vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 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: WV

Complaint narrative:
On XX/XX/2022, TransUnion sent me information regarding the investigation results pertaining to a recent dispute with the US Department of Education, as verified and accurate, and I the consumer in fact disagree with the results. 

Under the Fair Credit Reporting Act there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy and adopt reasonable procedures for meeting the needs for 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, relevance, and proper utilization of such information. 

15 USC 1681 ( e ) under FCRA INVESTIGATIVE CONSUMER REPORT If the information TransUnion investigated is accurate, I the consumer in fact demand that TransUnion provide me with the name of the person that was interviewed and all information shall not include Factual Information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The investigation therefore is incomplete and displays unverifiable information that is inaccurate, unfair, and a violation of my consumer rights and privacy, which is a result of fraud and identity theft.

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 2022-03-18 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: Dream Center Education Holdings
State: WV

Complaint narrative:
On XX/XX/2022, XXXX sent me information regarding the investigation results pertaining to a recent dispute with the US Department of Education, as verified and accurate, and I the consumer in fact disagree with the results. 

Under the Fair Credit Reporting Act there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy and adopt reasonable procedures for meeting the needs for 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, relevance, and proper utilization of such information. 

15 USC 1681 ( e ) under FCRA INVESTIGATIVE CONSUMER REPORT If the information XXXX investigated is accurate, I the consumer in fact demand that XXXX provide me with the name of the person that was interviewed and all information shall not include Factual Information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The investigation therefore is incomplete and displays unverifiable information that is inaccurate, unfair, and a violation of my consumer rights and privacy, which is a result of fraud and identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: AES/PHEAA
State: WV

Complaint narrative:
On XX/XX/2022, XXXX sent me information regarding the investigation results pertaining to a recent dispute with the US Department of Education, as verified and accurate, and I the consumer in fact disagree with the results. 

Under the Fair Credit Reporting Act there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy and adopt reasonable procedures for meeting the needs for 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, relevance, and proper utilization of such information. 

15 USC 1681 ( e ) under FCRA INVESTIGATIVE CONSUMER REPORT If the information XXXX investigated is accurate, I the consumer in fact demand that XXXX provide me with the name of the person that was interviewed and all information shall not include Factual Information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The investigation therefore is incomplete and displays unverifiable information that is inaccurate, unfair, and a violation of my consumer rights and privacy, which is a result of fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: NY

Complaint narrative:
A collection account with the amount of {$1900.00} is being reported on my credit file. This erroneous account was deleted before for being inaccurate and now has reappeared on my credit file again.

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 2022-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: IL

Complaint narrative:
My husband received a phone call on XX/XX/XXXX asking if he could be available to receive financial legal documents for a civil case for me. He denied. The XXXX XXXX XXXX XXXX XXXX and XXXX attempted to contact him again on XX/XX/XXXX at work. 

I was first contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and asked if I was ( my maiden name ). I didn't admit, but asked what it was in regards to. She informed me they needed to deliver documents for a civil case, but that was all she could share unless I admitted to being the person they were trying to contact. I explained that I didn't know if she was who she claimed to be, and she hung up. 

On XX/XX/XXXX, I received another call at work. Truly concerned I answered, but again, denied my identity, because I was at work and couldn't go into that conversation near my co-workers and supervisors. I called back 30 mins later to discuss what they were alleging. I was advised that they were persuing a civil suit for {XXXX} for an account with US Bank dating back to XXXX. I denied remembering the account, and told her that it should be past the statute of limitations anyway. She denied there being a statute of limitation on this account, although in IL it's 10 years on a written contract. She claimed to have the paperwork and forms of ID on file from when the account was opened. I was threatened with a lien being placed on my vehicle and being served lawsuit paperwork. She stated that 2 letters were sent prior to the phone calls, explaining my options to clear the debt. ( I do not recall ever having received anything ). 

I told her to send the paperwork ( whatever that may be ). 

She told me " good luck in court ''.

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 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
On XXXX I checked into the XXXX XXXX XXXX in XXXX for a business related trip. Despite there being two cards on file from my company, they asked to charge a hold on my personal card. Later on, my company told me they should absolutely not be doing this. I informed the hotel front desk to remove this charge I was told it should be in 24 hours. It still was not, I was then told after I checked out on XX/XX/XXXX, its going on 4 days after ( XX/XX/XXXX ) I checked out and still no resolution. I contacted on XX/XX/XXXX my credit card company, Apple Card/ Goldman Sachs Bank for assistance XXXX they kept bouncing me back to XXXX XXXX 

I spoke to the general manager at the XXXX XXXX on XX/XX/XXXX who confirmed the hold should be released and provided me with a document for Goldman Sachs bank to confirm this should be removed.

Goldman Sachs bank and their managers did not seem interested in the note from the hotel, nor helping me resolve this issue as of XX/XX/XXXX. My money is at this point being held hostage by two companies and I see no end in sight to get it back. I am asking for the help of the CFBP to fix this issue but also to investigate these suspicious dispute processes and customer service support offered by Goldman Sachs Bank/ Apple Card XXXX Feel free to contact me for more information. 

INVOLVED COMPANIES : XXXX XXXX Goldman Sachs Bank USA/ Apple Card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I disputed the account with XXXX, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX notifying them that the account they were reporting was questionable due to the inaccurate information that was being reported. It later showed on my updated credit report comments that I had not satisfied debt which is not factual. I then attempted to contact the company directly on several occasions ( XX/XX/XXXX, XX/XX/XXXX ) to notify them via certified mail that the account they were reporting on my file was inaccurate and outdated and for them to give me the process by which they verified this debt. I have not received a response from them nor have they removed the account from my credit file which is gravely impacting my credit standing.

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 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I never applied for this account and it has a hard inquiry on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX  XXXX, federal student loan were closed in XX/XX/XXXX under chapter XXXX. Acct should have been fully cleared and removed from credit under the bankruptcy signed by judge. Requesting removal of negative impact and acct from credit. 

Ally auto loan Acct. was held under spouses bankruptcy XX/XX/XXXX under chapter XXXX. Acct should have been fully cleared and removed from credit under the bankruptcy signed by judge. Requesting removal of negative impact and acct from credit.

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 2022-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Both of the addresses and previous occupations listed on my Transunion accounts are incorrect and i want them all removed from my report and any accounts associated with that information

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 2022-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
Curacao issued credit in the amount of just over {$1000.00} to an individual using my social security number. The name and the address did not match mine, and a credit history was never run on my credit. The debt was not payed and I did not learn about the credit issued until a judgement of a charge off was entered on my credit report. When I contacted the company, the fraud analyst, XXXX XXXX, asked me to complete a fraud affidavit, notarized, which I did. She asked me to send a copy of my driver 's license and utility bills, which I told her I would show her in person, but not provide a copy of. She declined citing " covid '' concerns, even though we are in XXXX of 2022 and mask mandates have been lifted in XXXX XXXX, and her store front is open to the public. 
This company is issuing credit without running social security numbers to check for a credit freeze, which my credit has. This is irresponsible. I would like my credit report to be notified that this was an error on their part and is not my responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: MO

Complaint narrative:
There funds wired transfer from my bank to Gemini Trust Company , LLC. total is {XXXX  during XX/XX/XXXX to the end of XX/XX/2021. 

and there are transactions from my Gemini Trust Company , LLC account to third party 5 digital wallets. 

These 5 digital wallets belong to scam cryptocurrency platforms/organizations/organized crimes/criminals. 



The know your customer or know your client guidelines in financial services require that professionals make an effort to verify the identity, suitability, and risks involved with maintaining a business relationship. The procedures fit within the broader scope of a bank 's anti-money laundering policy. 

Gemini trust company LLC are responsible for safe transactions. I, as a consumer, did not receive the service or promise that was promised or described by Gemini trust company , LLC.

I have tried to contract Gemini Trust company LLC to dispute these transactions but was ignored and not offered any assistance and my account is frozen.

However, I have report to the following Law Enforcement agencies : XXXX XXXXXXXX police department, report # XXXX XXXX Federal Commission Report # XXXX And FBI IC3 and will report to New York State department of financial services Again I am requesting to refund my fund, Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bliksum, LLC
State: FL

Complaint narrative:
This company keeps repeatdly trying to contact me and I am not aware of who they are or any financial relationship I have with them. I asked them to stop calling me and cease all reporting activity as I am disputing this debt. I have sent the a certified letter but I have yet to recieve a response, but they continue to report negative false information that is hurting my credit report. Please help me, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: Nelnet, Inc.
State: FL

Complaint narrative:
I have provided Nelnet with several requests to exercise my right under the Gramm-Leach-Bliley Act to no longer share any of my non personal financial information to XXXX XXXX XXXX and has given them clear and conspicuous understanding as to what information I would no longer like to be shared. Nelnet has had not taken my matter seriously as I have disputed these accounts on numerous occasions and Nelnets responds asking for the same information I have already provided them that includes my student loan account information, reasons for dispute. I have mailed in a written requests as well as sent countless emails to their enrollment processing department in which they respond asking for the same information I have already provided. I have all the email transcripts as well as the mailed in documents for proof of my opt out request. I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: PA

Complaint narrative:
I attempted to remove inaccurate addresses from my account however Experian will not allow them to be removed nor will they receive my dispute letter. I demand that these addresses be removed from my credit report immediately.

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 2022-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I was contacted by this company and they allege that I owe them a debt but I am not famailiar with this company or any financial relationship with them. I asked them to stop calling and any credit report activity as I am disputing this debt. i wrote them a letter an sent it certified mail but I have yet to recieve a response. please help me thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capitol one auto Acct., federal student loan were closed in XX/XX/XXXX under XXXX  XXXX. Acct should have been fully cleared and removed from credit under the bankruptcy signed by judge. Requesting removal of negative impact and acct from credit. 

XXXXXXXX XXXX XXXX Acct. was held under spouses bankruptcy XX/XX/XXXX under XXXX  XXXX. Acct should have been fully cleared and removed from credit under the bankruptcy signed by judge. Requesting removal of negative impact and acct from credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I tried to get the free annual credit report from all XXXX  agencies yet was told I could only get XXXX scores, that credit scores were no longer given out unless I purchased : XXXX : Purchase Your One-time Credit Score What You Need to Know : There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender. Purchase a credit score for {$0.00} ( plus tax where applicable ) by clicking above. 

XXXX : I had to request it via contact Equifax : no credit score offered unless I purchased Isnt the law set up so I can obtain my credit scores one time per year for free? 
Please investigate. 

thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AR

Complaint narrative:
was forced to recertify income but just found out I was not required to under the corona virus waiver.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Got a text from a bank company asking g if it was fraud but I don't even have a bank account with the bank

Company response to consumer: Closed with explanation