vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
On XX/XX/23 I, XXXX XXXX, held {$4900.00} in my Gemini Trust Company LLC Exchange account. There was a breach of my account that day, and all of my funds were stolen. I submitted a help ticket with Gemini ( Ticket ID : XXXX ) on XX/XX/23 after I noticed the funds were missing. After several weeks, Gemini responded that they do not insure digital assets ( cryptocurrencies ) and I would not be refunded. I responded that I did not have any digital assets stolen and that I was seeking my US Dollars be returned to me. Gemini lists in their terms of service that funds, such as USD, held in a Gemini account are eligible for " pass-through '' insurance, held through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
It has now been over 3 months and I have not received any communications from Gemini regarding this matter since XX/XX/23. I have requested to speak with a supervisor on the matter and I was never provided that option. I have been unable to obtain a phone number for Gemini but the address is as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I logged into my Experian account to check my credit report when I noticed some inquires that I did not authorize and I tried to dispute them online but the only option was to call a toll free number. So I did. The representative that I had XXXX, told me that I can not dispute inquiries. I can only call the merchant and hope that they remove them. This information on my report is not right and the company reporting it is allowing false information to circulate without any help to fix the situation. I asked to speak to a supervisor and XXXX refused me leaving this as my only option to get some help in getting this resolved.

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 2023-05-30 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: SC

Complaint narrative:
CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX  CC : Federal Trade Commission ( FTC ) CC : XXXX, XXXX, Transunion Dear XXXX XXXX XXXX XXXX I am writing to dispute the charge-off that appears on my credit report for account XXXX and XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice XXXX be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, 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 2023-05-30 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:
Experian has once again reinserted accounts that have already been proven invalid and they are continuing to do so every other month. this has to stop!!! They are in constant violations of consumer law FCRA

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 2023-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay

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 2023-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN

Complaint narrative:
This was during the Covid 19 pandemic. House was rented and government help was applied for, for rent and utilities and they were approved and paid by the state of Florida. After I moved out they continued to charge monthly rent for over three months or more, I really dont know. Utilities had all been disconnected and yet again, they still continued to charge rent, and whatever else they charged. I had a {$2000.00} deposit and didnt see one penny of that. Now they are reporting it to my credit file and I want it removed 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 explanation
Consumer complaint received 2023-05-30 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: FL

Complaint narrative:
I have a tagged a collection letter from XXXX and this was Debt bought from XXXX bank. XXXX bank on my Experian report is still reporting a charged off balance which it should be zero since they sold the debt. I have tried to dispute this with Experian with no luck directly.

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 2023-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: Ingo Money, Inc.
State: WI

Complaint narrative:
On XX/XX/2023 I was sent a check in the mail for the amount of {$700.00} dollars i then tried cashing it through my bank I had called INGO Money Inc to see if the check was fully processed through they had mentioned that it was then processed through. 
The check that was sent to me was from my previous finance company. 
I then sent the check through on Ingo money inc and they had processed it through I then did not receive the full {$700.00} dollars there was over {$30.00} removed from the previous amount given. 
I am writing this to inform that I was not expecting for them to deny the check later on and why would they process the check and tell me it went through and deposit my funds I don't think I should be charged for the fact that i called to make sure it had went through and I was told yes then to know later on was denied. 
If there is any way I could dispute this transaction and not be charged for it may I be contacted. I fairly think this debt should not be charged to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
I opened an account with Apple Savings/Goldman Sachs to take advantage of the advertised 4.15 % interest rate. I actually opened it only to move my Apple cash to this savings account. I was told via text messages that the way to verify my bank account was for me to make a deposit from my primary bank account. 

I made a deposit of {$1200.00} on XX/XX/23. A week later i tried to transfer {$100.00} back to my primary checking and kept getting messages that my account was not verified.

I again reached out to Apple Savings support. They told me it was not yet verified. 

I reached out today, XX/XX/23 and was told for the first time that i needed to call their 800 support number : XXXX. I called and was told i needed to have them call my bank to verify the account number. Verifying via a routing and account number was not acceptable. After sitting on hold for 10 minutes the agent came back online and required me to give my account number or social security number to the bank representative that she had called. I did so only to find out she had called the wrong bank in Pennsylvania and not in my state. They did not track the routing number to the correct bank. So i have now given my account number to people that are not even at my bank. The routing number should alert them to the correct bank. 

The agent then put me back on hold and came back minutes later to tell me she had contacted my bank and they refused to verify my account. I was not allowed to speak with them directly. 

I transferred my funds from my bank account on XX/XX/XXXX. They should be able to transfer the funds back to that same account. All i want is my money back and to close the account. I feel like my money is being held hostage. 

I was transferred to a supervisor, XXXX. She went through a speech that she would verify the transfer process but, i have no resolution. In fact, she transferred me to another " specialist '' and i had to start the verification calls to the bank all over again. I've been on hold for 10 minutes with no feedback. I was on this call for 45 minutes only for them to AGAIN call the XXXX of Pennsylvania. When i told her we started there at the beginning of this call she hung up on me. 

I still have no resolution and will have to call them again to get this verified. I just want my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I have not given Chex system permission to furnish information on my consumer 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 2023-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
On or about XX/XX/2019, I purchased a used vehicle that was financed through Credit Acceptance. The vehicle was repossessed by Credit Acceptance during the COVID-19 National Disaster at which time I lost employment because of the World Wide Lockdown that affected my ability to pay anyone. I am a survivor of several positive COVID-19 test results. Credit Acceptance has failed to comply with UCC 9.506 as well as State XXXX and XXXX statutes. Credit Acceptance has filed a Civil lawsuit against me and continues to report inaccurate information to the Consumer Reporting Agencies.

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 2023-05-30 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: TX

Complaint narrative:
Hello, XXXX XXXX XXXX, I can't add anew bank withdrawal balance to my XXXX account. I have called the customer service representative many times, but the problem has not been resolved. Please help me, thank you! 
" I am now linked with a new bank, prompting that mobile phone verification is required, but the verification page does not display my mobile phone number, so I can not complete the mobile phone verification and the new bank can not be linked ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I have paid off a car loan on XX/XX/2020, and there wasnt a notification of additional charges of that account. Currently doing a dispute to my credit record for that amount, the bank states 3 years later that there was an outstanding amount of XXXX, and the account status was changed to charged off. The bank institution does not submit in the last 3 years any invoice or letter requesting payment for any outstanding amount. 

That is a ilegal charge and Im not gon na pay any additional account without any evidence of the institution regarding any attempt to collect that new amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

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 2023-05-30 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: NM

Complaint narrative:
I just received my monthly XXXX report from Transunion. My credit score dropped XXXX points due to paying off my mortgage so I do not have an installment loan. I have had over XXXX as my credit score for years. Nothing has changed. I will not take out a loan just to raise my credit scores. My XXXX is XXXX and my XXXX is XXXX. I tried to call Trans Union and the service rep just sent me back to XXXX XXXXXXXX XXXX, who told me they couldn't do anything. 

As far as I am concerned Making me take out a loan to raise my credit score has something nefarious about it.

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 2023-05-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: IL

Complaint narrative:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. I called CFPB and you called me back apologizing saying you will update it to paid on time for month of XXXX because it was reporting error and that error is showing up on XXXX information. 
The FTC report ID number is 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 explanation
Consumer complaint received 2023-05-30 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: PA

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. 


Account name : 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 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
Consumer complaint received 2023-05-30 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:
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. 


Account name : 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 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 explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MD

Complaint narrative:
Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

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