vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Around XXXX while living in XXXX XXXX, I owed XXXX around {$3500.00} when they changed the small print of debt swaps for {$0.00} interest. While I was still making payments, they sold my debt to unknown persons. 
In XXXX, when I had moved in with my parent in northern XXXX I was approached while mowing the back yard lawn by a woman with a fake police badge and a court document, which I assumed was fake, about collecting a debt. I refused to sign. They sent me something in the mail as well, from Asset Acceptance, alleging that I was wanted in court, which I assumed was also fake. A week or so later, a large middle-aged man came to the door and entered the house, loudly demanding that I file for bankruptcy, which I found absurd for such a small amount. I had to push him out of the house. In retrospect I should have called the police. I remember wanting to do so. I felt that I had been subject to discrimination in that area of XXXX  ( XXXX XXXX ) by employers because I am an XXXX War veteran and so I was somewhat used to negative treatment. 
I never heard from Asset Acceptance again until a year into working for the United States Postal Service in XXXX, XXXX, in XXXX, when they began garnishing my paychecks for over {$9000.00}. This time they were under a different name, Midland Credit. That's because Asset Acceptance was disbarred by the XXXX  XXXX XXXX due to a class action lawsuit. I immediately took them ( online, virtually ) to the same small claims court in XXXX, XXXX, which had apparently aproved the debt collection, arguing that the debt was time barred, but to no avail. The judge felt that I should have contacted them. I did in fact contact Midland Credit in that timeframe and the virtual chat person gave me the run around. 

I just read the CFPB report on your actions against Midland Credit and am wondering why this company is still allowed to do business in this manner. They prey upon the poor, hoping they won't be able to defend themselves. This certainly isn't an American virtue, let alone the propper way to do business in any country.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXXXXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. 

Truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Fraudulent inquiries and inaccurate account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an inaccurate and unknown thing on my credit report. On this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of furthermore, being ignored of my dispute. Section 611 ( a ) states that failure to investigate these items within 30 days gave reason to immediately remove these items from my credit report. it has been over 60 days so they shall be deleted promptly. I demand these inaccurate, unfair and unduly expensive accounts be removed from my credit report immediately or I will file a litigation in result of the stressors and damages this has caused my family. furthermore my information was impacted by the Equifax Data Breach which may have resulted in my information to be in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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 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 Account Name 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 XXXX XXXX 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 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX, I received my tex return into my Venmo account. On XX/XX/XXXX, I tried to transfer {$1500.00} from my Venmo account to my XXXX  account. It never went through. On XX/XX/XXXX, they notified me that my account was frozen due to violation of Venmo, which they never stated what was in violation, & they asked me for a picture of my Id to confirm my identity. I sent them a picture of my Id on XXXX XXXX called Venmo and they told me they can not help me on the phone and the only people who can help me are the account specialists which only communicate via email. Since then, I have exchanged countless emails with them, theyve had 5 different account specialists email me asking for the same Documents which Ive submitted over and over. On XX/XX/XXXX, they emailed me saying they made a final decision that my account is permanently closed & theyre keeping my money, which is over {$5000.00} for loss prevention. I emailed them back asking why and they told me that their decision is final and not to email back because they will no longer respond. On XX/XX/XXXX, I called Venmo again, they told me again they will have someone email me because they can not help me Over the phone, and I asked to speak to someone higher up. They left me on hold for 15 minutes, and the so called supervisor, very nonchalantly repeated over and over that theres no one else I can speak to and he cant help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26 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: FL

Complaint narrative:
Fraudulent inquiries and inaccurate account 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 2022-03-26 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:
Fraudulent inquiries and inaccurate account 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 2022-03-26 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: WI

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an inaccurate and unknown thing on my credit report. On this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of furthermore, being ignored of my dispute. Section 611 ( a ) states that failure to investigate these items within 30 days gave reason to immediately remove these items from my credit report. it has been over 60 days so they shall be deleted promptly. I demand these inaccurate, unfair and unduly expensive accounts be removed from my credit report immediately or I will file a litigation in result of the stressors and damages this has caused my family. furthermore my information was impacted by the XXXX Data Breach which may have resulted in my information to be in the hands of the wrong person.

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 2022-03-26 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: WI

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an inaccurate and unknown thing on my credit report. On this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of furthermore, being ignored of my dispute. Section 611 ( a ) states that failure to investigate these items within 30 days gave reason to immediately remove these items from my credit report. it has been over 60 days so they shall be deleted promptly. I demand these inaccurate, unfair and unduly expensive accounts be removed from my credit report immediately or I will file a litigation in result of the stressors and damages this has caused my family. furthermore my information was impacted by the XXXX Data Breach which may have resulted in my information to be in the hands of the wrong person.

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 2022-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
This debt with portfolio recovery associates is well past the 8 year collection mark. It is no longer in collections or listed in credit reports. I recently paid off another card account, since that time whej they received my cantact info they have started calling day and night multiple times per day from random numbers so they cant be blocked, and mailing letters stating I owe XXXX. I have asked them to stop with no resolve. I am now reviewing legal action and options for myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26 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 Dept of EdXXXX acct XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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 states a consumer 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 2022-03-26 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 Dept of Ed/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 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 states a consumer can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NM

Complaint narrative:
On XXXX XXXX, 2022 my XXXX XXXX account with XXXX XXXX with virtual currency assets held on the Gemini Exchange was hacked and 5 Ethereum with a value of {$15000.00} at the time was illegally transferred from my account through a hack. Gemini had custody of the coins on their exchange platform.

I am another victim of the theft of crypto assets from an XXXX  account maintained on Geminis crypto exchange. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss. 

GEMINI COMMITTED THE FOLLOWING VIOLATIONS IN THE OPERATION OF ITS XXXX CURRENCY BUSINESS ACTIVITY, RESULTING IN THE LOSS OF CLIENT CASH AND XXXX ASSETS MAINTAINED ON GEMINI 'S EXCHANGE AND UNDER ITS PROTECTION : 1. GEMINI ACCEPTED SELF-DIRECTED IRA ACCTS FROM IRA FINANCIAL ( XXXX  ), A 3RD PARTY SERVICE PROVIDER ( SECT. XXXX ). GEMINI FAILED TO PERFORM A RISK ASSESSMENT OF XXXX  'S ONLINE PLATFORM THAT IS DIRECTLY CONNECTED TO GEMINI 'S PLATFORM, NOR DID GEMINI EVALUATE THE ADEQUACY OF XXXX  'S CYBERSECURITY PRACTICES AND PROTECTIONS, IN VIOLATION OF XXXX ( XXXX ) & ( XXXX ). AS A RESULT OF THESE VIOLATIONS, A HACKER ACCESSED HUNDREDS OF SELF-DIRECTED IRA XXXX XXXX ON THE GEMINI EXCHANGE AND STOLE APPROX $ XXXX IN XXXX AND CASH FROM GEMINI 'S IRA CLIENT ACCTS. 
XXXX. GEMINI FAILED TO PROVIDE XXXX WITH A PHONE NUMBER TO CALL TO STOP THE THEFT IMMEDIATELY UPON ITS DISCOVERY, IN VIOLATION OF XXXX XXXX XXXX ( B ) ( XXXX ). IT TOOK XXXX XXXX XXXX HOURS TO FINALLY CONNECT WITH GEMINI PERSONNEL TO STOP THE THEFT. AS A RESULT OF THIS EXTREME DELAY, ALMOST ALL OF THE ASSETS WERE REMOVED. THE THEFT COULD HAVE BEEN AVOIDED HAD XXXX BEEN ABLE TO IMMEDIATELY REPORT THE HACK AND HAVE THE ACCTS FROZEN. 
XXXX. GEMINI RETAINED 100 % CONTROL OVER FREEZING THE SUBJECT IRA ACCTS. XXXX HAD NO MEANS OF DOING SO FROM ITS END AND THEREFORE COULD NOT STOP THE THEFT AS IT WAS OCCURRING. NOR COULD XXXX MAKE CONTACT WITH ANYONE AT GEMINI IN TIME TO STOP THE THEFT. 
XXXX. THE API THAT GEMINI REQUIRED XXXX TO USE HAD SERIOUS FLAWS THAT ALLOWED THE THEFT TO OCCUR : XXXX FAILED TO LIMIT ACCESS TO CLIENT ACCOUNTS BY ADMINISTRATORSALLOWED ADMIN TO WITHDRAW FUNDS W/OUT CLIENT NOTICE/AUTHORIZATION B.IT FAILED TO PROHIBIT TRANSFERS BETWEEN UNRELATED IRA ACCOUNTS ALL OF THE AFFECTED IRA ACCTS ( TOTALING A FEW HUNDRED ) WERE DRAINED AND TRANSFERRED TO A SINGLE, SEPARATE, UNRELATED ACCT, FROM WHICH THE THIEF ( S ) THEN TRANSFERRED THE ASSETS FROM GEMINI 'S EXCHANGE. 
C. IT FAILED TO REQUIRE XXXX BY CLIENT TO COMPLETE THE UNLAWFUL WITHDRAWAL GEMINIS WEBSITE SAYS XXXX REQUIRED FOR ALL WITHDRAWALS D.IT FAILED TO REQUIRE DUAL SIGNATURE BY ADMIN USERS FOR WITHDRAWALS A SINGLE ADMIN USER WAS ALLOWED TO DO THE WITHDRAWALS W/OUT NEEDING APPROVAL/INPUT BY A SECOND ADMIN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: PA

Complaint narrative:
I first contacted Equifax in XX/XX/2018 regarding an incorrect item being reported on my credit report for XXXX. I informed them I never opened any account with this company, nor did I give anyone else authority to sell my personal information to a third party. Since they did not have my authorization they should not have placed anything related to HIPPA in my personal credit file. I have been asking Equifax for proof, a signed contract, and validation and verification, which they failed to send me. I disputed this account with all three CRAs and XXXX and XXXX removed these accounts back in XX/XX/2018. Equifax has willfully ignored my request and violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: PA

Complaint narrative:
Someone made a purchase in the amount of {$330.00} in a South Carolina XXXX and I live in Pennsylvania. They pick up the order with a different name. I have never been in South Carolina and do not know anyone there. They gave me a provisional credit in XX/XX/XXXX and then deduct it from my account XX/XX/XXXX XXXX XXXX said they found no error. I lost almost half of my Social Security.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
Sometime within the past year I applied for an account with NetCredit and was approved for a credit line of {$3800.00} which I never accessed due to extremely high interest and finance charges. In XXXX I discovered that my XXXX credit report indicated the line of credit was open and reporting a balance of {$4600.00}. I never requested advance of the account fund, never received funds to my bank account, and became unable to access my account online. I have disputed the account with the credit bureaus, filed an identify theft report with the FTC, and contacted the company directly with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: NY

Complaint narrative:
Did not consent to unauthorized inquiry the inquiry was not authorized

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 2022-03-26 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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-03-26 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: FL

Complaint narrative:
I was alerted to check an update on my credit profile and found an account that DOES NOT BELONG TO ME, where someone added me as an " AUTHORIZED USER, '' to a XXXX XXXX retail account with a limit of {$3500.00} ... currency overdrawn over XXXX. Furthermore, my current mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. ALSO, the only phone numbers CURRENTLY REGISTERED to me are as follows : XXXX and XXXX. PLEASE REMOVE ANY OTHER PHONE NUMBERS, ESPECIALLY XXXX, which was stolen with XXXX XXXX XXXX back in XX/XX/2021. I have notified the credit bureau and 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 2022-03-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
the information is incorrect account paid in full still a negative collection

Company response to consumer: Closed with explanation