vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I filed it under the didn't follow it right with my insurance company it pay XXXX my mental XXXX XXXX at that time

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 2022-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I received an unsolicited statement regarding a transaction that I did not make or authorize with a request for payment for a " cryptocurrency ''. The statement suggests that I contact them if I believe there is an order, or that I click on the statement to " Print or Save '' the statement. There is an attached telephone number to contact and an embedded email address to contact if I believe there is an error. 

I believe that this is a fraudulent statement designed to lure me into a conversation that will lead to my divulging password and account information to give them access to my financial accounts and resources. 

The email account embedded in this invoice is " XXXX '' The invoice has a header displayed of " Invoice # XXXX for {$760.00} from Your Crypto Order Inbox ''. The telephone number to contact the " sender '' for help is " XXXX ( XXXX ) XXXX '', I have taken no steps to respond to any of the phone numbers or links embedded in this message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
I requested a refund for student loan payments made during the COVID pandemic. Per CARES ACT law, they should be eligible for refund. I was told that the refund I requested may not be processed, and if it is, it could take 150 business days! This is unacceptable considering the fact that other servicers are providing refunds within a couple of weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act Capital One Auto Finance 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 2022-09-13 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My previous complaint about unfair practices by PayPal was not resolved and was closed under unknown to me circumstances. I have to file a new complaint, because outrageous violations were performed by PayPal and have to be put on record for further actions. My actions with my money on my account were wiped off. This is unacceptable and requires the appropriate investigation. 
I appreciate the alert that PayPal submitted their response to my previous complaint that was filed on XX/XX/XXXX and my rebuttal is awaited. But why did the CFPB put on my page account that the complaint closed??? It is confusing and not understandable why my complaint got closed before that complaint is resolved. How come the complaint has that notice that it is closed? 
The PayPal response on that complaint was a fraud. I have to request all financial transactions that were done in real after XX/XX/XXXX until the current date that will determine that PayPal covered up its unfair practices and perjured along with covering up the secret conspiracy between PayPal and XXXX XXXX XXXX. PayPal deleted all transactions from my account between XXXX XXXX and PayPal and deleted the record of the linked XXXX account that was listed on my PayPal page account on and after XX/XX/XXXX. Two transactions of {$5000.00} were scheduled from PayPal to XXXX in XXXX and in XX/XX/XXXX and money showed up on my XXXX account and after that disappeared. I believe it is more than illegal to wipe any transaction that was scheduled and initiated and PayPal did it. Fortunately, the attachment of PayPal 's email was saved by me confirming that XXXX was linked on XX/XX/XXXX. I am asking CFPB for help to send my demand for all financial transactions on my PayPal account from XX/XX/XXXX until the current date. How is that possible to wipe off any financial transactions from the account? Does it mean that PayPal is an extremely dangerous financial institution? 
About two fees each of {$29.00} that were charged on two transfers of {$1000.00} that was done through family and friends option at no fees as usually, based on the history for two years, is out of questions that PayPal took an advantage and has to return the second fees of {$29.00} too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian is reporting my personal information inaccurately when I request for removal their system wouldn't allow me to do so furthermore, they wouldn't be able to due to the names being tied to accounts that are reporting accurately. Knowingly the information is reporting accurately they are refusing to dispute & report accurate information which is a clear violation of my consumer right. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies You are in violation of FCRA reporting false & inaccurate information to my consumer report. The information is provided to update the accuracy of personal information containing my government name XXXX XXXX XXXX. Removal of XXXX XXXX & XXXX XXXX XXXX for complete accuracy to my consumer report. 

Failure will result under 15 U.S.C. 1681o. Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 
( b ) Attorney 's fees On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorney 's fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.

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 2022-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was sent money through Venmo. I can not access this money. Venmo blocked me out. Venmo stole the money. Venmo 's system is a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 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:
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 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collections of any debt

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 2022-09-13 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: GA

Complaint narrative:
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 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collections of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: CA

Complaint narrative:
Credit reporting agencies constantly report fraudulent information even after properly disputing and demanding they remove the unfair, fraudulent accounts, statements and inquiries. XXXX are negligent and non compliant.

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 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I contacted bank that finance aspire credit card and asked them to stop sending me prescreen offers and the bank forteva said there is nothing they can do and I called aspire credit card and it's just a machine there nobody to talk to it ask for my social and I don't want to give it out cause someone has my information it was a trained without my permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Another credit inquiry today from XXXX XXXX  this is getting old. This is a unauthorized I didnt apply for 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 2022-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: WA

Complaint narrative:
On XX/XX/2022 I had finally made contact with an online representative from EdFinancials. I had tried to reach them multiple days online through their chat option. Attached will be a shot of the conversation. They told me I would not get a confirmation email that I requested a refund. But that they will refund me XXXX dollars that I have made payments on since the COVID forbearance. I have since called them on the XXXX of XXXX because I had yet to receive an update. It took a very long time to reach anyone. After finally getting a call back they said they could see my request for refund but could not give me a confirmation or a timeframe. They said to check with the government guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: MI

Complaint narrative:
On XX/XX/22 I opened an account with Venmo after making the mistake of believing I needed to use one to use XXXX XXXX After realizing my error I proceeded to leave the account alone entirely. As I had no further use for it. No transactions were made, no withdrawals, and no balance owed ; overdraft, due, or otherwise. 

I heard nothing from Venmo over the weekend and came to find later their office hours are closed. As this did not really matter in the moment due to my lack of interest in the account I went on my way and continued my weekend. On XX/XX/22 I received an email from them asking about connecting a method to withdraw money or add money in an email, and then an hour after this email I was informed my account was 'frozen due to recent activity that appears to have violated the User Agreement. ' This is false, as I had not even used the application or done anything in it to warrant a violation to begin with. 

No purchases made. 
No withdrawals or money requests. 
No accounts hooked to the Venmo ; banking, credit or debit from any institution No breach of an account I did not own. 
No duplicate accounts. 
Nothing. 

I read through their User Agreement and found myself in no form of violation to their terms at all. My account was also verified by their app which means they approved my Name / DoB / SSN / Address, City, & State as all being valid and toward me. Yet the email told me that with my account frozen I would be able to reactivate it if I sent them a copy of my photo ID unexpired. 

I do not feel comfortable with this at all. I never used the platform only signed up for it, they are requesting more of my identification despite their app verifying me, and after speaking to their correspondence on the matter I am stuck waiting for 7-10 day turn around for an answer. This is also in pair with the fact that an account can not be closed if it is frozen. A little history and research on Venmo will show this is a common practice of theirs and for some also is a means of their money being held in a 180 day limbo. Fortunately I have nothing invested in them and only want my account closed. 

The Pandemic also makes it impossible to get properly updated identification without an appointment and appointments are swamped with the higher rising cases. I want nothing to do with Venmo and informed them of such when I reached back out via email. Since I never utilized the account for any purpose, I would like the account unfrozen and closed. If I decide at a later date I want to open a Venmo account then sure, I will do so, but that is not likely considering their customer service and refusal to work with me to resolve such a simple matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: LA

Complaint narrative:
The U.S. Department of Education has illegally re-aged my account and has refused to deliver any documents and payment history regarding my account. These are serious violations of the FCRA, and are causing severe damage to my credit reports. I have been in communication with the U.S Department of Education since XXXX of XXXX. I sent an official letter on XX/XX/2022, requesting any and all information on my account, including the date of first delinquency. These documents have not been furnished, I have sent other letters from XXXX, XXXX. XXXX, XXXX, XXXX of XXXX and still not received any documentation and the illegally re-aged accounts are still on my credit report, when they are too old to be on 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 2022-09-13 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: LA

Complaint narrative:
The U.S. Department of Education has illegally re-aged my account and has refused to deliver any documents and payment history regarding my account. These are serious violations of the FCRA, and are causing severe damage to my credit reports. I have been in communication with the U.S Department of Education since XXXX oXXXX XXXX. I sent an official letter on XX/XX/2022, requesting any and all information on my account, including the date of first delinquency. These documents have not been furnished, I have sent other letters from XXXX, XXXX. XXXX, XXXX, XXXX of XXXX  and still not received any documentation and the illegally re-aged accounts are still on my credit report, when they are too old to be on 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