vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 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: MD

Complaint narrative:
XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, SC XXXX n accordance with the Fair Credit Reporting act 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 2022-06-03 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: Consolidated Information Services Solutions, LLC
State: NJ

Complaint narrative:
I do not recognnize the following inquiry UNIVERSAL CREDIT SERVICE ( Miscellaneous ) XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, I have a few accounts that have violated my rights. 

XXXX XXXX XX/XX/XXXX & XX/XX/XXXX LATE PAYMENT XXXX XXXX XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX ACCT XXXX XXXX & XXXX LATE PAYMENT XXXX XXXX XXXX XX/XX/XXXX LATE PAYMENT XXXX XXXX XX/XX/XXXX XXXX & XX/XX/XXXX LATE PAYMENT 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 an account without my written instructions 15 U.S.C 1692 Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-06-03 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I recently obtained a copy of my credit report and noticed that there is information reported inaccurately. I disputed these items : XXXX XXXX  XXXX, XXXX XXXX XXXX, Navy Federal XXXX Union XXXX. On XX/XX/2022 I mailed out dispute letters to XXXX, XXXX and XXXX stating all 3 of those items were incorrect and if not verified item needs to be deleted and removed. It has been XXXX days and I have not yet received any feed back from all the companies. I need all items to now be deleted and removed. I have been denied credit cards ( to help build my credit score ) a loan program for a home for my children and me. This inaccurate credit report has impacted my life negatively. This must be deleted and removed. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: LA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account 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 2022-06-03 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: TX

Complaint narrative:
In accordance with the fair credit reporting act, Experian, XXXX, and XXXX has violated my federal consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

According to the 15 USC 1681 section 602 A States I have a right to privacy. These addresses do not belong to me : XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX XXXX. XXXX, La XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX XXXX  XXXX, La XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas 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 non-monetary relief
Consumer complaint received 2022-06-03 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: MO

Complaint narrative:
There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Experian and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Experian sent a letter stating this block was an error. It was not. Experian has violated my consumer rights. According to 15 U.S. Code 1681i Experian is supposed to delete the disputed items during a full and complete investigation. Experian violated this federal law. Experian is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Experian to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Experian for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.

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 2022-06-03 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: MD

Complaint narrative:
XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, SC XXXX n accordance with the Fair Credit Reporting act 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 2022-06-03 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: MD

Complaint narrative:
XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, SC XXXX n accordance with the Fair Credit Reporting act 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 2022-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
I have called this co. 3 times about this and they insist on me giving my personal info such as social number and date of birth and I refused. I gave them the reference no., they told I had to give them my DOB ans last four of my social which I refused and they hangup the phone. a XXXX XXXX told me if I did not give the info they requested they would not have to talk to and he hungup on me. 
I TRIED TO TELL THEM EACH TIME I DO NOT OWE THIS DEBT THEY HUNG ON ON ME. I FEEL LIKE THIS WAS VERY RUDE AND DISRESPECTABLE TO ME AS I WAS NOT GIVEN THE OPPORTUNITY TO EXPLAIN. 
THEY WERE RUDE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am an authorized user on a Macy 's American Express card. The card only shows on my XXXX XXXX report. It does not show on my XXXX and XXXX reports. XXXX XXXX was contacted XX/XX/XXXX and they stated that they have been reporting the cards to all three credit bureaus as of XX/XX/XXXX and every month thereafter. After contacting XXXX and XXXX, they are stating that they have never received the information from XXXX XXXX. XXXX XXXX responded to my complaint today, XX/XX/XXXX, stating that I would need to contact Macy 's directly for the Macy 's American Express card that is not showing. This has already been done XX/XX/XXXX by the card holder.

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 2022-06-03 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, 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 with 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 explanation
Consumer complaint received 2022-06-03 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This item, Synchrony Bank/ Ashley XXXX  , is inaccurate because I never received any items to make payments towards prior to closing the account myself. I have SYNCB/Ashley XXXXe representatives on multiple audio recordings stating there are no payments made to the account until the items are delivered. I never received any items that were financed but began getting charged. I spoke to a manager, XXXX, on XX/XX/22 with recorded audio and canceled the delivery as well as closed the account. On XX/XX/22 at XXXX, I spoke to an Ashley Furniture Guest Response Team representative on a recorded line that identified themselves as XXXX XXXX XXXX XXXX After explaining the situation, I was informed that one item was being shown as delivered. I asked for proof of delivery to include the address it was delivered to because I did not have any furniture from them, and I was informed that a representative from their back office would be contacting me. No one has ever contacted me regarding the account or provided any proof of delivery as requested. To this day, they continue to falsely report late payments, a high balance, and they closed the account which has continuously impacted my credit report in a negative manner. The unlawful actions and negligence of SYNCB/Ashley XXXX  led to me losing a house I was under contract for because my score dropped significantly when pulled right before closing.

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 2022-06-03 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  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 2022-06-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX the below Accounts 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 The Contacted Creditor/Agency asked for proof of the alleged debt, specifically the alleged original application bearing my signature ; they have not been able to provide such proof to me.

under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Mistaken identity/ does not belong to me.

Validate this false charge off it does not belong to me.

Verify This invalidated account.

inaccurate/invalidated account Prove it.

this account is false and not mine Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-06-03 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:
In accordance with the Fair Credit Reporting act XXXX the below Accounts 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 The Contacted Creditor/Agency asked for proof of the alleged debt, specifically the alleged original application bearing my signature ; they have not been able to provide such proof to me. 

under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Mistaken identity/ does not belong to me. 

Validate this false charge off it does not belong to me. 
Verify This invalidated account. 

inaccurate/invalidated account Prove it. 

this account is false and not mine Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 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 2022-06-03 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:
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 : I also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: GA

Complaint narrative:
Dear Mrs., Mr. : I am unable to withdraw funds from my Gemini account. I have created an account online on XX/XX/XXXX on the Gemini Trust Company , LLC. The website address is https : //www.gemini.com/. Gemini is a Cryptocurrencies trading platform. The total amount of US Dollars/cashXXXX I have on the Gemini platform is {$1600.00}. I have reached out to Gemini customer support at XXXX on the following dates/times : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX I have reached out to the Gemini Trust Company 's support team using the following email addresses : XXXX and XXXX. The support team members I corresponded with were XXXX, XXXX, XXXX, XXXX, and XXXX. I have provided Gemini with a copy of my bankstatements to verify my account in multiple instances. Gemini claims that I can only withdraw funds via wire, which is extremely costly to me at the moment. 

Gemini has declined to withdraw funds using the debit card account that I have provided on the Gemini platform, which was successfully verified by Gemini They have refused to allow any other forms of identification verify to assert my ownership of the account. Please note that I now have limited use of my email account XXXX and I am locked out of my Gemini account. 

ALL THE COMMUNICATIONS I HAD WITH GEMINI HAPPENED BEFORE I WAS LOCKED OUT OF MY GEMINI ACCOUNT FOR REQUESTING MY MONEY AND LOST FULL USE OF MY XXXX ACCOUNT DUE TO A SEPERATE MATTER I REPORTED WITH THE SEC CONCERNING XXXX XXXX VIOLATIONS OF SEC REGULATIONS AND PCAOB STANDARDS. I AM UNABLE TO ACCESS MY ACCOUNT AT GEMINI AND GEMINI REFUSES TO PROVIDE ANY OTHER WAY TO IDENTIFY ME AND DISBURSE MY FUNDS IN THE AMOUNT OF {$1600.00}. 



Gemini has refused to provide an alternative solution to withdraw my money from their platform. I have filed a lawsuit in the states of Georgia and New York as well as with the Security Exchange Commission ( SEC ). Gemini 's website ( XXXX XXXX XXXX XXXX XXXX ) claims that the money I have in US Dollars is insured by the FDIC as long as the US Dollars are inside the United States. Below is an excerpt of their website. " U.S. dollar deposits in your XXXX Account held in one or more XXXX  Accounts at one or more Banks located in the United States are held with the intention that they be eligible for Federal Deposit Insurance Corporation ( FDIC ) pass-through deposit insurance, subject to the Standard Maximum Deposit Insurance Amount per FDIC regulations ( currently {$250000.00} per eligible Gemini Customer ) and other applicable limitations. Our policy is to comply, in good faith, with the regulations and other requirements of the FDIC for pass-through deposit insurance, including those contained in 12 C.F.R. 330. '' Sincerely, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Lean XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation