vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Gemini Trust Company , LLC offers an account called XXXX XXXX  ( They've also referred to the account as XXXX XXXX  ) Customers are able to deposit cryptocurrency assets into the account where they earn interest. The XXXX  account is promoted as a safe way to earn interest on cryptocurrency assets. Gemini promises that assets can been redeemed at any time, instantly. 

I opened an XXXX account with Gemini in XX/XX/XXXX. I made my first transfer into the account on XX/XX/XXXX. The amount was XXXX. I received an email confirmation. The text of the email stated very clearly that I can redeem the funds at any time. 

Since that time, I transferred a total of XXXX into my XXXX account. ( as of XX/XX/XXXX ) The total interest earned on all of my assets in the XXXX program is XXXX 

On XX/XX/XXXX I initiated a redemption from the XXXX program for XXXX. I received a message stating the funds would be available by XX/XX/XXXX or earlier. As of today the redemption is still " pending '' and I have not been received my assets back. 

I contacted Gemini support on XX/XX/XXXX regarding the pending redemption. They responded the same day stating they had paused the redemption of funds from the XXXX program. I corresponded with them again on XX/XX/XXXX and XXXX, XXXX. They have continued to state that they can not give me access to my assets and they have frozen withdrawals from my XXXX account. 

Gemini has indicated their partner company, XXXX XXXX XXXX is responsible for customer assets in the XXXX program. Theyve stated XXXX XXXX XXXX has frozen redemption and withdrawals from XXXX accounts. They have not been able to provide additional information, or to give a date when my assets would be available for withdrawal. I have not been able to reach XXXX XXXX XXXX regarding the issue. 

Gemini Trust Company , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX floor XXXX XXXX NY XXXX United States XXXX # : XXXX # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I.C.SYSTEM INC. is reporting a debt owed to XXXX for {$910.00} and I never had any accounts with XXXX. I wrote a letter to I.C. Systems and requested validation of the debt. I requested a copy of my signature on the contract they should have. All I got from them was a statement from I.C. Systems that that is verification and a statement from XXXX with bill period of XX/XX/XXXX- XX/XX/2017. These statements only have my name and address. No proof I incurred the debt and or if I am the right XXXX XXXX. I've never XXXX or XXXX XXXX as they show. I only use prepay phones through XXXX. Before finding this on my credit file. No one has sent me letters or attempted to contact me before listing it on my credit file.

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 2022-12-20 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: PA

Complaint narrative:
i have tried challenging the 100 % accurate reporting of information being reported by XXXX XXXX and equifax for an account that reads that the creditor is XXXX Bank various times ... ..each time they send letters saying that they are reporting accurate information... how is that so i am looking at my credit report as we speak and can see the inaccuracies... all 3 credit bureaus are violating my consumer rights so i am reaching out to you the cfpb for help .... 

this account is reporting 3 different dates of last payment transunion and experian are reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX but if you look at equifaxes 2 year history they are reporting XX/XX/XXXX as the date of last payment they are reporting 3 different dates of last active transunion is reporting XX/XX/XXXX XXXX  is reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX this company is reporting this as a charged off account but never send me a copy of a 1099c as required by law...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: PA

Complaint narrative:
i have tried challenging the 100 % accurate reporting of information being reported by XXXX, experian, and XXXX for an account that reads that the creditor is XXXX XXXX  various times ... ..each time they send letters saying that they are reporting accurate information... how is that so i am looking at my credit report as we speak and can see the inaccuracies... all 3 credit bureaus are violating my consumer rights so i am reaching out to you the cfpb for help .... 

this account is reporting 3 different dates of last payment XXXX  and experian are reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX but if you look at XXXX  2 year history they are reporting XX/XX/XXXX as the date of last payment they are reporting XXXX  different dates of last active XXXX  is reporting XX/XX/XXXX experian is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX this company is reporting this as a charged off account but never send me a copy of a XXXX as required by law...

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 2022-12-20 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: GA

Complaint narrative:
This complaint comes forward as I XXXX XXXX have reached out to Experian numerous times, in this particular case Experian Fraud Dept as they have reviewed my complaint and my dispute towards fraudulent Reporting activities on my credit profile have stated that they were going to update my credit profile however, they have not I have given them a federal affidavit as well as a truth in fact statement towards accounts and inquiries that have been fraudulently placed on my credit profile after a data breach yet to no avail.

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 2022-12-20 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: DigniFi
State: TX

Complaint narrative:
I WAS NOTIFIED BY EMAIL OF A PROMOTION AND EVENTUALLY CALLED BACK WITH THE THOUGHT OF XXXX DOWN IF USING MY CREDIT AS A ASKED MULTIPLE TIMES ON THE PHONE... SHE SAID NO YOU WONT HAVE TO PAY NOTHING IF APPROVED AFTER BEING PERSUADED BY FALSE WORDING FROM HER SHE RAN IT WELL AS THE CREDIT WAS RAN I WAS ONLY APPROVED FOR XXXX THE SALE REP WORDS WERE " OHHH NO I DIDNT KNOW I THOUGHT IT WOULD POSIBBLY PAY ALL '' AFTER SAYING IT WOULD I OPTED OUT AND NEVER USED CREDIT AND CALLED ON A LATE FRIDAY THEY SAID IT WOULD BE REMOVED STILL NOTHING INTIAL EMAILS ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: CITIBANK, N.A.
State: MS

Complaint narrative:
Received notification via email that I have applied and opened a credit card with CitiBank. 

I have notified CitiBank of the fraud and requested they cancel the card. 

I was informed they cancelled the account ; however, it seems that is not the case and now CitiBank is mailing out the new card. 

No one from their fraud department has reached out since I reported the issue. 

XXXX  credit report shows the inquiry on my account.

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 2022-12-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello. I did not give consent to the credit bureaus ( Equifax, XXXX and XXXX ) to add my XXXX  to my credit report. The XXXX XXXX XXXX XXXX XXXX XXXX states that they do not report to the credit bureaus. Can you please verify how this information was added? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: IL

Complaint narrative:
Hello. I did not give consent to the credit bureaus ( XXXX, XXXX and Experian ) to add my bankruptcy to my credit report. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  states that they do not report to the credit bureaus. Can you please verify how this information was added? Thank you.

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 2022-12-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # 's XXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : 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, has violated my rights. Pub. L. 90-321 [ 5 USC 1681A SUBSECTION 4 ( Consumer Privacy Act ) ] Pub. L. 90-321 [ 15 USC 1681B subsection 2 ( No written consent ) ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I bought my car through XXXX and the banking company was Santander Consumer Usa. The dmvs for a full year couldnt find information on my car while santander was collecting payments from me. Satander decided to close my account without my knowledge but I registered my car in my name. The dmv said there wasnt any leinholder and gave me the full title in my name. Months later, santander is trying to repossess my car. XXXX knows nothing and santander wont talk to me about the situation. The first time the tow driver left because i was able to show him my title. This time, my car was reposessed at night and wasnt able to show them my pink slip. Now XXXX XXXX is still ignoring me. 
All of the legal documents i own, including the title in my name only will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
I had a break in and didnt file a report because I didnt notice anything missing. But after a couple of years I started noticing different things on my credit about credit cards I never had. So I figured it must have been from the break in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: I.C. System, Inc.
State: TX

Complaint narrative:
I had a break in and didnt file a report because I didnt notice anything missing. But after a couple of years I started noticing different things on my credit about credit cards I never had. So I figured it must have been from the break in.

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 2022-12-20 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I had a break in and didnt file a report because I didnt notice anything missing. But after a couple of years I started noticing different things on my credit about credit cards I never had. So I figured it must have been from the break in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
JPMORGAN does not have written consent pursuant to 15 USC 1681b based on my credit as a result of identity theft. JPMORGAN has failed to produce a judgment or the original contract with my signature, original creditor information and full payment history pursuant to FCRA Section 604 and 609 and has initiated litigation that was subsequently dismissed. Consequently, JPMORGAN made false claims to credit bureaus. My birth name is XXXX XXXX XXXX and credit was established as such e.g. with XXXX and other consumer credit cards prior to XX/XX/2006. My married name is XXXX XXXX XXXX XXXX. Please delete any other references and addresses as they are not mine e.g. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: PREFERRED CREDIT INC
State: NC

Complaint narrative:
FCRA Violation: credit card not mine
PREFERRED CREDIT XXXX XXXX XXXXXX/XX/XXXX- XX/XX/XXXX
FCRA Violation: hard enquiries not mine
XX/XX/XXXX
FCRA Violation: addresses and name not mine
XX/XX/XXXX, TX
XX/XX/XXXXXX/XX/XXXX TX
XX/XX/XXXX

FCRA Violation: auto loan never lateXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I had a debt that was not mine, tried to pay it just to get rid of it. I reached out here before. The company said they would send to the fraud department and reach out in 90 days. They never once got in contact with me, not by phone or mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
This past summer ( 2022 ) I received a message from XXXX XXXX XXXX stating that they were going to cancel my card and another card would be issued in it's place. 
I didn't want another credit card, so I paid off my balance of the card that was being shut off. However, I did receive a card with a different account number from Comenity Bank. 
I did not want it so I destroyed it. 
I eventually received a statement from XXXX billing me for an automatic payment that was on my BOA card that was shut down. 
I had no intention of using that new card from the start. 
I strongly feel that I never approved any transactions for that account. 

Important note : Admittedly, I am an older senior and my memory is not as good as it was - however, I still strongly feel that I never approved any transactions. 
I have contacted them a while back and I thought that the issue was resolved. 
However, I just received another bill with a previous balance of {$110.00} listed and a {$25.00} late fee. Every time I try to contact them by phone, they want my CC number which I no longer have ( but I can see it ends in XXXX from my statement ) or they want my SS number which I refuse to give. It's an automated system, so I can't get through to a live representative. I do not want this to negatively affect my XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20 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: AZ

Complaint narrative:
XX/XX/2022, I sent a letter to the XXXX XXXX XXXX XXXX XXXX  asking do they report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information2 on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times : The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I am requesting my XXXX XXXX bankruptcy be removed from all 3 credit bureaus immediately. I also am requesting a copy of my credit report from each credit bureaus stating this information has been removed 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 non-monetary relief
Consumer complaint received 2022-12-20 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: MS

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint on behalf of myself. I constantly check my credit report and noticed that the errors and false and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me tremendously and held me back for quite some time now. I am demanding the CFPB to enforce the correction and/or deletion of these items.

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 2022-12-20 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
Loss payment from XXXX. Refuse to apply funds sent by XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Payments was sent and They have not applied to account. 
I have tried to explain to the company Im actively in bankruptcy and they have neglected to acknowledge my bankruptcy case that has not been XXXX. Every-time, I call the tell me this is an attempt to collect a debt. Cardinal Financial is not following bankruptcy law. Attached is my active bankruptcy case and the Award letter from my Assistant from government agency.

Company response to consumer: Closed with explanation