vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Well I have debt collectors keep calling me about something I have no ideas about I dont owe anyone at all I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I have never done any business with any company that goes by Fidelity Creditors Services or any affiliated company nor taken out any type of loan. The alleged debt they are charging me is over 9 years old and has been bought and resold many times over. Fidelity Creditors continues to charge me interest although they have failed time and time again to provide me or signed contract/s and/or evidence of loan/s or financial services they claim they have rendered to me Please help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
XXXX XXXX XXXX  opened a collections account for {$XXXX} to my account and reported it to TransUnion, XXXX, and XXXX on XX/XX/2022. The original creditor is shown as XXXX XXXX XXXX. I have no knowledge of this account as I have no purchase any services or good from XXXX in the last 10 years. 

I disputed this negative account on XXXX XXXX to TransUnion and XXXX on XX/XX/XXXX but they will not remove it from my account. Only XXXX has successfully removed this from my account. THIS IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED FROM MY CREDIT REPORTS!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 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: EQUIFAX, INC.
State: RI

Complaint narrative:
XXXX XXXX XXXX  opened a collections account for {$XXXX} to my account and reported it to XXXX, Equifax, and XXXX on XX/XX/2022. The original creditor is shown as XXXX XXXX XXXX. I have no knowledge of this account as I have no purchase any services or good from XXXX in the last 10 years. 

I disputed this negative account on XXXX XXXX to XXXX and Equifax on XX/XX/XXXX but they will not remove it from my account. Only XXXX has successfully removed this from my account. THIS IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED FROM MY CREDIT REPORTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

ACCOUNT TYPE : DEBT BUYER DATE OPENDED : XX/XX/2021 PAYMENT STATUS : PAID IN FULL, WAS IN COLLECTION. ACCOUNT SHOULD BE DELETED FROM CREDIT REPORT. I HAVE A LETTER FROM THE COMPANY STATING IT SHOULD BE CLOSED AND DELETED FROM 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 2022-03-17 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: VA

Complaint narrative:
I reviewed a copy of my credit report and I noticed several fraudulent/unauthorized hard inquiries that needs to be removed from my credit report. The inquiries to be removed are listed below and I will also like to add that I was a victim of the XXXX XXXX data breach. 

XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX Ser XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2022-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC

Complaint narrative:
On the XXXX of XXXX, I had deposited XXXX into my XXXX wallet which is in my Gemini account. I then proceeded to purchase the crypto currency XXXX and tried to withdraw the funds to an external wallet. As I try to wirhdraw it an error message comes up saying Withdrawal not available : Temporary security period. I emailed Gemini the same day to sort the issue and received a reply stating I should upload a selfie holding a piece of paper and my ID. This task was very difficult as they was asking to be able to read the information on my ID. After multiple tries, they finally accepted the selfie and told me that this case will be escalated so I can withdraw. However for 2 days I didnt receive any response or update. I had to chase them up on XXXX with no reply. I then went to XXXX where I had to create multiple threads in order to receive a reply. I was then emailed by Gemini again and this time was asked to upload further documentation. I uploaded my bank statement and all till now I have not received a reply nor have had access to my funds. While Gemini has the right to close any account for any reason they do not have the right to freeze and hold your assets without a legal reason. I have not been provided a reason as to why my account is frozen and I have a lot of bills to pay. My money being held is putting me at distress. It has been more than a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

ACCOUNT TYPE : DEBT BUYER DATE OPENDED : XX/XX/2021 PAYMENT STATUS : PAID IN FULL, WAS IN COLLECTION. ACCOUNT SHOULD BE DELETED FROM CREDIT REPORT. I HAVE A LETTER FROM THE COMPANY STATING IT SHOULD BE CLOSED AND DELETED FROM 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 non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

ACCOUNT TYPE : DEBT BUYER DATE OPENDED : XX/XX/2021 PAYMENT STATUS : PAID IN FULL, WAS IN COLLECTION. ACCOUNT SHOULD BE DELETED FROM CREDIT REPORT. I HAVE A LETTER FROM THE COMPANY STATING IT SHOULD BE CLOSED AND DELETED FROM CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I don't have to much information, the account was open under my name without my knowledge and was charge with more than {$500.00} plus fees, te account need to be closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is the third time I am filing a complaints again 1st complaint number with Cfpb # XXXX complaint # XXXX.Experian had spoke to your company and said that it was not appearing on my credit report I gave it time they sent me a letter from Experian she wasn't on there I have a credit monitoring I ran my report and it was on there I called you guys again to tell you that they put it back on so I just I was second time now this is the third time I go to look at my credit report and not only do they put back the account with terrible unaccurate payment history they put XXXX back on which is not mine this is a very serious offense and now this is the third time I'm speaking to you guys you need to do something or you'reme they said and they also said to your company that they did not have the account which is XXXX  XXXX  the account number XXXX xxxxx in the amount of XXXX.they have lied twice and now I just again looked at my credit report and they actually put not only the portfolio but the original XXXX  which again I've been fighting for these accounts to get off my credit report since XXXX of XXXX.I filed a report this morning with the Fair Credit Reporting Agency XXXX have attached the letters that I have sent XXXX XXXX XXXX XXXX certified mail back in XXXX I have all of them since XXXX XXXX.I will keep calling I will keep reporting and making complaints until somebody does something and have experience in the certified letter saying that these are off my credit report and I keep putting them back on and they're not my accounts it's ruining my credit and I can't go forward I'm a single mother and I need my credit score to do anything I can't buy a car I can't buy a house I can't even rent an apartment I can't even get insurance for my car next thing I will be doing is going to the news paper and telling my story I don't understand how your company is allowing experience to do this chicken consumers it's not only me you have a problem with them I read on your website please they have to take off the XXXX XXXX  XXXX  and a XXXX  that they put on again and they take off and put on it's against the law and you know this is against the law so I'm the next thing I'm going to have to do is just I'm going to have to just take you to both of you and you know this is against the law so I'm the next thing I'm going to have to do is just I'm going to have to just take this up in court with your agency and Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express, through its Collection Agent, XXXX XXXX claimed to have agreed to a resolution of a disputed debt. When asked for written confirmation of the arrangement, XXXX initially claimed a letter memorializing the arrangement was mailed. One week later the promised letter never arrived. XXXX refused to email or fax confirmation of this arrangement and then advised that unless a payment was made ( despite still refusing to confirm anything in writing ) American Express would " recall '' their file. 

Every effort was made to assist XXXX in confirming the arrangement in writing. An email initiated to XXXX memorializing the terms was not responded to. XXXX 's refusal to confirm terms of the arrangement are highly problematic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX I wrote to the creditors above requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from any of them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX account # XXXX, XXXX XXXX BANK XXXX account # XXXX, XXXX account # 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 an 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 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NC

Complaint narrative:
Hello my name is XXXX XXXX I am a co-signer for a Sallie Mae XXXX XXXX XXXX I paid it in full and they havent sent my statement that its been paid in full and Ive called 23 times already and requested a statement that this loan is paid in full

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This company repeatedly calls asking for information not relating to me or my wife ON OTHERS. We have told them they are in violation FDCRA in that they have no authorization to contact anyone but the debtor. They need to cease immediately. XXXX XXXX XXXX comes up on internet Spam high risk... please report FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: FL

Complaint narrative:
Return Credit Score to XXXX Credit Score XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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:
Fraudulent inquiries and inaccurate account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: VA

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my credit report. But still those inaccurate information are constantly reported on my credit report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORTWrong address:XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXXCorrect address:XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX Please remove any other addresses. Correct Phone number : XXXX Please remove any other phone numbers. Correct DOB:XXXX Please update and remove any others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Elevate Recoveries, LLC
State: PA

Complaint narrative:
I never received any letters about my debt for a medical bill. I reached out to the collection company on XX/XX/2022 that was showing up on my credit report and it said I owed XXXX and we ended up settling for XXXX. Company said they would close it on my credit report and never did. I tried to dispute is 2 times already and they are denying it. They said they would send me emails of the receipt and showing that it was closed and I never got one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
i purchased a computer through XXXX and it arrived in a defective manner, When i contacted XXXX they said to return the computor for refund .I returned it they kept promising me a refund but after several weeks and several phone calls they did not send refund, I called Capital One to dissput the charge and they did so then two weeks later they charged my account again saying XXXX  said they never recieved the computor back .i called XXXX they sent me a letter saying they did recieve it and that it was up to capital one to credit my account because they admitted the falt was theirs.Now capital one ask for letters of correspondence between myself and XXXX i provided them and now capital one still refuses to credit my account??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: Rocket Mortgage, LLC
State: VA

Complaint narrative:
Someone from Rocket Mortgage ( my current lender ) called me unsolicited on XX/XX/22 and said that they wanted to see if they could find me a better mortgage option. I told them that was fine. XXXX days later my credit monitor reported that Rocket Mortgage had done a query on my credit report which will impact my credit score. The person from Rocket Mortgage NEVER said they would be doing this and I never gave permission for it. Additionally, they hit my wife 's credit report as well and they never even spoke with her, so they certainly did not have authorization for it. Someone from Rocket Mortgage called on XX/XX/22 and when I complained they tried to tell me that I should have known that their agent would do a credit lookup and then started asking me what I was going to use my credit for and whether I was looking for another loan of some sort at that time. IT'S NONE OF THEIR XXXX BUSINESS. IT'S **MY** CREDIT SCORE. 

These are deceitful business practices and they should be stopped. They should disclose what's involved with their " offer ''. I want them to mitigate the impact to my wife 's and my credit scores. And to never do this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: FL

Complaint narrative:
Return Credit Score to XXXX Credit Score Jail XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 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: FL

Complaint narrative:
Return Credit Score to XXXX. Credit Score Jail .

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