vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts # 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 explanation
Consumer complaint received 2022-06-01 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Number ; XXXX XXXX {$0.00} XXXX - - XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX - XXXX XXXX XXXX - - - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} - - - 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 an 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 2022-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I had an account at Gemini Trust ( the company that the Winklevoss brothers founded ) since XXXX. On XXXX XXXX, XXXX, an employee ( s ) stole the funds in my account. No one at the company has responded to my lawyer or myself. New York has an agency specifically for crypto companies, but as I am not a resident of New York, they can not help me. 

Could you please contact someone at Gemini Trust ( " trust '' being an ironic seeming name ) and get them to return my funds to the same account from which the funds were originally added to Gemini, at XXXX? 

Also, of course, please pursue criminal charges against the perps, which would hopefully ban them from working in the financial industry for life. 

Company : Gemini Trust Company , LLC XXXX : XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX, New York, XXXX, US Website XXXX XXXX  External Website. Opens New Window Company Phone : ( XXXX ) XXXX Thank you-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX I mailed off letters disputing negative information found on my credit reports. It's been more than 30 days and I still haven't received any information in regard to the the account 's disputed. I am aware that credit reporting agencies have 30 days to respond to disputes but TransUnion has not followed up with me in a timely manner. Therefore I'm submitting this complaint in hopes to having my issue be addressed and corrected.

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 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have been going back and forward with Transunion about inquires that clearly are not mine, I have been a victim of Identity theft. I sent in dispute after dispute to have these accounts removed. somehow, they keep coming back as mine. When I ask Transunion to send me documentation with proof of how these inquiries are being verified they never do. This has been a burden on me and my family. Listed below are the fraudulent inquiries. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 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 2022-06-01 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: NJ

Complaint narrative:
According to Fair Credit Act 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them.

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 2022-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
loanPal now name GoodLeap, we had a agreement of solar panels, I've been trying to contract with them, they sold me a solar panel and they haven't finished the agreement and they charging me over {$51000.00}. they good leap are telling me to pay the amount I own but they haven't finish installing the solar panels I keep receiving everyday phone calls and letters from the collection agency asking me to pay, i did sign a contract with them and they went in bankruptcy and they didn't finish the installation of the solar panels and broke the agreement, I've been waiting since XX/XX/XXXX for them to install the solar panels but haven't received no notice of installation I call and call the company they ignore me, I called on XX/XX/XXXX, they told me that they will install correctly the panels its been over more then 8 months since I sign the contract and they haven't finished the installation and they want me to pay for a service that was not done correctly and they want me to pay for the solar panels that I've haven't use because the installer never finish his job .iam not in tittle of the account iam no longer liable for this good leap loan account, because they broke the contract and never finish installing the solar panels

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Originally saw this account under the name XXXX  reached out to inform the company that the account wasnt mines and was made from someone using my identity, but it stayed on my report. Now the account has been charged off and is on my credit even though i never made any purchases

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: MN

Complaint narrative:
To Whom It May Concern, On XX/XX/21, I received a letter ( attached ) from XXXX, XXXX XXXX XXXX. which stated that they had retained the debt from Westlake Financial in the amount of {$1400.00}. The letter was a receipt sent stating that they accepted a settlement amount of {$1000.00} to satisfy the obligation of the full debt.

I have also attached a copy of my most recent credit report for Westlake Financial which states that the balance is {$1400.00} and continues to be in a derogatory status.

It is my understanding that when Westlake Financial transferred my debt to XXXX XXXX, that they were required under the law to update their tradeline as {$0.00}. It has more than 6 months since this debt was settled, but the information has not been updated. This is causing my credit scores harm, as well as my Debt to Income as I am trying to purchase a home. ( My lender has advised me that a percentage of the chargeoff balance is added to my XXXX, which lowers my buying power. )

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 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have been going back and forward with Experian about accounts that clearly are not mine, I have been a victim of Identity theft. I sent in dispute after dispute to have these accounts removed. somehow, they keep coming back as mine. When I ask experian to send me documentation with proof of how these accounts are being verified they never do. This has been a burden on me and my family. Listed below are the fraudulent accounts and personal information Experian is posting : XXXX ( XXXX ) XXXX XXXX XXXX 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

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 2022-06-01 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: CO

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

15 U.S. 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 2022-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: WA

Complaint narrative:
On Tuesday, XX/XX/XXXX I received an unsolicited card from cash app. I immediately contacted cash app through their customer support. This was difficult in the case of fraud as they try to force you to using the cash app or web login which you won't have in the case of fraud. I was able to finally get a hold of a phone number, but they made the process difficult and they provide no special fraud reporting system as legitimate financial institutions do. Note that the fraudulent account was opened even though I have a fraud alert on my credit reports asking to contact my phone number to verify before opening accounts in my name, they did not contact me before opening the account. 

I was able to open a case and submitted all the information asked. I received an email on XX/XX/XXXX stating they understood the importance of trying to verify my identity. I was not trying to verify identity I was trying to close a fraudulently opened account. On XX/XX/XXXX I received a request to login to my cash app account to verify my identity. Since I did not open a cash app account myself I had no way to do that. Support completely ignore my original statement that I did not have an account nor had I opened one. I responded with that information again on XX/XX/XXXX. 

As of XX/XX/XXXX I had not received a response so I contacted support again via phone. That process took calling another number since the original support number disconnected due to call overload. The basic response was the case was active and I should get response in the next few days. 

This is far too long to resolve fraudulent account opening and credit checks should be performed if only for the purpose to check for fraud alerts. I'm still awaiting resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: TX

Complaint narrative:
This debt was written off, therefore the merchant received a credit for it and it makes me no longer responsible for it. It was sold to Jefferson Capital system which is illegal and XXXX will not remove it from my report. The amount is {$460.00} I would like a copy of the original contract with my signature. Full payment history from original creditor. Full name and address of address of original creditor.. I need proof that this has been assigned to them and that they own the debt. A collection is also not to be reported with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: FL

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Choice Recovery, Inc.
State: NE

Complaint narrative:
I received a letter dated XX/XX/2022 from Professional Choice Recovery, INC ( PCRI ) seeking to collect an alleged debt on behalf of a local university. I sent a letter dated XX/XX/2022 via certified mail received XX/XX/2022 to dispute the debt, request debt validation, and to stop all other communications with me and this address. To date, they have not sent debt validation in accordance with the FDCPA. I received another letter from PCRI dated XX/XX/2022 seeking to collect the same debt on behalf of the same creditor under the same account number. PCRI has violated my rights under the FDCPA to have the debt validated before continuing its collection efforts. I have included all copies of correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I have been contacted consistently from I.C. System, INC about a debt i don't even remember. This debt does not seem familiar and i explained to them that i am going through alot right now and these daily calls to me are inappropriate. It feels like harrassment. I have blocked the number called from company on XX/XX/22 and a call came in from another number from same company. With all the scamming going on these calls are not necessary. They have made threats to damage my credit at which on XX/XX/22 my credit score dropped XXXX points due to this company.

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 2022-06-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I mailed off letters disputing negative information found on my credit reports. It's been more than 30 days and I still haven't received any information in regard to the the account 's disputed. I am aware that credit reporting agencies have 30 days to respond to disputes but Equifax has not followed up with me in a timely manner. Therefore I'm submitting this complaint in hopes to having my issue be addressed and corrected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made a payment to XXXX XXXX credit card on XX/XX/2022 from my Wells Fargo checking account. A few minutes later I called them back to cancel the payment, but the customer service told me that it was not possible and that I had to place a stop payment to the payment through my Wells Fargo checking account. On XX/XX/2022 my Wells Fargo account was overdrawn by {$4900.00} in the mean time I did not have any type of overdraft protection option to on my account to cover it.. Since I did not want the payment to go through I did not deposit the money needed to cover the payment. I waited for XXXX XXXX  of the morning of XX/XX/2022 and called Wells Fargo to put a stop payment to the payment of {$19000.00}. Wells Fargo customer service informed me that a stop payment is not effective when the payment is still pending, but since the payment had already dropped out of my account and the balance restored to positive, the agent was able to place the stop payment for future re-attempts. Since I had other payments and expenses the days following the charge I deposited money on XX/XX/2022 XXXX : XXXX XXXX  when my account was not overdrawn and that transaction was not in my account.. The same day in the evening I logged into my account and saw that they had paid the {$19000.00} for the charge that was presented a day before. I called Wells Fargo and told them that they had made a mistake by having paid a charge that was presented a day before. They apologized and assured me that it was mistake and that they needed to file a claim right away. A few days later I called to find out the status of the claim and they told me that the charge was authorized and they could not do anything even though I never disputed the charge as unauthorized but as a mistake of the bank, I even refused to agree to the disclosure they had read to as it did not apply to me as unauthorized charge dispute. On top of all that I was charged a {$35.00} fee for overdraft transaction fee which my account doesnt qualify for as it doesn't have overdraft protection option.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my 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 and purpose.

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