vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These are a list of Hard Inquires not authorized by me and without my knowledge XXXX XXXX  OPENED XX/XX/2021 XXXX XXXX XXXX  OPENED XX/XX/2021 XXXX XXXX OPENED XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX  OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX  OPENED XX/XX/2021 XXXX XXXX  OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX OPENED XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: AL

Complaint narrative:
The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, Transunion, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.

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 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX a {$5000.00} transfer was made though XXXX app from XXXX  XXXX XXXX from a family member to me XXXX XXXX at chase bank. As soon as a received it I asked for a reversal because I didnt want the money. The money was a gift and didnt want to take it. The bank employee advised me the sender will receive the money in XXXX. When they didnt receive it I called back and I was told it would take 6-8 business days. I called back again I was told that they needed to do investigation and was not sent back to the bank until the XXXX to wait another XXXX and waited. I called back on the XXXX of XXXX and they said it was agin not released until the XXXX and the sender will receive it by the XXXX the latest. There is over 3hrs of wait every time I called!!! Every time I called there is different answer!!! So much run around. There is no answer. I asked if they cant deliver it to the sender to just refund it back to my account and they said there is no way of doing that. On the XXXX I was told I will get a call back from a manager No call back. I went to the chase bank this morning at XXXX I stayed for XXXX. It was horrible. The supervisor tried to help but had to wait on the phone to speak with Custmer service. All they said was it left my account on the XXXX and there is nothing they can do about it. They said to call XXXX  XXXX XXXX and we did call but they said there is no trace of a return. XXXX  XXXX XXXX cant do any thing about it. I dont know how to get my {$5000.00} back!!! It just cant disappear. I dont have it and my family member doesnt have it!!! Please help. They have dined the claim saying it left their bank and there is nothing they can do about it!!! Chase has been awful experience. I dont understand why they cant trace it and follow through to make sure what happened to it!!!! XXXX or chase some one needs to take responsibility and resolve the issue now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has 2 late/delinquent accounts reporting 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 2022-03-23 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: IL

Complaint narrative:
I Have provided Evidence to Experian, XXXX, and XXXX of my identity being compromised. I have pointed out several reporting errors on my credit report and the 3 Bureaus has consistently ignored my consumer rights. I feel the credit bureaus has lost reporting integrity and needs to Reprimanded for not upholding the Credit laws in place for consumers. Inaccurate reporting is against the FCRA laws, in which they are not following.

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 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1687 section 602 A. States I have the right to privacy.

15 U.S.C 1687 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 2022-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ingenuity RM, LLC
State: TX

Complaint narrative:
They call multiple times a day some are after XXXX central time, from randomized numbers so I cant block it. They have started to call my place of employment multiple times. I have received a voicemail stating they will come to my place of employment that they need to coordinate a time for that to happen. Ive attached the name of the collection company and the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by the Scammer, through my XXXX XXXX all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC

Complaint narrative:
I used this platform recommended by someone I met online. Its called gemini, I used my saving XXXX aud and he lend me XXXX usdt so i can trade more, he sent it directly to gemini then we earned more than {$170000.00} usdt and we were asked by gemini to pay 10 % personal tax of my assets so we did that XXXX the man i met online helped me to collect funds for tax then we were able to settled it then after that gemini asked me again to verify account due to multiple transactions 10 % of the account balance and I paid it the they asked again for another verification because my XXXX  wallet was abnormal i begged for 5 % verification fee and they agreed so we settled taht and asked for service fee and i paid that then later on they said my accout was detected for money laundering and i have to verify my account again10 % of my funds. Im in so much debt i could not afford to keep verifying my account. I couldnt get my funds back and later on I found out that this platform that im using is different to the other gemini and XXXX said its just thesame and now i realized i got scammed. Please help me get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

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 2022-03-23 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
Hello my name is XXXX XXXX from XXXX and I sold a cell phone to a woman named XXXX XXXX, I sent her the phone in the mail and received an email from usaa bank that I need to receive a money transfer for XXXX XXXX, after receiving the phone the bank contacted me again and wanted me to transfer another XXXX XXXX The taxes the customer paid and then they will refund me XXXX XXXX, then I paid the money, then the bank contacted me again and said that now the account has risen to XXXX shekels and I need to transfer another XXXX XXXX to the customer and then they will transfer XXXX to my account, and meanwhile the client promises me The money and nothing happens and the bank also asked that I only transfer XXXX XXXX and the transfer will take place, after I transferred the XXXX XXXX, I get a message from the bank that I won a bonus and they want to compensate me another XXXX XXXX, and now they ask me another XXXX XXXX  to transfer I will receive XXXX XXXX, I wrote to them that I am no longer interested in anything and want my money that I deserve it is everything, I have all the conversations with them and the client and all the screenshots including everything, please help me please they cheated me endlessly.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: WY

Complaint narrative:
Hello XXXX, We are XXXX generation business in XXXX XXXX, We were using PayPal to receive payments from customers. In the last XXXX months itself, we had generated {$320000.00} via XXXX transactions through our business. And in XXXX, there were high sales due to XXXX 's week, we managed to make XXXX shipments which were around {$100000.00}. 

PayPal closed my account on XXXX XX/XX/2022 for no prior notice, they quoted the reason stating " You can no longer use PayPal-After a review, we decided to permanently limit your account as we found potential risk associated with it. '' though they have always make the hold up to {$50000.00} from my account. I can't withdraw it, and I am okay with the hold. 

I immediately took the action and wrote email and call them, but they are not help me with getting back up and going I am not sure if this is a mistake as I assume it has to be. I have not been able to get any sort of help by their calling support or email support. all of my funds which are {$64000.00} on hold for XXXX days Due to this limitation imposed by PayPal, I can not accept payments from my customers, and my business is greatly suffering due to this. We already lost around {$70000.00} for this month. I am also not able to refund my customers. 

I request you to fairly review my account & check Govt documents like XXXX, and further Incorporation documents of our XXXX as well as our invoice. We have submitted all of the shipment tracking details on each of our PayPal transactions. 

Let me know if you need any further information or legal documentation. 

My PayPal E-mail is : XXXX Best Regards. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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:
the paypal company has permanently limited my account and frozen my funds for more than a year, they told me that after XXXX days I could send my money to a bank account but they continue with the mystery of not knowing when I could make it said action, paypal withheld my direct deposit of {$2300.00} dollars as of XX/XX/2021, and to date more than XXXX days have passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: IL

Complaint narrative:
I Have provided Evidence to XXXX, Transunion, and XXXX of my identity being compromised. I have pointed out several reporting errors on my credit report and the 3 Bureaus has consistently ignored my consumer rights. I feel the credit bureaus has lost reporting integrity and needs to Reprimanded for not upholding the Credit laws in place for consumers. Inaccurate reporting is against the FCRA laws, in which they are not following.

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 2022-03-23 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:
I Have provided Evidence to XXXX, XXXX, and Exquifax of my identity being compromised. I have pointed out several reporting errors on my credit report and the 3 Bureaus has consistently ignored my consumer rights. I feel the credit bureaus has lost reporting integrity and needs to Reprimanded for not upholding the Credit laws in place for consumers. Inaccurate reporting is against the FCRA laws, in which they are not following.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: HI

Complaint narrative:
Per the Fair Credit Reporting Act XXXX and Equifax are reporting inaccurate information on my credit report from furnisher XXXX XXXX XXXX  account # XXXX which is a major United States Consumer Credit Reporting Violation! 
The balance being reported on my XXXX Credit Report is showing {$1000.00} and from the same account, Equifax is Reporting the balance as {$10000.00}, this is a major violation, Also on the same account XXXX is reporting the High Credit {$16000.00} and on this same account Equifax is reporting the High Balance as {$10000.00} which is another FCRA violation!, Also XXXX is reporting the date last reported as XX/XX/XXXX, and Equifax is reporting the Date last reported as XX/XX/XXXX which is another FCRA violation!, also XXXX is reporting the Date Last Active is XX/XX/XXXX and Equifax is reporting Date last Active is XX/XX/XXXX which is another FCRA violation!, Also XXXX is reporting Date of Last Payment was XX/XX/XXXX and Equifax is reporting Date of Last Payment was XX/XX/XXXX which is another violation of the FCRA! also both agencies have not put the status of the account as " In Dispute '' which is a Violation! XXXX has followed the law and deleted this account for inaccurate information while XXXX and Equifax are still reporting this account inaccurately and it should be deleted from my credit report immediately! Also 15 U.S.C. 1681 Section 602 A. States I have a right to Privacy, Also this account is reporting inaccurate name, address, and phone number associated with this account which is another Violation.

Company response to consumer: Closed with explanation