vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PROFICIO FINANCIAL SERVICES, LLC
State: WA

Complaint narrative:
Proficio financial services and XXXX XXXXXXXX XXXX XXXX claimed that the business I was running back in XXXX did not pay them the insurance money that the insurance authorized. 
the business never received any contract or estimate from XXXX XXXX XXXX XXXX. They submitted the invoice to the insurance company. and the Insurance company approved only {$3800.00}. The business paid them what the insurance approved. 
They are trying to scam me for {$4400.00}. 
I do not owe XXXX XXXX XXXX XXXX anything. They got paid what the insurance approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: CA

Complaint narrative:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance {$18000.00}.

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 2022-11-04 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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:
The incorrect accounts was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX credit Bureaus was on XX/XX/2022, but still accounts are presented in my report. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: CA

Complaint narrative:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} ; DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPTEDXXXX XXXX Balance XXXX {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/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 2022-11-04 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPT OF EDUCATIONXXXX XXXX Balance : {$10000.00} ; ' DEPT OF EDUCATIONXXXX XXXX Balance : {$9300.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$1100.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$3000.00} XXXX DEPT OF EDUCATIONXXXX XXXX Balance : {$1900.00} XXXX DEPT OF EDUCATIONXXXX XXXX Balance : {$5900.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$5800.00} ; DEPT OF EDUCATION/XXXX XXXX Balance : {$3900.00} ; DEPT OF EDUCATIONXXXX XXXX Balance XXXX {$350.00}

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 2022-11-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
ACCOUNT NAME : ONEMAIN ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Capital One sent me an email encouraging me to apply for one of their cards. I applied and was given a {$300.00} credit limit. I have used the card heavily to take advantage of the rewards. With only a {$300.00} limit, Ive had to make frequent payments to continue use. At first, it was great. Id make a payment and the available credit would adjust immediately. After a couple weeks of use, my account was flagged for fraud. I had to send proof that it was my checking account that I was making the payments out of. I followed their instructions and the fraud flag was removed. Just a few days later, I noticed that my available credit was still not updating after making payments. I called today, XX/XX/22, and was told that the system had now put a hold on my payment for 26 days until the payment clears. The payment fully cleared and posted to my account three days ago. Keep in mind, Ive never had a returned payment. The first Capital One Rep I spoke with gave me a list of things to avoid to help prevent the system from doing this. I havent done any of those things to cause the system to flag my account. It is my perception and belief at this point that I am being targeted or discriminated against by Capital One or the system because I have a lower credit score which has put me in a high risk category in the system. I believe that Capital One or the system believes that because of my current score, and my high usage, that I am a fraud and not capable of the high usage and payments Ive been processing even though I make a {$190000.00} annual income. How often is this happening to other Capital One customers? What are their profiles? Is this happening to other customers with credit scores in the 750 to 800 range? Or only customers with lower credit scores that Capital One believes are frauds like myself? If other customers are truly being treated the way I am, customer retention would be XXXX. Why am I being targeted and made to feel like Im a fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: CA

Complaint narrative:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} ; DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPTEDXXXX XXXX Balance XXXX {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: CA

Complaint narrative:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2021 Balance {$18000.00}.

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 2022-11-04 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: PA

Complaint narrative:
1. The following personal information is incorrect Account Number : Former : XXXX T XXXX 2. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 5. The following personal information is incorrect Account Number : Employers XXXX XXXX XXXXXXXX XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

8. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

11. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX  XXXX 12. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX 13. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 14. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX 15. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 17. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX 18. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2022-11-04 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: KY

Complaint narrative:
i have tried several times to get credit bureau to remove adresses and fraudulent accounts opened as a result of identity theft aswell as inquiries that i did not make i have enclosed a copy of the identiy theft 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 2022-11-04 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: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : 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 2022-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: TN

Complaint narrative:
Date of transaction XX/XX/2022. Gemini I deposited a total of XXXX dollars into the account. Used that amount to buy crypto. For the crypto that XXXX transfer has been completed, I wanted to withdraw XXXX dollars worth of crypto to another wallet. Gemini said that there was a security hold on my account so I couldn't withdraw. I asked Gemini support on this matter and they told me I need to send a photo of myself, my driver 's license id, and a code/date. I did that and the customer support confirmed that my image was received and they said that they would message back. I never received any update regarding the security hold after that, and it seems like other people previously have had the same issue. 

The main issue is that my current is stuck on the exchange and they will not let me withdraw even though I confirmed everything required by the support team. Also, they never let me know why there was a security hold in the first place. 

Ticket ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
tried to find what best describes my situation. my credit card debt was sold to a collections agency and when i look on my credit report both the credit card issuer and the collection agency are on my credit report for the same debt reporting deferently. marked as potential negative. I asked the credit card company if they sold my debt why don't they drop it because even if I pay the collection agency the won't report that I paid the debt that they sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
My debt collection is still in OPEN status

Company response to consumer: Closed with explanation