vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THESE ACCOUNT TO MY CONSUMER REPORT. I HAVE WRITTEN THESE AGENCIES 3 TIMES AND THEY HAVEN'T FIXED MY REPORT. 

XXXX, TRANSUNION, XXXX ARE BREAKING THE LAW UNDER 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

IM A PROTECTED CONSUMER AND KNOW MY RIGHTS

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 2021-03-22 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: NY

Complaint narrative:
I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THESE ACCOUNT TO MY CONSUMER REPORT. I HAVE WRITTEN THESE AGENCIES 3 TIMES AND THEY HAVEN'T FIXED MY REPORT. 

XXXX XXXX, EQUIFAX ARE BREAKING THE LAW UNDER 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

IM A PROTECTED CONSUMER AND KNOW MY RIGHTS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I froze my account on XX/XX/XXXX, from Gemini Trust Company because someone was calling me at 2 in the morning pretending to be a customer account specialist at Gemini. I froze it thinking that I could unfreeze it the next day. I found out that Gemini is the only one who can unfreeze my account. I started calling and sending email almost everyday. Since XX/XX/XXXX up to today, XX/XX/XXXX, I only got one reply. The company does not have a live help support. I lost a lot of chances to collect gains. I can not make a trade. My account is still frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: NV

Complaint narrative:
After being approved for. CapitalOne XXXX XXXX XXXX, I was assured back on the application method I would be able to obtain a virtual/digital card for immediate use. I would not have gone to the store if I was unaware that the virtual card would fail to work as promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I contacted bank of america to dispute a {$2200.00} transaction on XXXX XXXX, 2020. I reiterated that I was not aware the party I was transferring money to was a scammer, and thus asked BOA to get my money back. It took BOA months to " finished '' a sloppy investigation during which BOA never once reached out to me asking for additional information or proofs.

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 2021-03-22 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This account was paid in full, and it is still showing a balance. I need this updated ASAP and an updated credit report should be sent to me reflecting this. I have included the confirmation number. 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 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, This complaint is regarding XXXX XXXX XXXX and their Class Action Settlement for Predatory Lending with Multiple States last year in XXXX. Within this settlement, it states that XXXX agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

This auto loan has caused significant damage to my life, living situation and being able to take care of my children. Although I've received communication from XXXX that I am included in the settlement, XXXX continues to report harmful inaccuracies to my Equifax and XXXX  credit reports. XXXX still calls to collect on the debt that they report as charged off and late every month. 

XXXX took advantage of my desperation and ignored the debt to income ratio locking me in an upside down loan from the start. I'm suspicious that the dealer may have potentially manipulated my application unknown to me. Putting me in this horrible situation. Now this has been 4 years of not being able to get credit, a home or progress so my children can have a better life. I am in college and working towards a better life and this is severly affecting my small family. 

Equifax and XXXX are both reporting completey different things for the XXXX XXXX account. It's harmful and defamatory to my credit profile. I have reached out to XXXX several times with no resolution from them. They report different names for original creditor, dates and most of the information. They report that the account is charged off and report late payments every month. Life is HARD when you can't get basic credit. 

The only fair resolution is for XXXX do what they agreed which is to relive the loan and the XXXX XXXX account be deleted from all the credit agencies and bureaus. I also ask that all collection efforts cease and this account not be sold or transferred to any other collection agencies or debt buyers. 

Thank you in advance for your timely assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, This complaint is regarding XXXX XXXX XXXX and their Class Action Settlement for Predatory Lending with Multiple States last year in XXXX. Within this settlement, it states that XXXX agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

This auto loan has caused significant damage to my life, living situation and being able to take care of my children. Although I've received communication from XXXX that I am included in the settlement, XXXX continues to report harmful inaccuracies to my XXXX and Experian credit reports. XXXX still calls to collect on the debt that they report as charged off and late every month. 

XXXX took advantage of my desperation and ignored the debt to income ratio locking me in an upside down loan from the start. I'm suspicious that the dealer may have potentially manipulated my application unknown to me. Putting me in this horrible situation. Now this has been 4 years of not being able to get credit, a home or progress so my children can have a better life. I am in college and working towards a better life and this is severly affecting my small family. 

XXXX and Experian are both reporting completey different things for the XXXX XXXX account. It's harmful and defamatory to my credit profile. I have reached out to XXXX several times with no resolution from them. They report different names for original creditor, dates and most of the information. They report that the account is charged off and report late payments every month. Life is HARD when you can't get basic credit. 

The only fair resolution is for XXXX do what they agreed which is to relive the loan and the XXXX XXXX account be deleted from all the credit agencies and bureaus. I also ask that all collection efforts cease and this account not be sold or transferred to any other collection agencies or debt buyers. 

Thank you in advance for your timely assistance in this matter.

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 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This account was paid in full, and it is still showing a balance. I need this updated ASAP and an updated credit report should be sent to me reflecting this. I have included the confirmation number. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I'm writing to report a fraudulent transaction that happen to my Passbook ( by remitly ) an online banking service from USA, I have given all my effort to report this to them this but it seems no one is really given their equal effort to help, I'm putting here the transaction details for you to review. 

Firstly after it was happened I already informed them, but all they can do is to pretend helping but showing any evidence that they really communicate to the company that charge me. 

Security and trust is the one they promise, now that it happens to me and there is seems no help coming my way. 

a total of XXXX was charge on my account by this company in the XXXX, and XXXX ( remitly ) was in no way really wanted to help but instead pass it on to their virtual agent to response to me with repeated and automated reply. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian incorrect birth date. Information about an auto loan or lease in XXXX not mine.Auto loan or lease in XXXX not mine. Name XXXX not my name. XXXX XXXXXXXX XXXX or clarity services part of Experian reported. I have to many check advance internet loans in the past 12 months. Not true. I have only taken out one loan in my life XXXX XXXXfrom XXXX. Address on XX/XX/XXXX for XXXX XXXX never mine I disputed it was not remove. I also have seen information about a mortgage in my name not true. I have never had a mortgage. I have never had a credit card.

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 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Both the mobile application and atm mini statement show my Wells Fargo account processing a debit transaction of {$100.00} on XX/XX/21 and an associated {$35.00} NSF fee for the transaction that was debited from the account on XX/XX/21. The debit transaction in question is reported by Wells to be a transfer to my XXXX account yet my XXXX account has no corresponding credit and moreover I do not recognize the transaction.

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 2021-03-22 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: U.S. BANCORP
State: GA

Complaint narrative:
This Elan Financial Services CREDIT CARD, TradeLine limit {$1500.00}. XXXX collaboration with this TradeLine is still showing Open with a balance showing {$8.00}, this Closed account is still showing Open by XXXX, Elan Financial Credit Services has confirmed that they dont want to play, they understand my Authority. See I sent them a copy of my ClassAction participation against U. S. Bank v Accountholders. Those boys that Law firm out of Texas are getting ready you take that money from U S Bank, I love it! XXXX take your XXXX XXXX XXXX off that little TradeLine, youre Not Stopping me, Ive got a Plan in place and you, XXXX makes me a Millionaire! Oops side Note I see you XXXX, you got themthere addresses correct didnt you, As for Real Estate section of my Credit Report, XXXX, I make them sing, Ive got the ball in my court, every month that you XXXX Not put that XXXX TradeLine back on my Credit Report, I will continue to make copies of these XXXX XXXX XXXX acts, and guess who will be the Star Witnesses, the Consumer Financial Protection Bureau and the Federal Trade Commissions lawyers, theres Nobody Stopping me, stay tune, Im Good at What I DO!

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 2021-03-22 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: NY

Complaint narrative:
I was reaching out again that this is my FOURTH WRITTEN REQUEST, despite my three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal 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 2021-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have repeatedly contacted TransUnion to have Bankruptcy XXXX removed from my credit report. I have sent letters to TransUnion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. TransUnion has failed to provide me with any verifying documents and has refused to remove the Bankruptcy XXXX from my credit report. 

In my most recent letter on XX/XX/XXXX, I requested that TransUnion provide me information that details how they have verified the Bankruptcy XXXX on my credit report. TransUnion sent me a letter stating that the information they use to verify public records can be found at XXXX XXXX XXXX. When I go to this website ( I have provided a screenshot of the website ) it states that they use information from XXXX to verify Bankruptcies. I have attached a letter from XXXX stating that they have removed Bankruptcy XXXX from my XXXX report on XX/XX/XXXX. 

TransUnion must delete Bankruptcy XXXX from my credit report. XXXX could not verify the Bankruptcy and TransUnion uses XXXX to verify Bankruptcies. XXXX also stated that they sent TransUnion a letter to have the Bankruptcy removed from my TransUnion 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 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: AZ

Complaint narrative:
Reference : COMPLAINT ID XXXX I've reviewed the updated background report from First Advantage Background Services Corporation. 

They've reported to me that they've removed all outdated information that exceeded 7 years old. They send me an updated copy of my report, and I found that there was still outdated information still being reported. 

I've attempted contact with First Advantage Background Services Corporation, with negative results. They havent responded in weeks. Therefore I'm following on to the next step wotj CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX I have a credit card with Capital one. My last payment of credit card was in XX/XX/. I received a judgement for {$1500.00} dollars on XXXX XXXX thorough XXXX County Texas. I had not received any letters or calls prior too this judgement. Not even one voicemail or email. Including letters. I am unemployed. Over a XX/XX/XXXX dollar with no attempt of trying to even reach out is discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: LEXISNEXIS
State: TX

Complaint narrative:
I have contacted LexisNexis numerous times to have two Bankruptcies XXXX and XXXX deleted from my LexisNexis report. I have sent LexisNexis letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I sent the letter on XX/XX/XXXX LexisNexis never responded. Because they took more than 30 days to respond these Bankruptcies must be removed from my LexisNexis report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have a problem with my paypal account after i recieved money to take care of my brother who's not well.y first time of using paypal i was unable to use the money, paypal shouldn't be treating the users like this! My paypal name email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received calls asking for {$44.00} to XXXX and I told the person I didn't know what they were talking about and they had me do a complaint over the phone with them saying that I didn't know anything about the money. The were very admit that I did owe this {$44.00} because something that XXXX had done. I asked to speak with the manager and I thought that everthing had been taken care off ; then I received this letter from a Jefferson Capital. I called the number to ask what this was about and say that I didn't borrow {$44.00} the man starting asking odd questions so I asked to speak with a manager. He would not transfer to a manager said if I didn't tell him what he wanted then He would not help me. I tried for a second time and then told him that I would falllow up with an attorney. as I looked over the documents I noticed on the back of the frount page there was writing and it communicated information about The Federal Trade Commission and I tried to produce a complaint when was transfered to CDPB. 

Can you please help in this matter. thier contact informaion is Jefferson Capital Physical Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( This is what it says ) Debt Description : XXXX ACCOUNT Account # XXXX Current Creditor : Jefferson Capital Systems LLC JCS Reference # : XXXX Amount of the Debt : {$44.00} Unless you contact us in 30 days we will assume the debt id valid. 
The date of this letter was dated XX/XX/XXXX and I just recived it not toolong ago and this is XX/XX/XXXX. This this just is so odd they say that if I contact them within 30 days after the letter then they will give me a copy of the judgment against me. very odd. 

the whole thing is that I really have no Idea of what they are refering to in the first place and I believe they are doing this to a lot of people to get money. I beive this is fraud a scam to scare people so they will say that it such a small amount let me just pay it. No Way I will not be that somebody who will be taken advantage and it is my American right to stand up help the others who may be the victim of a crime such as this. 

Thank you for your assistance in this matter. 


XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief