vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 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: GA

Complaint narrative:
To whom it may concern, Please provide me with all the information you used for your investigation, as required FCRA 611 ( a ) ( 7 ) This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) ( 7 ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( b ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

I am requesting the method of verification for the disputed accounts below XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX documentation used to verify the dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX documentation used to verify the dispute I request that you send me this information so that I know that the investigation was in fact conducted properly.If you are unable to respond in a timely manner and/or provide me with the requested documentation, please delete the accounts from my credit 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 2023-05-04 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
Affirm accounts shows on my credit as an open account i contact affirm they were not able to find an an account under my social i have never authorized affirm to open an account never have any business with them Need this to be removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Hard Inquiries Capital One XX/XX/XXXX XXXX XXXX XX/XX/XXXX Disputed with companies, no open accounts associated with these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AL

Complaint narrative:
There were XXXX large deposits made to my online Chime Bank account in XXXX. These deposits were winnings from a online casino that I play. I have had this account for several years and have had my income tax refunds, paychecks and other winnings from the casino deposited to this account with no issues. On XX/XX/ my account was locked and I received a email asking for proof of deposits along with my ID. I submitted requested documentation on XXXX XXXX Since then I have resubmitted documents about 5 times. Each time I receive a email response asking me to submit submit documents. I have made anywhere between 10 to 15 phone calls only to be told that I can not speak to anyone on the review team but they will " expedited " my concern to them. I have submitted over 15 emails to customer support, outreach and review only to be asked to submit documents that I have already submitted numerous times. I have been off of work over a year because of a work related injury so this money was a blessing to me and my family but because my account is locked I have depleted my savings account and have been late paying my bills. I was out of town on the XXXX XXXX XXXX when my account was locked. Had to borrow money from family to get home and pay for the remainder of my trip. I need access to this account because this is all the money that I have and I have been told that I need to move out of my place by XXXX XXXX because I have been late paying rent for the past XXXX months because of Chime Bank holding my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Constant calls during late nights or early mornings and during my work shift. If I block the number theyll just call using another one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: MO

Complaint narrative:
I submitted a complaint last XX/XX/ and it was closed immediately. I submitted a complain again last XX/XX/ and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can you say that you closed my complaints because it has already processed earlier complaints about my problem. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. THESE ACCOUNTS ARE NOT MINE.

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 2023-05-04 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Theres a charge on my PayPal Credit card that I did not make. According to PayPal the transaction is consistent with my purchase history. An XXXX transaction in the amount of {$860.00} made in XXXX  I never made such transaction nor have made any previous transactions from XXXX for them to say it is consistent with my purchase history. Even though I told them that several of my accounts had been hacked and used fraudulently.

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 2023-05-04 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:
XXXX has reported that I am a customer of theirs. They claim that I opened an account on XX/XX/XXXX and did not pay it. Therefore, they sent it to collections in XX/XX/XXXX for the amount of {$2200.00}. They state that this account belongs to an address in New Jersey. I have contacted XXXX 5 times over the last month. I have contacted Experian at least as many times. I have talked to everyone from Customer Service to Fraud Department in each company. I have disputed this account with Experian 3 times and each time they state that XXXX has verified that I am the one responsible for this account. The funny thing is, XXXX can not find the account number, XXXX can not find my social security number and I have NEVER been a XXXX customer in my life. Oh, and I have never been to New Jersey. 

The partial account number provided by experian is : XXXX .... 
The address they believe I live at is : XXXX XXXX XXXX XXXX XXXX NJ XXXX So, who in XXXX can produce a contract that I signed? Nobody can ... ..because I am NOT a customer! Experian still maintains that XXXX insists I am a customer and yet they will not provide me with any evidence to that effect. I am tired of wasting my time so I need you to fix this or tell me who to sue for damaging my 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 2023-05-04 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: ERC
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX  & Account # XXXX XXXX XXXX XXXX Account # XXXX Enhanced Recovery XXXX Account # XXXX XXXX XXXX XXXX & Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX and have violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that 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. 1666 B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: FL

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 XXXX XXXX XXXX. 


Account XXXX XXXX XXXX  Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account XXXX FUNDING Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX  Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account namXXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-05-04 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account XXXX XXXX XXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account XXXX XXXX Account Number : XXXX Account namDEPTEDXXXX  Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX  Account Number : XXXX Account namDEPTEDXXXX  Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
I am trying to access gemini cryptocurrency account ( name : gemini trust company , LLC ) after long time. I raised multiple requests via their customer service portal but there has been no response from gemini support. I have funds locked in my gemini account that I am trying to access to alleviate some of my financial stress but I am not getting any support from gemini team as they keep sending response to XXXX pertaining to my XXXX account which I dont have access to for reason stated below. I had provided alternate email address ( XXXX ) which I have access to but I havent got an response from them with respect to any verification questions pertaining to my account which I can answer. I was able to restore my XXXX  account going this route but it has literally been a pain with gemini support. I dont know why gemini support keep sending response to an email to which I dont access to. 

Reason : I dont have access to my XXXX  pertaining to my gemini account since my phone got damaged which had authy app. I had used a XXXX  voice number for XXXX pertaining to my gemini account. I have lost access to that XXXX voice number because of which I am unable to login into my XXXX  pertaining to my gemini account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: GA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX  4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX Experian:XXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN  YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2023-05-04 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : 2ND INCOME 3. The following personal information is incorrect Account Number : EMPLOYER : RETIRED 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 5. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account.

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 2023-05-04 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: FL

Complaint narrative:
im victime of equifax data lick my personal information was exposed and i have star reciving a lot of hard iquares in my credit and some credits aproved, i have informed to the financial intitucion the open acount for fraud has been closed but after a couple of disputes but equifax havent delet the fraudelant activity, for this reazon i file this complain to get fair action and have my credit report recovered from fraudeland activity, also i willbe paert of thge data lick settlement compensation for XXXX and time fixing my credit report

Company response to consumer: Closed with explanation