vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 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: Applied Business Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX {$630.00} ( disputed no action ) Applied Business Service XX/XX/XXXX {$710.00} ( disputed no action } Online information service XX/XX/XXXX ( disputed no action ) In accordance with the credit reporting act, these creditors have violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: MI

Complaint narrative:
I'VE TRIED TO REACH OUT TO EXPERIAN TO RESOLVE THIS ISSUE MULIPLE TIMES FOR THE PAST FEW MONTHS AND THEY DO NOT RESPOND. I HAVE NOT HEARD ANYTHING BACK OR BEEN PROVIDED WITH ANY UPDATES.

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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in 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 2023-03-15 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: FL

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have been disputing an account on my credit profile since XX/XX/XXXX. When asked how are they verifying this item they will not respond at all via mail. This has happened multiple times. There are even times I have disputed this account and never got any feedback or results over the years. I have called and they told me the company name that is verifying the information. The court was the first company. Once I contacted the court they stated that Transunion has not reached out to them for verification and that they do not communicate nor report to the reporting agencies or 3rd parties. They then told me that XXXX is who is verifying the account. I contacted them as well and they did have a bankruptcy on there. After I disputed this it was removed. I then disputed with Transunion again and since then they are refusing to even dispute the account because it has previously been disputed. I sent them documentation from XXXX showing there is no bankruptcy. No matter what documentation I send in they say it is verified still because they are refusing to dispute it. At this point, this account has been removed from both of the other credit reporting agencies XXXX back in XXXX and XXXX this year XXXX. Transunion is refusing to even help. They refuse to look into it any time I call, they refuse to respond once I catch them lying about verification methods and that they already have documentation showing that is inaccurate, and then they hang up on me once I ask for a manager or supervisor.

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 2023-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a {$6000.00} payment to the wrong person on Paypal who had the same name as the person that I was trying to pay. Although she was a friend, I didn't think that anyone would have the same name as her because her last name is uncommon. So I sent the money to a different person by accident. Her name was XXXX XXXX. I sent the money to that person. The person I sent it to has the same exact name. However when I spoke to my friend, she told me that she uses XXXX XXXX . So, same name, but with XXXX added. Paypal refuses to intentionally not help me to get the payment back. Just because I authorized the payment doesn't meant that it went to the right person. It wasn't the right person and mistakes do happen. If Paypal chooses to do business this way when an honest mistake is made, and they don't wan na help, then they shouldn't be in business then. Paypal made the decision that since I authorized the payment that there was nothing they could do. In the past, when you could prove that you made a mistake, they would investigate and reverse the situation for a refund and make sure that it got to the right person. But ever since Paypal was bought out from under XXXX XXXX, Paypal has been a pain to deal with. Not only is Paypal unfair, they have been extremely unethical to deal with. I'm truly disappointed that they are refusing to reverse this and help the {$6000.00} to get to the right person when I had no intention of sending a payment like that to the wrong person. So now I am out of {$12000.00} at the moment because I still had to pay the right XXXX XXXX ( with XXXX ) the money still. I don't have that type of money to give away to anyone. I'm contacting my credit union today. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
fraud done on best buy card, denied statement to dispute charges - 
called many times -

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 2023-03-15 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The above companies are reporting false information about me in a negative way on my credit report. I am trying to buy a house and the information on my report is defamation of my character and my livelihood. I have disputed these actions with no results. According to the fair credit reporting act 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

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 2023-03-15 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: PA

Complaint narrative:
Fraudulent accounts appearing on my credit report. 

XXXX. XXXX XXXX XXXX XXXX {$100.00} XXXX. XXXX XXXX XXXX  {$730.00} XXXX. XXXX XXXX XXXX {$510.00} XXXX. XXXX XXXX XXXX XXXX  {$460.00}

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 2023-03-15 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: TX

Complaint narrative:
XXXX XX/XX/2022 XXXX XX/XX/2022

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 2023-03-15 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: WV

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: SC

Complaint narrative:
Account was opened XXXX XXXX I have no knowledge of this account have filed multiple reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I closed with checking account ending in XXXX with Wells Fargo on XX/XX/2022. 

I have not received a check for the funds remaining in the account. I attempted to contact Wells Fargo twice. My first attempt I was on hold for over 2 hours without being able to reach anyone. My second attempt today connected me to a representative who hung up on me after I told him about my issue.

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 2023-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: NY

Complaint narrative:
On this date XX/XX/2022 AFNI open a collection. 

{$240.00} that I own I have never signed any written documents saying that I own this to the collector. 

They are violating my right of the FCRA as a consumer. 

I do not know who they are and I have not written consent from my end. 

Also, they not verified that I own this debit to this alleged company. 

Please have this removed from my all the three credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: CT

Complaint narrative:
Hello, I opened an account with Gemini Trust Company , LLC ( Gemini Exchange, LLC ). cryptocurrency exchange and custodian on, XX/XX/23. I transferred collectively {$13000.00} to the platform from my XXXX XXXX account and purchased cryptocurrencies ( CC ). Since XX/XX/23 Gemini has blocked withdrawals on my account. After a month of adhering to and fulfilling security protocols for my account, and sluggish and no response from the Gemini support team, the company refuses to allow me access to my CC to transfer any of my CC out of my account. They are effectively holding my CC without my consent and refusing to give it back to me without any justification. This includes refusing to allow me to send my CC to a competitor XXXX, which is a US Publicly traded company for CC exchange. This amounts to theft as I no longer have control of my funds and they have been taken without my permission. 

I can send you all communications that have occurred with their support team. 

This is how they identify themselves in their communications : Gemini Trust Company , LLC ( d/b/a Gemini Exchange, LLC in AZ, CA, DE, FL, HI, ID, IL, KS, KY, MA, MI, MN, NC, ND, NM, OH, OR, SC, SD, UT, and VA ; d/b/a Gemini Exchange in AK and WA )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PASCO, Inc
State: MI

Complaint narrative:
All monies owed to XXXX XXXX XXXX have been paid through allpaid.com per their instruction. 

I continue to be pursued by CELCO for the same figure paid to allpaid.com, despite having explained this and providing dates and amounts of payment. I assert it is the responsibility of CELCO to confirm this debt. As of now, they have only provided an amount owed and name of alleged original debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX {$630.00} ( disputed no action ) XXXX XXXXXXXX XXXX XX/XX/XXXX {$710.00} ( disputed no action } Online information service XX/XX/XXXX ( disputed no action ) In accordance with the credit reporting act, these creditors have violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: Millco Management
State: NC

Complaint narrative:
Amerifinancial Solutions XX/XX/XXXX {$630.00} ( disputed no action ) XXXX XXXX XXXXXXXX XX/XX/XXXX {$710.00} ( disputed no action } XXXX XXXX XXXX XXXXXX/XX/XXXX ( disputed no action ) In accordance with the credit reporting act, these creditors have violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have 4 open disputes on derogatory reports filed by XXXX XXXX XXXX , on my student loans. There is one payment due monthly to XXXX, the loan servicer, but there are apparently 4 separate accounts. 
I submitted a payment on XX/XX/2023 in my time zone ( PST ) prior to XXXX PST, bringing me less than 60 days past due but was incorrectly reported to the credit reports as 60 days past due on my 4 accounts with them. 
I am a California resident, and on my email payment confirmation, included with this correspondence, there is an asterisk that states ( boldened and underline added ) : * For California Residents, payments received on or before XXXX Pacific on your payment due date will be made effective the date on which the payment is received. 
Therefore, the XX/XX/2023, payment made before XXXX Pacific should have been made effective on XX/XX/2023, and the account was not 60 days past due as reported to the credit bureaus. I request all 4 derogatory marks be deleted 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 2023-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
In Accordance with the fair credit reporting act XXXX XXXX Has Violated any rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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