vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-17 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 XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX and 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 602 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 2022-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
On XX/XX/2022 I was invited by a friend to join an investment fund promoted by XXXX XXXX XXXX via XXXX XXXX I made four deposits to Coinbase.com via Wire Transfer : 1 ) {$6400.00} on XX/XX/2022 XXXX ) {$1000.00} on XX/XX/2022 XXXX ) {$8000.00} on XX/XX/2022. 
XXXX ) {$5000.00} on XX/XX/2022. 

The money was converted to XXXX XXXX then sent from my Coinbase Account to my Coinbase Wallet  : XXXX The following link shows my transaction history with my seed code above : XXXX XXXX XXXX? XXXX XXXX XXXX is a Ponzi Scam that begin early XXXX, XXXX. 

As of XX/XX/XXXX, the funds are now missing, gone from the wallet. It wasn't transferred out and my account wasn't hacked. 

I received a message by XXXX  from XXXX XXXX XXXX XXXX XXXX '' XXXX " XXXX '' demanding I pay 10 % of my earnings to a third party USD Tether Address or transfer 20 % of the earning to my Coinbase wallet, otherwise my funds would be frozen. 

XXXXXXXX  is not partnered with Coinbase, XXXX, XXXX or XXXX XXXX as they claim. 

To my knowledge there are 1000 's of investors like myself who have lost a lot of money in this crypto currency ponzi scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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: NV

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

1

5 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 2022-07-17 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: Eagle Financial Services, Inc.
State: KY

Complaint narrative:
I filed bankruptcy in 2018 and this creditor was paid off. There is something still showing up on my credit report as past due and late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My credit score has been showing no score since XXXX. I have four years and four months of credit history and have been trying to contact Westlake Financial, XXXX, and XXXX regarding this error to no avail. I have paid XXXX XXXX to look into the matter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), but this did not help. Westlake Financial is of no assistance and the name on my account has been incorrect since XX/XX/XXXX. I have tried email, phone, and mailing the documentation for the name change and I get no response. How can I have over four years of credit history, with a XXXX score in XXXX, and then the score disappears and the history remains?

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 2022-07-17 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account 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 2022-07-17 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Account 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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit score has been showing no score since XXXX. I have four years and four months of credit history and have been trying to contact XXXX XXXX, XXXX, and Transunion regarding this error to no avail. I have paid XXXX XXXX to look into the matter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), but this did not help. XXXX XXXX is of no assistance and the name on my account has been incorrect since XX/XX/XXXX. I have tried email, phone, and mailing the documentation for the name change and I get no response. How can I have over four years of credit history, with a XXXX score in XXXX, and then the score disappears and the history remains?

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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit score has been showing no score since XXXX. I have four years and four months of credit history and have been trying to contact XXXX XXXX, Experian, and XXXX regarding this error to no avail. I have paid XXXX XXXX to look into the matter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), but this did not help. XXXX XXXX is of no assistance and the name on my account has been incorrect since XX/XX/XXXX. I have tried email, phone, and mailing the documentation for the name change and I get no response. How can I have over four years of credit history, with a XXXX score in XXXX, and then the score disappears and the history remains?

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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Paypal Holdings, Inc

Complaint narrative:
Description of Complaint : PayPal. 
I have been using PayPal to receive payment for my online business, on the XX/XX/2022 I received a payment of XXXX $ Merchant ID : XXXX  for a service I rendered and the payment was put on hold for 24hrs, but after 9 hours I got a notified from PayPal that my account has been permanently limited i immediately contacted executive officer and I was told I broke PayPal disagreement which I didnt do anything bad and my account didnt violated any of their rules, and I feel this wasnt fair on my part as I cant have control over how other people use their PayPal account, I just really want my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Went to dealership 2020 was promised and guarauteed my credit would only be ran inside the dealership. Instead unknowningly and without my permission, it was ran through mulitple finance companies. Following companies are below! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax and XXXX breached my information and so my bank accounts and credit were attacked from 2020 to present day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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: CA

Complaint narrative:
I Have Asked Equifax, XXXX XXXX XXXX to re-investigate the information on my credit report and I know the information is incorrect but they all reported back to me that they verified the information on my credit report. So I am here today to report information that has not been fixed and would like to remove all accounts and negative items on my credit report. 

1

5 U.S.C 1681i States that I have the right to ask for a Reinvestigation ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
Comenity bank has been down for a whole month. No one has access to their accounts online. Whenever you try to log in it gives a glitch error. They are not answering any calls. They have a robot saying call back later. You cant speak with a live person. They have everyones account mixed up. No one can give an explanation for anything. This is ridiculous. They not only changed the amount I was paying but also added on 4 other fees. I currently have/had a payment for XXXX due on the XXXX of the month in which I was paying {$18.00} for XXXX and Victoria secret I was paying {$26.00}. I logged on to pay and I see that payments were way higher for both with added fees on which I never had. I didnt know what was going on so I paid {$30.00} for XXXX and {$30.00} for XXXX even thou I knew my payments were only {$18.00} and {$26.00}. I logged on a few days later more fees. I couldnt understand what was going on. I tried callling and calling couldnt get through then the next day I was unable to log in. The whole system went down and has been down since. They keep lying saying the website is up and running and we can make easy payments thats all a lie! Nothing is working. Nobody is answering the phones and they are putting Late payments on everybody credit reports because they have been hacked. Its not our fault they messed up everything and everybody accounts. I have never in all my days seen anything like this in my life. I dont trust Comenity bank which is bread financial now at all. Something is going on and everybody is suffering because of their mess up. They are messing up peoples lively hoods messing with the credit scores. Some people said they were able to get the easy pay to work but its taking out over 2 charges on their accounts. I dont know what to do at this point. I dont feel like any of my information is secure. Something has to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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: Open Dealer Exchange, LLC
State: TN

Complaint narrative:
Went to dealership 2020 was promised and guarauteed my credit would only be ran inside the dealership. Instead unknowningly and without my permission, it was ran through mulitple finance companies. Following companies are below! 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I realize I have hard inquries on my report that I did not approve of nor had any knowledge about the companies. Included are the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Regions Bank - XX/XX/XXXXXXXX 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 2022-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
DATES OF CERTIFIED MAIL SENT TO TRANSUNION AND XXXXXXXX XXXX REQUESTING VALIDATING AND VERIFYING INFORMATION XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I HAVE NOT RECEIVED ANY OF THE REQUESTED INFORMATION VERIFYING OR VALIDATING THE ACCOUNTS THAT ARE DAMAGING MY CREDIT REPORT. THERE ARE SEVERAL INACCURICIES LISTED IN THE INFORMATION BEING REPORTED BUT IT IS REPORTING TO MY CREDIT REPORT AND IT IS NEGATIVE. THIS NEEDS TO BE HANDLED URGENTLY AND REMOVED 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 non-monetary relief
Consumer complaint received 2022-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I had ordered an XXXX backup battery from XXXX XXXX. They sent an email saying it was out of stock with no date to ship. I called XXXX, they had no idea when it would be shipped and I canceled the order and ordered from a different company. The battery arrived in two days and I installed it. A battery arrived from XXXX in three more days. I called XXXX back and was told I could return it but they gave me no XXXX. I disputed the purchase with XXXX who Investigated (? ) it and said I had to accept the transaction. At that point I closed my account with XXXX that was XX/XX/XXXX. I called XXXX back to find out why XXXX contacted XXXX on XX/XX/XXXX and again on XX/XX/XXXX and they told me the account was frozen because I still owed the {$55.00} from purchasing the XXXX battery. I contacted my bank who sent XXXX a 'proof of proof of payment ' letter on XX/XX/XXXX. Apparently my XXXX account has been unfrozen because XXXX accepted a charge from XXXX on XX/XX/XXXX for {$120.00}. 
How do I close 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 2022-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I realize I have hard inquries on my report that I did not approve of nor had any knowledge about the companies. Included are the following Capital One - XX/XX/XXXX Capital One - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Capital  One - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17 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: Account Control Technology, Inc.
State: TN

Complaint narrative:
I have accounts in collections with inaccurate information reporting, Please send verification or agreement stating the transaction or buisness weve done together. If can not provide accurate legal statements please remove within the legal time frame.

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 2022-07-17 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: CA

Complaint narrative:
I Have Asked XXXX, TransUnion XXXX XXXX to re-investigate the information on my credit report and I know the information is incorrect but they all reported back to me that they verified the information on my credit report. So I am here today to report information that has not been fixed and would like to remove all accounts and negative items on my credit report.

15 U.S.C 1681i States that I have the right to ask for a Reinvestigation ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

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 2022-07-17 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: CA

Complaint narrative:
I Have Asked XXXX, XXXX XXXX Experian to re-investigate the information on my credit report and I know the information is incorrect but they all reported back to me that they verified the information on my credit report. So I am here today to report information that has not been fixed and would like to remove all accounts and negative items on my credit report.

15 U.S.C 1681i States that I have the right to ask for a Reinvestigation ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

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