. 

I respectfully send you this complaint coming with faith that it will be heard, rectified and resolved.

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 2021-07-24 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: TN

Complaint narrative:
I disputed inaccurate and incomplete information regarding an account number. I also requested a description of the procedure used to determine the accuracy and completeness of the information from Equifax. I have not received it, and after 3 months Equifax is still reporting inaccurate and incomplete information. On XX/XX/2021 I received a response from Equifax stated the reinvestigation of a creditor was accurate. According to the FCRA, if I have requested how it was investigated, I am supposed to receive that information. 

XXXX  has been reporting companies on my file that violated the Hippa law and is reporting my medical information as proof of validation. 

XXXX, Equifax and XXXX  has inaccurate and incomplete information regarding account number. The numbers are covered with ****and according the to FRCA the account numbers should be full disclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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:
XX/XX/XXXX Hello Equifax, Recently, I viewed a copy of my credit report and noticed some old information that I need removed. I am certain that this account is affecting my credit scores, denying me of loans that I need for business expenses and costing me too much time and money every year. 

Listed below is the account that I have identified, and want to have removed. 

XXXX XXXX XXXX I am sure you are aware that my rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear, I ask kindly that this account be removed from all current and future credit reports. 

Also, I would appreciate it if you would please forward me the information of any individuals and or organizations you reached out to so I will be able to follow up with them on my end.

I am certain that 30 days is plenty of time for your company to look into this account.

I believe that under Section 611 ( a ), it is clear that the failure to investigate this account within 30 days constitutes a reason to permanently remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: WI

Complaint narrative:
hi I am XXXX, I OPENED AN ACCOUNT IN GEMINI ( XXXX XXXX ) Gemini Trust Company , LLC. 
I UPLOADED ALL THE DOCUMENTS TO VERIFY THE ACCOUNT AND ACCOUNT GOT VERIFYED. 
I MADE A WIRE TRANSFER FROM MY XXXX XXXX  ACCOUNT FOR {$25000.00} ON XXXX.WHICH I GOT IN GEMINI ACCOUNT. BUT THEY RESTRICTED MY ACCOUNT TO TRADE BUY/SELL/WITHDRAWL MY MONEY IS STUCKED THERE. I GOT THE MAIN FOR WIRE CONFIRMATION AND THEY NEED TO VERIFY THE WIRE FOR THAT THEY NEED SOME ADDITIONAL DOCUMENTS I.e. MY PHOTO WITH ID PROOF, DATE AND NOTE WRITTEN ON PAPER I attest that I am voluntarily opening a Gemini account and no one has instructed me to do so AND I HAVE SEND XX/XX/21 ( XXXX XXXX ) BUT STILL MY ACCOUNT IS RESTRICTED AND I CANT USE MY OWN MONEY. I EMAIL TO COMPANY SO MANY TIMES RAISED THE TICKETS FOR COMPLAINTS BUT NO RESPONSE FORM THE GEMINI SIDE. I FEEL I LOST MY MONEY.

PLEASE HELP GETTING MY ACCOUNT ACTIVATE ASAP. AS ITS A HUGE AMOUNT.

MY REGISTERD USER NAME WITH GEMINI IS XXXX ATTCHING DOCUMENTS 1. PHOTO WHAT THEY ASKED TO VERIFY UPLOADED 2 TIMES 2.MESSAGE WHICH SHOWS RESTRICTED 3 PROOF FOR {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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:
My information was compromised and I am requesting to dispute the following inquires as I did not initiate and application or initiate the following Inquires on my credit report. 

XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Personal Loan Company Inquiry Date : XX/XX/XXXX I submitted a request to dispute the inquiry I was advised the Inquires would be removed however they have not been removed from my credit report. 

Please investigate and remove fraudulent inquires from my credit report.

Company response to consumer: Closed with explanation