vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
Gemini 's EARN 's XXXX has been past for funds to be deposited and its been more than XXXX times the XXXX from the date of initiation. this is impacting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2022 I purchased an item on XXXX for {$1100.00}. I opened my Bank of America app and initiated a XXXX transfer in that amount to the seller. I later learned that the sellers account had been compromised and that this was a fraudulent transaction. I contacted Bank of America and while they did file a " billing '' complaint they offer no other protections to their customers. I believe that if Bank of America is going to have XXXX within their own app then they should stand behind the product and offer protection to their customers. Bank of America basically told me that there wasn't much they could do and that I needed to talk to XXXX. I filed a fraud complaint with XXXX and I received an email stating that they will look into the matter to prevent this from happening to anyone else. I believe that Bank of America and XXXX both have an obligation to their customers to provide purchase protection when utilizing their services.

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 monetary relief
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
SyncbAmazon PLCC ( The compmany was contact and ask to show proof that this account belongs to me. No one contact me back, nor later or call. I been identity theft since 2005. I also have a lock on my account. ( ACCOUNT NEED TO BE REMOVED ALL THE INQUIRIES NEED TO BE REMOVED. I HAVENT APPIED FOR ANYTHING IN 2-3 YEARS

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 2022-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I purchased a product from a website. This website had a phone number and address. A representative called me and offered me a 15 % discount if I paid by zelle which is a service offered by XXXX XXXX. A payment of {$330.00} was made to a rep from the company named XXXX XXXX  at phone number XXXX XXXX XXXX. After payment was made, I received a shipping update and then nothing. The business phone number has since been disconnected. The amount of money lost is {$330.00}. I contacted Zelle directly and THEY stated that I had to contact XXXX for a claim. On XX/XX/XXXX, I contacted XXXX by phone and opened up a claim. I was told that the {$330.00} would be returned and a investigation would be opened. I offered copies of my documentation but they declined stating, " we wont need it ''. On XX/XX/XXXX, I received a letter from XXXX stating that my claim was denied because the purchase was valid? XXXX has failed to help me with this fraudulent case. Zelle needs to reverse the funds and return them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: OH

Complaint narrative:
I have sent XXXX cards a validation letter disputing the debt on XXXX. Pursuant to the FDCPA. XXXX cards failed to provide me any evidence within XXXX  days that they have a right to collect on this debt. Therefore by law the account is errant and must be zeroed and removed from my credit report. XXXX closed the account but failed to zero it and also reported negatively on my credit report. I also sent another round of letters to their headquarters in New York. Still no validation response from them. Also sent letters to all three reporting agencies along with all correspondence i sent XXXX cards saying that the creditor has not validated the debt, the account is errant and needs to be removed by law. The reporting agencies failed to remove the account and follow the law as well. XXXX removed the account at first from my report but then put it back on after the validation time was over. I believe that is also a violation of the law to remove an account and then put it back on.

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 2022-12-13 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: OH

Complaint narrative:
I have sent XXXX cards a validation letter disputing the debt on XXXX. Pursuant to the FDCPA. XXXX cards failed to provide me any evidence within XXXX  days that they have a right to collect on this debt. Therefore by law the account is errant and must be zeroed and removed from my credit report. XXXX closed the account but failed to zero it and also reported negatively on my credit report. I also sent another round of letters to their headquarters in New York. Still no validation response from them. Also sent letters to all three reporting agencies along with all correspondence i sent XXXX cards saying that the creditor has not validated the debt, the account is errant and needs to be removed by law. The reporting agencies failed to remove the account and follow the law as well. Equifax removed the account at first from my report but then put it back on after the validation time was over. I believe that is also a violation of the law to remove an account and then put it back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: OH

Complaint narrative:
I have sent XXXX cards a validation letter disputing the debt on XXXX. Pursuant to the FDCPA. XXXX cards failed to provide me any evidence within XXXX days that they have a right to collect on this debt. Therefore by law the account is errant and must be zeroed and removed from my credit report. XXXX closed the account but failed to zero it and also reported negatively on my credit report. I also sent another round of letters to their headquarters in New York. Still no validation response from them. Also sent letters to all three reporting agencies along with all correspondence i sent XXXX cards saying that the creditor has not validated the debt, the account is errant and needs to be removed by law. The reporting agencies failed to remove the account and follow the law as well. XXXX removed the account at first from my report but then put it back on after the validation time was over. I believe that is also a violation of the law to remove an account and then put it back on.

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 2022-12-13 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: CA

Complaint narrative:
Notice, it is a fact, XXXX is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction XXXX, Transunion, and XXXX has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, Transunion, and XXXX has committed identity theft. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and information associated with 1. The inquiry was not authorized by me. 
XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized by me XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized by me. 
XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized by me XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
5. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
6. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
7. The inquiry was not authorized by me XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report 8. The inquiry was not authorized by me XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove from my credit report. 
9. The inquiry was not authorized by me XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove from my credit report. 
10. The inquiry was not authorized by me XXXX  Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
11. This account is not mine US DEPT OF ED/XXXX  Account Number : XXXX Please remove from my credit report. 
12. This account is not mine XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove from my credit report. 
13. This account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove from my credit report 14. Never late on this account. 
XXXX XXXX XXXX XXXX It states that Ive been late XX/XX/XXXX and XX/XX/XXXX. 
15 U.S. CODE 1666B If the creditor fail to provide documentary evidence violates the requirements of 15 U.S.Code 1637 ( B ) ( 2 ) ( A ) and the creditor can not report late payments.

Remove items from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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:
Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction XXXX, XXXX, and Equifax has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, XXXX, and Equifax has committed identity theft. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and information associated with 1. The inquiry was not authorized by me. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized by me XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized by me. 
XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized by me XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
5. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
6. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
7. The inquiry was not authorized by me XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report 8. The inquiry was not authorized by me XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove from my credit report. 
9. The inquiry was not authorized by me XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
10. The inquiry was not authorized by me ONEMAIN Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
11. This account is not mine XXXX XXXX XXXX XXXX Account XXXX : XXXX Please remove from my credit report. 
12. This account is not mine XXXX OF XXXX XXXX Account Number : XXXX Please remove from my credit report. 
13. This account is not mine XXXX XXXX XXXX Account Number : XXXX  Please remove from my credit report 14. Never late on this account. 
XXXX XXXX XXXX XXXX It states that Ive been late XX/XX/XXXX and XX/XX/XXXX. 
15 U.S. CODE 1666B If the creditor fail to provide documentary evidence violates the requirements of 15 U.S.Code 1637 ( B ) ( 2 ) ( A ) and the creditor can not report late payments. 
Remove items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am submitting a formally complaint because I was contacted by XXXX on XX/XX/XXXX via a recorded call line. Pertaining to a voice mail I received from XXXX XXXX at Hunter Warfield on XX/XX/XXXX. The phone call stated that they were attempting to collect a debt. I stated that the debt was false and sent a certified letter to dispute the debt. 

I sent an email on XX/XX/XXXX stating and got no reply. 

Hello, I am responding to your contact about a debt you are trying to collect. Attached is a letter in the format of a PDF and Word document. Please be advised that I have also sent this letter via certified mail. Please confirm your receipt of this email. 

Best, XXXX XXXX I sent two emails on XXXX and got no response. 


Hello, This is XXXX XXXX. I am following up regarding the letter I emailed and mailed on XX/XX/XXXX. Please confirm receipt of this email. 

I am also attaching the letter to this email for reference. 

Please note that this is the email that supervisor XXXX gave me on XX/XX/XXXX via a recorded call line. Pertaining to the voicemail I received from XXXX XXXX at Hunter Warfield on XX/XX/XXXX. 

Please respond accordingly or I will be contacting the Attorney Generals office and the CFPB. 

Best, XXXX XXXX XXXX, This is XXXX XXXX. Following up to provide proof of delivery for the letter I sent in response to the phone call I received on XX/XX/XXXX from XXXX XXXX at Hunter Warfield. 

Please follow up with me accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am a natural person, I am a living human being, I have rights I know my rights ALLY violated my rights in this contact numerous of times. I demand a refund and accounts to be removed or paid in full. 

The contract was breached or violated by : 15 U.S. Code 1605 - Determination of finance charge 15 U.S. Code 1640 a -Each violation is 2x finance charge 15 U.S. Code 1662 - Advertising of down payments and installments 15 U.S. Code 1692j - Furnishing deceptive forms 15 U.S. Code 1635 - Right of rescission

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 2022-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Hello. Venmo informed me on XX/XX/2022 that my account " has been frozen due to recent activity that triggered some security alerts. '' The email did not say I needed to do anything to unfreeze the account, so I assumed I could access my account with a password change. 

When that did not work, I emailed Venmo 's customer service email with the issue on XX/XX/2022. They replied that my request has to be forwarded to another team, and " they will follow up with you here, via email in 7 business days to 2 weeks. '' I told them that timeline was not acceptable and that I have funds in my account that I need access to. 

When I did not receive a response, I called customer service. I explained my issue, but they insisted there was nothing they could do and I would have to wait for this other team to email me. They told me my lawyers could contact them and hung up. 

I note that their user agreement says nothing about this time period. 

Locking up people 's money around the holidays with no recourse for them to access it is appalling. I understand the security measures, but there should be a way to timely address this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX - XXXX closed my account for being 60 days late on a payment. 

XX/XX/XXXX - XXXX changed companies handling their auto-payment They say they tried to contact me. However, I never received any postal mail or e-mail letting me know my auto-payment would stop. If they called, no voicemail was left. 

XX/XX/XXXX - I saw a 120-day late payment hit my credit report. I immediately contacted XXXX to find out what was happening ( I have e-mail correspondence ). I was told about the change in auto-payment companies and immediately set up auto-payment again and brought my account current. 


Here are some things to note. I have been on auto-payment since XXXX and have not charged the card since XXXX, perhaps in XXXX. For 5 years, I have been on auto-payment with this card without using it during that time, so I was not watching for the {$39.00} a-month payment. I did not see that it was no longer being paid and had no reason to believe it wasn't. This has destroyed my credit when I need it most, post-Hurricane Ian and I can not get the credit I need due to this. I feel that I have shown to pay on this account on time for years then to have the bank change the company they use I get severely punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX - XXXX  closed my account for being 60 days late on a payment. 

XX/XX/XXXX - XXXX changed companies handling their auto-payment They say they tried to contact me. However, I never received any postal mail or e-mail letting me know my auto-payment would stop. If they called, no voicemail was left. 

XX/XX/XXXX - I saw a 120-day late payment hit my credit report. I immediately contacted XXXX to find out what was happening ( I have e-mail correspondence ). I was told about the change in auto-payment companies and immediately set up auto-payment again and brought my account current. 


Here are some things to note. I have been on auto-payment since XXXX and have not charged the card since XXXX, perhaps in XXXX. For 5 years, I have been on auto-payment with this card without using it during that time, so I was not watching for the {$39.00} a-month payment. I did not see that it was no longer being paid and had no reason to believe it wasn't. This has destroyed my credit when I need it most, post-Hurricane XXXX and I can not get the credit I need due to this. I feel that I have shown to pay on this account on time for years then to have the bank change the company they use I get severely punished.

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 2022-12-13 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: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation