vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I proceeded to my XXXX where there were two XXXX boys selling chocolate. They approached me asking if I was interested in buying a bar to raise money from their high school basketball team. I said I would buy one but didnt have cash on me and tried to walk past. They said they had XXXX XXXX  and Venmo. I thought sure why not? I asked the guy what his Venmo was but he said he could input it. Foolishly and regretfully, I allowed this person to input the amount. When he was done, I asked for a chocolate after he finished the transaction, which at that point, I didnt check yet. He was so hesitant to give me it. I walked into the XXXXXXXX and to my dismay this person charged me {$1000.00} dollars for a chocolate bar. I knew I was scammed. I immediately told security of this incident and told them those XXXX were scamming people on their property. This is a XXXX located in XXXX on XXXX. I went back to my car and called XXXXXXXX XXXX  to stop the payment. I also filed a dispute with Venmo letting them know of all these details and they froze my account for my safety, at least that was what I was led to believe. 

Today, I received two emails letting me know that they had withdrawn the remaining {$7.00} from my Venmo account and paid this individual {$1000.00} and that I owed Venmo the remaining {$990.00} after the trauma of being deceived out of my own kindness to help what I thought was good only to get backstabbed my Venmo aka PayPal aka a scam. 

I had every right to protect myself and now Venmo is siding with the individual whos basically a criminal and probably working under larger criminal entity for all we know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BlockFi Inc
State: OR

Complaint narrative:
I am a Blockfi customer with frozen accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: LA

Complaint narrative:
I sent Experian documents proving that the bankruptcy was reported by XXXX XXXX that there is no public record shouldn't appears on my credit report it was reported as someone gain access to my information and used it, so they could not verified it with no proof.

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 2022-11-20 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: AL

Complaint narrative:
I keep receiving notifications from my credit monitoring service, that my score SEVERELY decreased due to missed payments on my car loan. Although I HAVE NOT missed ANY payments, XXXX XXXX has reported I have missed my payments for 4 months! I called XXXX XXXX and they told me to dispute it, then they would correct it! I did and NOTHING was updated and/or corrected! I have NEVER paid 30 days late and according to FCRA and 15 US Code 1666b, inaccurate information must be removed and deleted immediatley! I have disputed the inaccurate information EVERY month since XX/XX/XXXX - present, which has been WELL OVER 30 days for XXXX XXXX to correct it! Now, I feel I need to SUE becuase I am very distressed that they have reported late payments/past due info in my credit profile due to damaging effects on my credit standing! 

Also, I purchased this vehicle in XX/XX/XXXX and I have only had the vehicle in my possession for 6-7 months! The remainder of the months it was in the REPAIR SHOP with MAJOR issues, icluding leaking GASOLINE inside of it, which has also caused me to now have 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 2022-11-20 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: AL

Complaint narrative:
I keep receiving notifications from my credit monitoring service, that my score SEVERELY decreased due to missed payments on my car loan. Although I HAVE NOT missed ANY payments, XXXX XXXX has reported I have missed my payments for 4 months! I called XXXX XXXX and they told me to dispute it, then they would correct it! I did and NOTHING was updated and/or corrected! I have NEVER paid 30 days late and according to FCRA and 15 US Code 1666b, inaccurate information must be removed and deleted immediatley! I have disputed the inaccurate information EVERY month since XX/XX/XXXX - present, which has been WELL OVER 30 days for XXXX XXXX to correct it! Now, I feel I need to SUE becuase I am very distressed that they have reported late payments/past due info in my credit profile due to damaging effects on my credit standing! 

Also, I purchased this vehicle in XX/XX/XXXX and I have only had the vehicle in my possession for 6-7 months! The remainder of the months it was in the REPAIR SHOP with MAJOR issues, icluding leaking GASOLINE inside of it, which has also caused me to now have XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I keep receiving notifications from my credit monitoring service, that my score SEVERELY decreased due to missed payments on my car loan. Although I HAVE NOT missed ANY payments, XXXX XXXX has reported I have missed my payments for 4 months! I called XXXX XXXX and they told me to dispute it, then they would correct it! I did and NOTHING was updated and/or corrected! I have NEVER paid 30 days late and according to FCRA and 15 US Code 1666b, inaccurate information must be removed and deleted immediatley! I have disputed the inaccurate information EVERY month since XX/XX/XXXX - present, which has been WELL OVER 30 days for XXXX XXXX to correct it! Now, I feel I need to SUE becuase I am very distressed that they have reported late payments/past due info in my credit profile due to damaging effects on my credit standing! 

Also, I purchased this vehicle in XX/XX/XXXX and I have only had the vehicle in my possession for 6-7 months! The remainder of the months it was in the REPAIR SHOP with MAJOR issues, icluding leaking GASOLINE inside of it, which has also caused me to now have 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 explanation
Consumer complaint received 2022-11-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax still has not resolved the previous disputes nor provided required results of investigation and has been in multiple violations of the FCRA as per attached. Equifax has not paid violations invoice as attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: LA

Complaint narrative:
I sent XXXX documents proving that the bankruptcy was reported by XXXX XXXX that there is no public record shouldn't appears on my credit report it was reported as someone gain access to my information and used it, so they could not verified it with no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: IL

Complaint narrative:
I sent the credit bureas letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies.

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 2022-11-20 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: CT

Complaint narrative:
XXXX Account XXXX for the amount of {$780.00} reporting on my credit. This is a fraudulent account and I did a FTC report. Please review and remove this account as soon as possible.

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 2022-11-20 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: CT

Complaint narrative:
XXXX XXXX  XXXX for the amount of {$780.00} reporting on my credit. This is a fraudulent account and I did a FTC report. Please review and remove this account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: BlockFi Inc
State: VA

Complaint narrative:
Money secured in my name in a cold wallet by Blockfi is trying to be used by Blockfi to satisfy secured creditors in upcoming bankruptcy. They have blocked withdraws of secured funds in a wallet and not allowing access so that they can use the funds to pay creditors. I just want the ability to withdraw my own money from my own digital wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
-ID Theft, Fraud -- Please help! 

Dear Sir, My name is XXXX XXXX. I have a BoA CHECKING account ending XXXX. Recently, an auto loan account suddenly emerged under my account. The suspect used the name XXXX XXXX ( different than my name XXXX XXXX XXXX, my home address and made an auto loan for $ XXXX There is nobody in my family or relatives whose name is XXXX XXXX XXXX and there nobody in my family who made this loan Bank of America keeps imposing a fake loan into my bank account : Account name : XXXX XXXX XXXX XXXX XXXX XXXX Edit account name Account XXXX Hide Loan account number Current principal balance : {$57000.00} Original loan amount : {$57000.00} Date of XXXX XXXX months This Loan account does not belong to me, however, after several times of long phone calls, BOA still put this into my account XXXX and continue to send me mails requesting for payment. Very disappointing. Request : BOA please remove this loan from my account. 

Per the mails rec 'd from XXXX XXXX XXXX XXXX XXXX, the Suspect ( XXXX XXXX XXXX also made other fraud theft including : XXXX XXXX XXXX XXXX cell phone lines from XXXX and XXXX for approximately {$100000.00} in total

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 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc
State: NC

Complaint narrative:
I have assets I purchased that are held in a BlockFi wallet. This wallet is held in my name in cold storage and is not to be used to satisfy secured creditors if bankruptcy comes. As such BlockFi has illegally and indefinitely blocked me and thousands of others from withdrawing or transferring these assets held in our BlockFi wallets as they prepare to file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc
State: TN

Complaint narrative:
blockfi is stealing my money and will not give my money back. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: CT

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX for the amount of {$780.00} reporting on my credit. This is a fraudulent account and I did a FTC report. Please review and remove this account as soon as possible.

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 2022-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have paid the full balance on my card and my money has been withdrawn from my bank account. My card shows a XXXX balance - but because I made more than one payment against the card during the billing period, and the balance was paid in its entirety, my card has been blocked until the card issuer verifies with my bank that my payment is good. This despite the fact that the transaction cleared my bank approximately one week ago.

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 2022-11-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent the credit bureas letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent the credit bureas letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies.

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 2022-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I was a customer of XXXX for about 3 years. During XXXX, XXXX experienced a data breach in XXXX of 2021. My account was affected by this breach and my personal information was compromised as well as my account. I began receiving charges I had no knowledge of. XXXX said they couldn't provide any information regarding the charges. My bill became outrageous so I switched companies. I keep tract of my identity through XXXX identity monitoring and thats when I was alerted about the data breach. It showed me that my information was compromised as well as another individual 's name being attached to my account and phone number. I do not have any knowledge of who this individual is, nor the addresses my information was used at. I looked up the XXXX address and it doesn't exist. I've disputed the debt multiple times and provided them with the information I received from XXXX and they refuse to drop the 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 2022-11-20 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian still has not resolved the previous disputes nor provided required results of investigation and has been in multiple violations of the FCRA as per attached. Experian has not paid violations invoice as attached.

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 2022-11-20 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have reached out to both the creditor and credit bureaus multiple times and I get no response from neither one.

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 2022-11-20 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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : XXXXXXXX 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

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 2022-11-20 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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This information just updated and took my credit score down saying my account was closed and its still open

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Transunion still has not resolved the previous disputes nor provided required results of investigation and has been in multiple violations of the FCRA as per attached. Transunion has not paid violations invoice as attached.

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 2022-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
After I filed a complaint with this agency over USbank not releasing my money in my closed checking account, they retaliated by closing my credit card account immediately. 

This account was a XXXX XXXX XXXX XXXX with a {$95.00} annual fee that I was charged to receive reward points but they are refusing to let me redeem the rewards points which has cash value and they also refusing to refund the annual fee that I paid for the credit card. 

Per USBANK manager over the phone, due to the way closed the account he was not able to apply my points to my statement, also not able to refund the annual fee charged for the 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 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I have received an email saying that I have created a profile money lion. I have never even heard of the this company. I called to speak with customer service which they were not helpful at all. They kept trying to get me to disclose information XXXX. full name and last 4 I did not provide any info because I felt it was a scam. The service rep said that the account was created and the only way for me to stop the account was to provide Information to stop the account. It did not sit well with me so now Im here trying to stop fraudulent activity.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief