vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Coinbase, Inc.
State: CA

Complaint narrative:
My Coinbase debit card was stolen and used unauthorized online on XXXX. 
I reportedit immediately. 
They opened cases for each claim and so far denied XXXX claim. 
Case numbers are. 
Case # XXXX Case # XXXX Case # XXXX Case # XXXX Merchant name : XXXX XXXX -Date/time of transaction : XXXX transactions. 
XXXX XXXX XX/XX/22 XXXX XXXX. XX/XX/22 XXXX XXXX. XX/XX/22 XXXX XXXX pm XX/XX/22 -Transaction XXXX transactions XXXX {$260.00} XXXX {$260.00} XXXX {$260.00} XXXX {$260.00} -Dispute amount ( must include original transaction amount ) : {$1000.00} -Was your physical card compromised? Yes -Is the card still in your possession? No -Was this a recurring payment? No -Have you purchased from this merchant in the past? No -Have you tried to contact the merchant to resolve? Yes -What merchandise or service ( please provide a detailed description ) was ordered and when was it expected to be received?? None

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: TN

Complaint narrative:
I did not consent to or benefit from the following information : Transunion, XXXX, & XXXX listed on my consumer report, block or remove the following account XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed your are civilly liable for reporting the information and its also inaccurate.

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 2022-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX XXXX I sent {$390.00} to a friend on Venmo so that he could pull it out of the ATM for me. After the money was sent, he noticed that he could not access his account. After several attempts I decided to try to have the transaction reversed or refunded via Venmos customer support. They confirmed that the funds were sent and received and informed me that he would have to give permission for them to refund or reverse the transaction. He attempted to do so several times and they closed his account for reasons they would not explain. When I contacted them to see what I was to do to retrieve the funds they, with no explanation closed my account permanently, and " would not respond to any further inquiries about this transaction. '' I've tried repeatedly to contact them and speak with someone to no avail, and the {$390.00} of mine are still in Venmos possession. They continue to hold my money and refuse to respond to any attempts that I make to retrieve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is purposely NOT helping me with my credit inquiries. I keep getting letters like this, even though I ; 've sent in mutipal times ALL of my ID + more then they ask for.

This letter is just another example of their XXXX. 

I'm asking CFPD to step in ASAP and get them to STOP sending these letters and also REMOVE the account in question from all my previous complaints.

I'm living in XXXX XXXX thus I have help from a counselor here at a men 's selter ( like today ) to get paperwork sent in. 

I've been dealing with this since XXXX of this year. WAY TOO LONG for a person to be going through a VERY bad time. 

Yes, I'm depressed and genuinely wish I were dead because of their LACK of help on this. 

WILL SOMEONE DO SOMETHING TO HELP ME OUT!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is purposely NOT helping me with my credit inquiries. I keep getting letters like this, even though I ; 've sent in mutipal times ALL of my ID + more then they ask for. 

This letter is just another example of their XXXX. 

I'm asking CFPD to step in ASAP and get them to STOP sending these letters and also REMOVE the account in question from all my previous complaints.

I'm living in XXXX XXXX, thus I have help from a counselor here at a men 's selter ( like today ) to get paperwork sent in. 

I've been dealing with this since XXXX of this year. WAY TOO LONG for a person to be going through a VERY bad time. 

Yes, I'm depressed and genuinely wish I were dead because of their LACK of help on this. 

WILL SOMEONE DO SOMETHING TO HELP ME OUT!!!!

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 2022-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Bread Financial XXXX Comenity Bank has been unable to accept payments or balance and statement requests through their online website since approximately XX/XX/2022 due to an outage from a planned upgrade. The provider has been making claims on social media that other avenues to make payments and check balances are available, however, this has not been my experience. Second to that, the provider has attempted to deflect attention by claiming this was a planned outage and when confronted with questions regarding whether or not this was ransomware, they have vehemently denied. Financial institutions are required to notify consumers of planned outages, are required to perform regular backups of systems so that outages are temporary transient events not weeks long, and submit notification within XXXX hours of any cyber events to federal regulators. None of these steps have occurred, and consumers have been left with cards they can not pay and vague assurances from Bread Financial on social media that their credit scores wont be impacted negatively. To date, no formal notification of the outage, presumed XXXX, or steps consumers can take has occurred, which would be expected in the case of a ransomware attack, as Bread Financial has no ability to roll back ( depending on when the intrusion occurred ), or access their systems to provide notification.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-03 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: MA

Complaint narrative:
Its showing on Experian a account which a repeatedly told them that I do not have this account anymore, I am authorizer user in this account on XXXX XXXX XXXX and I called Experian more than XXXX times and nobody has been able to help me. so please I need to someone to look into this account and take it off because I do not have this account anymore. 

the inaccurate information is from XXXX XXXX XXXXXXXX amount of {$16000.00}. I do not have this account anymore

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 2022-07-03 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: TN

Complaint narrative:
I did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account XXXX  XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: GA

Complaint narrative:
CFPB complaints on complaint numbers ; EXPERIAN- XXXX XXXX These 3 Credit Reporting Agencies are are now in violation of 15 U.S. Code 1681c-2 - Block of information resulting from Identity Theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later then 4 days after the receipt by such agency of- Companies says that they never recieved a FTC report when a copy is obviously attached to and submitted to the complaints.

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 2022-07-03 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:
I believe that Experian 's membership program for fetching and managing credit reports has a security vulnerability that is actively being exploited to steal Experian accounts without the use of passwords, security pins, and other security measures. 


I personally have had my experian membership information changed by a hacker 3 times in the last month. 


Wed, XX/XX/XXXX, XXXX PM Thu, XX/XX/XXXX, XXXX AM Thu, XX/XX/XXXX, XXXX AM Each time I contacted Experian and recovered my account, then prompt changed the password to a uniquely generated 15-character string. That password is then stored encrypted in a password wallet. Likewise for my security pin and other security information.

It is incredibly unlikely that a hacker would have access to that changed information each time, without also compromising my entire online identity. Yet my XXXX  and XXXX accounts remain safe, as well as all other accounts. 

I am not alone as this is happening to others XXXX XXXX XXXX_experian_XXXX XXXX XXXX XXXXexperianXXXX XXXX XXXX XXXXexperiansXXXX/ XXXX XXXX XXXXexperianXXXXXXXX Experian 's inability or unwillingness to find and fix this security issue on their site puts millions of americans at harm, promotes credit fraud and worse of all, the hackers can request the credit report through the site, then getting even more personal details on the customer with which to launch other attacks. 

I have called Experian on the third time to let them know that this is a serious issue, and I believe the CFPB should also take this seriously. There are likely thousands of victims who are not tech savvy enough to know they are compromised.

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 2022-07-03 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: TN

Complaint narrative:
I did not consent to or benefit from the following information : Transunion, XXXX, & XXXX listed on my consumer report, block or remove the following account XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.

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 2022-07-03 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: TN

Complaint narrative:
I did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account REGIONSBANK XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/2020, I used PayPal to receive a direct deposit for my XXXX XXXX, of {$4800.00}. 
My account was permanently limited by PayPal with no explanation apart from telling me, can get my funds after 180 days. 
It has now almost XXXX years, have called PayPal several times to release my funds to no avail. 

At XXXX point they told me that they have released my funds and can go right ahead and withdraw. I quickly logged in and tried. each time I click transfer funds i got messaged 'there is nothing to transfer ' despite my XXXX been available. 

I called PayPal several times again until XXXX of the customer support said there is nothing I can do as funds are locked. 
PayPal want to get my funds. help me get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have actively said, showed proof of fraud and identity theft by dark web of hard inquires on my 3 credit bureau 's along with one fraud account with XXXX and XXXX. I was notified and contact by my bank who were the ones that identified the situation and put it to a stop. 

The police on site said since their was no money physically taking which was a good thing their was no need for a police report or investigation. Before that I only check my credit report if i ever file for something or once every 2 to 3 years.

For some reason the credit bureau 's are saying one thing compared to what the creditors are telling me. I need this fixed asap as this is the first time in XXXX this has ever happened to me and I been following every steps that my banks and credit agencies have been telling me for 2 months now. 

As far as changing bank account numbers and all credit card and debit info, fraud alerts and identity theft reports. Please help as this is drastically effecting my great credit scores I first reported XX/XX/XXXX then on XX/XX/XXXX to all credit bureau 's. Please help me

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 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have actively said, showed proof of fraud and identity theft by dark web of hard inquires on my 3 credit bureau 's along with one fraud account with XXXX and Experian. I was notified and contact by my bank who were the ones that identified the situation and put it to a stop. 

The police on site said since their was no money physically taking which was a good thing their was no need for a police report or investigation. Before that I only check my credit report if i ever file for something or once every 2 to 3 years.

For some reason the credit bureau 's are saying one thing compared to what the creditors are telling me. I need this fixed asap as this is the first time in XXXX this has ever happened to me and I been following every steps that my banks and credit agencies have been telling me for 2 months now. 

As far as changing bank account numbers and all credit card and debit info, fraud alerts and identity theft reports. Please help as this is drastically effecting my great credit scores I first reported XX/XX/XXXX then on XX/XX/XXXX to all credit bureau 's. Please help me

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 2022-07-03 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: GA

Complaint narrative:
CFPB complaints on complaint numbers ; XXXX XXXX XXXX These 3 Credit Reporting Agencies are are now in violation of 15 U.S. Code 1681c-2 - Block of information resulting from Identity Theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later then 4 days after the receipt by such agency of- Companies says that they never recieved a FTC report when a copy is obviously attached to and submitted to the complaints.

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 2022-07-03 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: GA

Complaint narrative:
CFPB complaints on complaint numbers ; XXXX XXXX EQUIFAX-XXXX These XXXX Credit Reporting Agencies are are now in violation of 15 U.S. Code 1681c-2 - Block of information resulting from Identity Theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later then 4 days after the receipt by such agency of- Companies says that they never recieved a FTC report when a copy is obviously attached to and submitted to the complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: FL

Complaint narrative:
In Accordance with the Fair credit reporting Act, National Credit Adjusters, ( Account number XXXX ), XXXX XXXX XXXX, ( Account number XXXX ), XXXX XXXXXXXX XXXX XXXX  ( Account number XXXX ), XXXX XXXXXXXX XXXX  XXXX XXXX Account number XXXX ), XXXX XXXX XXXX  XXXX XXXX Account number XXXX ), XXXX XXXX XXXX XXXX XXXX Account number XXXX ), XXXX XXXX XXXX XXXX XXXX Account number XXXX ), XXXX XXXX XXXX ( Account number XXXX ), XXXX, ( Account number XXXX ), XXXX, ( Account number XXXX ), XXXX, ( Account number XXXX ), XXXX, ( Account number XXXX ), XXXX, ( Account number XXXX ), Has violated my rights. 

15 usc 1681 section 602 ( A ). States I have the right to privacy. 

15 usc 1681 section 604 ( A ) section 2, also states a Consumer Reporting Agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation