vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have somebody else 's collection showing up on my Experian credit report. They have a similar name like mine but a different date of birth and a different social. I have called experian on the phone for 3 hours and they just put me on hold. I have also sent certified mail over 30 days ago ( proof attached ) and they have not resolved it yet. 

I have sent Experian plenty of proof that it is not me but they keep reporting the other persons collections under my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Someone opened a Macys credit card account under my name without my knowledge. I am receiving notices from a debt collector of {$300.00}.

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 monetary relief
Consumer complaint received 2022-03-28 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: NV

Complaint narrative:
I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. Please update this inaccurate account. XXXX XXXX XXXX XXXX Balance : {$9600.00}.

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 2022-03-28 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: NV

Complaint narrative:
I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. Please update this inaccurate account. XXXX XXXX XXXX XXXX Balance : {$9600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I HAVE DISPUTED WITH XXXX Bureaus OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS ; XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXX/XX/XXXX.I DO NOT RECOGNIZE THESE INQUIRES AND XXXX Bureaus VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: NV

Complaint narrative:
I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with XXXX & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these items. Here is the list of information I need removed/blocked from my credit reports : Names ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX The following accounts : XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$620.00}.

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 2022-03-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
I bought some furniture from XXXX for my son in early XXXX. When doing the credit application, I put my CORRECT HOME ADDRESS ( XXXX XXXX XXXX, XXXX, MD XXXX ), BUT XXXX XXXX  AND FORTIVA STUPIDLY USED THE DELIVERY ADDRESS AS MY HOME ADDRESS AND HAD THE AUDACITY AND UNMITIGATED GALL TO UPDATE THAT ADDRESS TO ALL 3 CREDIT BUREAUS. I DONOT AND WILL NOT EVER LIVE IN XXXX. I SIMPLY BOUGHT A GIFT FOR MY CHILD. I GUESS IF I SEND A GIFT TO XXXX AT THE XXXX XXXX, THEY SHOULD UPDATE MY ADDRESS TO XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: NJ

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
I got the Georgia Service Cancelable loan for the Georgia Student Finance Commission. I commissioned XXXX XXXX upon graduating school and there was some confusion with GSFC as to what documents I was supposed to give them. I was finally able to resolve the issue after a terrible amount of communication with GSFC, and then disputed the claims with the credit agencies. I thought that the issue had been resolved. Unfortunately, it had only gotten resolved with XXXX and not XXXX. The XXXX credit agency dispute shows the same way that it did before the dispute. I took the loan my last two years of school, where it was supposed to be paid off by years in service.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-28 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: NJ

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 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: NJ

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: NV

Complaint narrative:
I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these items. Here is the list of information I need removed/blocked from my credit reports : Names ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX : XXXX : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX The following accounts : XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$620.00}.

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 2022-03-28 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: NV

Complaint narrative:
I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with XXXX & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these items. Here is the list of information I need removed/blocked from my credit reports : Names ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following accounts : XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$620.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I got the XXXX XXXX XXXX loan for the XXXX XXXXXXXX XXXX XXXX. I commissioned XXXX XXXX upon graduating school and there was some confusion with XXXX as to what documents I was supposed to give them. I was finally able to resolve the issue after a terrible amount of communication with XXXX, and then disputed the claims with the credit agencies. I thought that the issue had been resolved. Unfortunately, it had only gotten resolved with XXXX and not Experian. The Experian credit agency dispute shows the same way that it did before the dispute. I took the loan my last two years of school, where it was supposed to be paid off by years in service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Paypal doesn't allow me to close my account and delete all my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I HAVE DISPUTED WITH XXXX Bureaus OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS ; XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXXI DO NOT RECOGNIZE THESE INQUIRES AND XXXX Bureaus VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I HAVE DISPUTED WITH XXXX Bureaus OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS ; XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXXI DO NOT RECOGNIZE THESE INQUIRES AND XXXX Bureaus VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 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: HI

Complaint narrative:
Re : Case # XXXX Transfer of USDT ( Tether ) from XXXX XXXX to Gemini I have an account with XXXX XXXX where I had {$25000.00} worth of USDT ( Tether ) stored and noticed some unusual activity going on in the account. It looked like it was being monitored and test transactions were being run to withdraw crypto funds. This was taking place while I was on vacation in XXXX for several months. Communication was difficult due to time differences and security issues. 

I my haste and panic I immediately transferred the money out of the account without converting it to ether, which is the currency accepted by Gemini where I was transferring the crypto to. Instead of rejecting the transfer which is done by my other crypto wallet ( XXXX ) they posted it to the blockchain but denied me access to withdraw essentially keeping my account at {$0.00} rather than the {$25000.00} that was transferred to it. 

They asked for information regarding this transaction such as : the transaction hash the date and time of the transaction the amount etc I supplied them this information ( screen shots of the transaction info ) multiple times and they kept asking for the same info over and over. Never to acknowledge they received the info I communicated with them regarding this matter on : XX/XX/22 ( first contact day in XXXX which is a day ahead of the US ) XX/XX/22 ******Initial response back was inaccurate and DID NOT pertain to the same transaction, had to correct them several times. 
XX/XX/22 contacted XXXX XXXX Gemini on XXXX Forums XX/XX/22 XX/XX/22 XX/XX/22 contacted XXXX XXXX also on the XXXX forum XX/XX/22 XX/XX/22 More than a dozen times! 

The account was also hacked so an additional {$1000.00} of USDT was removed from my account. 

Total amount of loss : {$26000.00} I contacted a Law firm in the XXXX ( XXXX ) that specializes is this type of recovery and they said this was recoverable. 

I would like to have this crypto returned to me ASAP as this is my funds and not to be held onto by Gemini because they would like to keep it for themselves and have it locked up on their blockchain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
It has been a battle going through this and I am writing to delete this fraudulent information from my file. The item I need to be deleted is listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged BMW FINANCIAL SERVICES showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible. 

BMW FINANCIAL SERVICES XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I bought some furniture from XXXX for my son in early XXXX. When doing the credit application, I put my CORRECT HOME ADDRESS ( XXXX XXXX XXXX, XXXX, MD XXXX ), BUT XXXX XXXX AND XXXX STUPIDLY USED THE DELIVERY ADDRESS AS MY HOME ADDRESS AND HAD THE AUDACITY AND UNMITIGATED GALL TO UPDATE THAT ADDRESS TO ALL XXXX CREDIT BUREAUS. I DONOT AND WILL NOT EVER LIVE IN XXXX. I SIMPLY BOUGHT A GIFT FOR MY CHILD. I GUESS IF I SEND A GIFT TO XXXX AT THE XXXX HOUSE, THEY SHOULD UPDATE MY ADDRESS TO XXXX XXXX, XXXX XXXX!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I bought some furniture from XXXX for my son in early XXXX. When doing the credit application, I put my CORRECT HOME ADDRESS ( XXXX XXXX XXXX, XXXX, MD XXXX ), BUT XXXX XXXX AND XXXX STUPIDLY USED THE DELIVERY ADDRESS AS MY HOME ADDRESS AND HAD THE AUDACITY AND UNMITIGATED GALL TO UPDATE THAT ADDRESS TO ALL XXXX CREDIT BUREAUS. I DONOT AND WILL NOT EVER LIVE IN XXXX. I SIMPLY BOUGHT A GIFT FOR MY CHILD. I GUESS IF I SEND A GIFT TO XXXX AT THE XXXX HOUSE, THEY SHOULD UPDATE MY ADDRESS TO 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 explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
I bought some furniture from XXXX for my son in early XXXX. When doing the credit application, I put my CORRECT HOME ADDRESS ( XXXX XXXX XXXX, XXXX, MD XXXX ), BUT XXXX XXXX AND FORTIVA STUPIDLY USED THE DELIVERY ADDRESS AS MY HOME ADDRESS AND HAD THE AUDACITY AND UNMITIGATED GALL TO UPDATE THAT ADDRESS TO ALL XXXX CREDIT BUREAUS. I DONOT AND WILL NOT EVER LIVE IN XXXX. I SIMPLY BOUGHT A GIFT FOR MY CHILD. I GUESS IF I SEND A GIFT TO XXXX AT THE XXXX HOUSE, THEY SHOULD UPDATE MY ADDRESS TO XXXX XXXX, XXXX XXXX!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation