vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not received any updated credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently checked my credit report and noticed several items with inaccurate and missing information.These items are negativity affecting my ability to obtain credit.The consumer reporting agencies need to report all information with complete accuracy.I have highlighted the items I dispute on the attached copies of my credit reports. I am now requesting you investigate and provide verifiable proof with records that these accounts are accurate. If the accounts listed below can not be verified as accurate, I demand these accounts be deleted. 
Enclosed are copies of my credit reports supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed items as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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:
XXXX is reporting negative information on my credit profile. I've asked them to show the opening contract to prove I opened this account which I did not. They have failed to do so. Instead, they send invoices. Invoices only prove this card someone opened made charges it doesn't show I opened this account or else then yes it would prove I personally made these charges otherwise it's a fraudulent account. THE ATTACHED DOCUMENT IS WHAT THEY RESPONDED WITH ( NOT WHAT I REQUESTED ) NOT A CONTRACT I SIGNED WITHXX/XX/XXXX OR ANY OTHER COMPANY THEY DO BUSINESS WITH.

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 2024-05-19 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: NC

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-05-19 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: NC

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
DEAR XXXX ; I am not accountable for the original company XXXX XXXX XXXX, and I have never entered into any contractual agreements with the collection agency XXXX. I have raised a dispute regarding this matter with the credit reporting agency, and they have affirmed the validity of the account based on your confirmation. However, I firmly believe that I have no association with either the collection agency or the original creditor. Moreover, there are multiple inaccuracies in the reporting of this account, which contravene the FCRA and FDCPA laws and regulations.

In an earnest attempt to resolve this issue cordially, I must request substantiation of this debt, specifically the alleged contract or any other documentation bearing my signature, along with proof of your authority in this matter. In the absence of such evidence, you are obligated to rectify any erroneous reports of this past debt attributed to me. 

I am formally requesting the following information : Please provide documentation demonstrating your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in relation to this alleged matter.

What legal basis authorizes your collection of information?

What legal basis authorizes your collection of this alleged debt? 
Kindly present evidence of your authorization to conduct business or operate in this state. 
Please furnish proof of the alleged debt, including the purported contract or any other documentation bearing my signature. 
I request a comprehensive account history, encompassing all charges added for collection purposes.

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 2024-05-19 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: PA

Complaint narrative:
I recently viewed my credit report and Ive noticed that I have a fraudulent account reporting on my credit report Im asking that this inaccurate account This company was involved in a class action lawsuit and that they were in violation of the ucc code there was a class action settlement involved with XXXX XXXX  please delete this account off 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 2024-05-19 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX Inquiry Date 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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
On XX/XX/2024 I sent early warning a letter for a investigation of the accuracy of the reported information in my consumer report. On XX/XX/2024 they responded by stating reinvestigation confirms that the information contained in my file is accurate and complete as of the date it was furnished to their database. On XX/XX/2024 I sent a method of verification requesting any documents to support their reporting FCRA 611 ( a ) ( 7 ) a description of the procedures used in my earlier disputes, all the information they used for their investigation, as FCRA 611 ( a ) ( 7 ) required, And Written proof that they forward all the relevant information in my earlier disputes to the creditor. FCRA ( a ) ( 2 ) ( B ). Early Warning responded by stating " EARLY WARNING DOES NOT HAVE ACCESS TO ACCOUNT DOCUMENTATION AND THEREFORE UNABLE TO PROVIDE COPIES OF ANY DOCUMENTS. Then referred me to the furnisher. It has been 60 days, and Early warning has failed to supply the demanded proof of the alleged items, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debts exits XXXX  XXXX BANK  XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
As of XXXX XXXX, 2024 I have not received any documentary evidence that XXXX XXXX followed the truth in lending Act and informed me of my right to opt out of reporting my information to XX/XX/XXXXparty credit reporting agencies as a customer of the financial institution. I have never received any documentation before they committed multiple violations under The Gramm-Leach-Bliley Act by furnishing my private financial information. 
XXXX XXXX received a notice from me informing them that per the Gramm- Leach Bliley Act, I am opting out of sharing my financial information and that I am exercising my right to privacyXX/XX/XXXXXXXX. This notice was sent by way of registered mail with tracking number XXXX and was received by XXXX XXXX XX/XX/year>. I have received, through the mail, a response from XXXX XXXX dated XXXX XX/XX/year> but was received XXXX XX/XX/year> with no tracking, stating that they will continue to furnish my NPI ( Nonpublic information ) information to a non-affiliated XX/XX/XXXXparty. This is in direct violation of the FCRA. 
I am demanding a cease and desist of all sharing of my NPI. If XXXX XXXX continues its sharing of my NPI to non-affiliated XX/XX/XXXXparties, I will file for litigation for actual damages caused through deception and unfairness as well as injunctive and equitable relief. 
I am in no debt to XXXX XXXX. I see no facts nor evidence. I have not received a loan. XXXX XXXX has not provided me with the account ledger nor treasury transcripts for the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: AL

Complaint narrative:
About XXXX  days ago a mass scam text message was sent to most, if not all, Gemini account holders. I have screenshots from social media to back up everything I'm saying. The scam text was the result of a Gemini hack about XXXX yrs ago that I have never been informed of. 
Gemini has not addressed this mass scam text. When their customers contacted Gemini because it's clear our info was part of a hack Gemini 's response was to freeze our accounts and make it impossible to gain access. 
This is a common technique among crypto exchanges - freeze people 's accounts and then never give them back access so they lose all their crypto. 
It would not surprise me in the least if Gemini DID send that text as a way to then go and freeze everyone 's account who contacted them about it. 
This is typical XXXX  crypto behavior that the government must rein in! 
I had to answer a bunch of questions from Gemini, change my password, and take a pic of myself holding my drivers license and a piece of paper with the date and a " special code '' on it. This is XXXX. 
My account was NEVER compromised - and if it was it's because of Gemini - there are no unauthorized logins, no crypto is gone. Yet Gemini is making me out as a criminal who must jump through endless hops! 
Literally, every day they tell me to complete a new task- it's like they think this a a scavenger hunt. XXXX XXXX! 
The last email tells me to download some tech I have no idea what it is, or how to use it. 
I'm not doing that. 
All I did was report a mass scam text that so many others reported too and are now locked out of their accounts - again - did Gemini send this scam text intentionally because they're about to have to pay out tons of money for a huge other scam they were involved in??? 
The feds have got to do something about these criminals- now! 
I want my account unfrozen immediately. 
If I miss any deposits Gemini will be responsible because this is absolutely them acting in XXXX XXXX and most likely they did this to steal people 's money by freezing their accounts. 
The government must look into this immediately as it was a mass scam text and numerous people reported it and had their accounts locked for simply reporting the text. 
I will be writing to the DOJ in DC to also let them know what Gemini is doing and that this is probably another fraudulent scam to try and cover the bills for their other fraudulent scam. 
I have also filed with the FTC and will be calling the SEC tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: FL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXXXXXX XXXX # XXXX, XXXX # XXXX, AND XXXX # XXXX HAS VIOLATED MY RIGHTS. 
I looked at my EXPERIAN credit report on XX/XX/2024 and noticed some things are incomplete and not accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conerning the invdividual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed

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 2024-05-19 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-19 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: NC

Complaint narrative:
I'm DISPUTING inaccurate personal information found on my credit report. This information is NOT ME and I have NO RELATIONSHIP to it. Please remove this information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for willful noncompliance to FCRA regulations. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX and XXXX XXXX XXXX XXXX, NC 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 2024-05-19 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: NC

Complaint narrative:
I'm DISPUTING inaccurate personal information found on my credit report. This information is NOT ME and I have NO RELATIONSHIP to it. Please remove this information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for willful noncompliance to FCRA regulations. Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX and XXXX XXXX XXXX XXXX, NC XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
on XX/XX/XXXX I tried to get pre qualified through Affirm for flights and noticed they had me blacklisted and said I had a charge off from an unpaid balance from XX/XX/XXXX. I called them because they violated the FDCPA by not " Speak with you in person, by telephone, Mail you a letter and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered or send you an electronic communication and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. '' I called and recorded the conversation and the rep acknowledged that they tried to send a notification through the app but said it didn't go through. I escalated to a supervisor as I knew this was not factual. When I informed them it was recorded, XXXX ( supervisor ) pivoted and said that they sent sms and emails too but they were " blocked '' I checked my preferences on the app and discovered I was still enrolled for all communications from them so he lied again. He said he would escalated and I informed him I would report this to the CFPC, FCC and find a lawyer for deprivation of civil rights 18 U.S.C. 242, 42 U.S. Code 1983. 

The phone recording cant fit in the uploads but I can always put it in a shared folder.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: FL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX  # XXXX HAS VIOLATED MY RIGHTS. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conerning the invdividual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed and what is wrong with Experian they don'y see the 1099C I included to this message they don't know that they have to remove this account so I'm attaching the 1099c again and demanding this account to be remove. STOP REPORTING CHARGE OFF THE BALANCE IS {$0.00} AND THE 1099C VERIFIES THAT.

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