vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I sent payments to an end user for a business website creation and business social media creation which will be linked together. The end user who received my payment on this platform advised the services would be completed by XX/XX/XXXX, then pushed the date to XX/XX/XXXX, pushed to XX/XX/XXXX and finally on the XX/XX/XXXX he pushed it back to XX/XX/XXXX. The service was never rendered, and the end user blocked my calls. I did some investigation of the person 's name and found out he was a scammer and has embezzlement charges. I submitted a claim with the federal trade commission and Crime stoppers. I advised this to cashapp and provided them with all the details and they refused to assist at all. They advise they refuse to assist or to punish the scammer. He is still active on cashapp and he never provided my refund. I am out of {$5000.00} and no assistance was provided from cashapp whatsoever. The person has previous impersonating, embezzlement, and scamming charges.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 : 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 2022-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
I am applying for Public Service Loan Forgiveness. I have been a social worker since 2009 and have been uploading documents to My Fed Loan for years. When I go to my upload history to review my past interactions with them, my past uploads have been deleted from my account. I did not delete them. They are assessing my qualifying payments at XXXX. This is incorrect and I need them to review it again and fix it. If they assess me at XXXX that would mean they are counting under 3 years of my work experience which like I said, I have been working for much longer than that with qualifying employers.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX Consumer Financial Protection Bureau po box 27170 Washington, DC 20038 RE : Complaint Number XXXX Date : XX/XX/2022 To Whom It May Concern : I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you re-investigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question.

Enclosed is a copy of my original letter and credit report with the disputed items highlighted. Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 

If you have any questions, please contact me at the address listed above Your cooperation and prompt attention are greatly appreciated. 

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 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This bank doesnt get tired of telling me no each time I apply its not fair I feel discriminated against Im crditworthy and their stupid system never even pulls my credit Im a XXXX XXXX XXXX XXXX and I get discount each time I shop And save with this card but this bank will never consider me or approve me its not fair how am I supposed to qualify when their not even trying to qualify me my credit is not the problem when I call to reconsider they say no

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following company sent the Credit Bureaus derogatory marks and said I had alleged Debt. Once investigated and sent a copy of the application by XXXX after several disputes. On the application ( 1 ) I noticed the person did not sign my name, ( 2 ) The attempt to sign my name does not have the letters in my name ( 3 ) The wrong address. I have attached a copy of this page. This was not legal or verified thoroughly. Please remove from my credit the following company below. 

XXXX  Account # XXXX CFPB Write up 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The following company sent the Credit Bureaus derogatory marks and said I had alleged Debt. Once investigated and sent a copy of the application by XXXX  after several disputes. On the application ( 1 ) I noticed the person did not sign my name, ( 2 ) The attempt to sign my name does not have the letters in my name ( 3 ) The wrong address. I have attached a copy of this page. This was not legal or verified thoroughly. Please remove from my credit the following company below. 

XXXX  Account # XXXX CFPB Write up 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Paxful Holdings, Inc.

Complaint narrative:
Good day Sir/Ma Please save me from paxful.com unfair decision I got a message from paxful.com on the XXXX of XX/XX/2020 that my trading account has been frozen and it will take 365 days for them to complete their investigation. All my effort to know what my offense was proved abortive. i have XXXXbtc in my account with username name " XXXX ''. my account still remained frozen till date without any update from them. it is already more than 25months contrary to their 12months stated earlier.

My account is fully verified with my international passport and i also used my bank account statement to verify address. all efforts to reach them via email and social media handle proved abortive. 

i have asked them several times to tell me exactly while they put my account under investigation but no answer to my question till date. i have my business registered in XXXX. and i have all the necessary documents which i have forwarded to them via email. infact i have trading website XXXX 

i don't trade on paxful i only have account with them because some of my customers do request for paxful wallet due to their free internal transactions then. i.e paxful to paxful transaction was free. so when customers request for it i just gave it to the customer and once i received it, i will pay them local currency ( XXXX ). 

Please kindly Assist me

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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 : 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 2022-03-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX, # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I have received collections on my credit report on debts that I have not had a chance to review for payment or disputed the validity of the debt. I have never received any written notice of these debts. There are 4 collections from the same company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be 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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be 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 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2021, I called the company 's Mortgage line to make a payment on my existing mortgage for XXXX in the amount due for that month, including a fee. After making a payment through the automated system. 

On XX/XX/2021. I received an alert from my credit monitoring service, XXXX, showing a late payment alert from this lender. As it was after XXXX pm on a Friday, I could not call into the mortgage department and speak to a representative in this department to attempt to rectify this issue. At that time, this institution also had no support in the mortgage department during the weekend. On Monday, XX/XX/XXXX, I called to make the error known and note I previously called into the automated system to make XXXX 's mortgage payment. The mortgage representative stated that they did not receive the payment through the automated system. I let them know that this may be a system error but made a payment that morning to satisfy the error.

The automated phone system is the method that I have used to make payments over the last three years, almost 85 % of the time, to make my payments on this loan. Although this system has been reliable, I have had a prior incident with the automated system not applying a payment which was later 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 2022-03-26 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: CT

Complaint narrative:
I was given a Vanilla Gift Card worth {$500.00} as a gift from my employer in XXXX XXXX. I tried to use the card for the first time on Friday, XX/XX/XXXX. My transaction, which was less than {$500.00}, could not be processed, which made no sense to me. I logged into the Vanilla site using my card number and saw that XXXX fraudulent charges had been made on XX/XX/XXXX totaling {$290.00}. I called Vanilla to report the fraud. The representative advised that the card had been used in CA and XXXX of the charges was at a XXXX. The representative canceled the card - including any access to the {$200.00} remaining. I was emailed two pages to fill out with details and information, which I did. I returned this information to the dispute department and received from them a confirmation email on XX/XX/XXXX. That confirmation email ( pasted below ) indicated that I could expect resolution on this matter in 90 days or less. XX/XX/XXXX marked 90 days, and I have yet to receive any update or resolution. I have emailed the dispute department XXXX times, with not a single reply. I called customer service today, XX/XX/XXXX and was informed that no notes have been made on my file. It seems as though I have been defrauded not only via the initial theft of funds on XX/XX/XXXX, but also by Vanilla Gift Cards, who took the balance of my funds. They not only have done nothing about the stolen amount, but seemingly are content to hold onto the funds that the thieves didn't steal. This all feels like a giant scam. They have my name, address and phone number and I don't have a single name of a person there. My dispute case number with them is XXXX. 

Email from XX/XX/XXXX Greetings, Your dispute packet has been received and forwarded to the Dispute Department for review and investigation. Please be advised that disputes are worked in the order they are received. You should expect complete resolution within 90 days from received date, however, most are resolved before then. If additional information is needed, you will be contacted via email. 

Please include your case number on any communication regarding this dispute. 

Thank you This mailbox is not monitored, any correspondence should be send to XXXX. 

DISPUTE RESOLUTION TEAM XXXX XXXX XXXX XXXX GA XXXX PAYMENTS | TECHNOLOGY | INNOVATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America performed a hard credit inquiry and then sent me a credit card without my consent. This negatively affected my credit score.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hi! My PayPal account was permanently limited on the XXXX of XXXX. I think there could be some mistake, because I did not break any rules. I am a XXXX XXXX  and simply received payments from my customers. The email I received from PayPal saying that they found some potential risk associated with my account. I understand that PayPal reviews accounts to prevent fraud and keep a safe environment for both buyers and sellers. But since I started using PayPal I have not receive a single dispute from my customers, so I'm pretty sure there is some mistake. Please help me to get my account back. If you need any info about my business, I would be glad to provide everything that is required. 
My PayPal email is XXXX XXXX

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act Dept of EdXXXX acct XXXX XXXX, XXXX  acct XXXX XXXX XXXX XXXX XXXX acct # 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 explanation