vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: AL

Complaint narrative:
Over the course of a year I have been unsuccessful even with valid documents getting the credit reporting agencies to block and remove fraudulent accounts as identity in USCS 15 1681C-2. Equifax does not abide by the FCRA Laws and are mis representing the laws as well as disregarding the Laws in removing fraudulent accounts, EQUIFAX AND XXXX ARE USING THERE POLICY 'S AND PROCEDURE INSTEAD OF What's In THE LAWS STATES, I FILED SEVERAL COMPLAINS, WITH XXXX, EQUIFAX NAMELY TO Block THESE FRAUD ACCOUNTS BUT WAS TOLD THAT MY POLICE REPORT AND IDENTITY THEFT AFFIDAVIT IS NOT VAILD AND I WAS REJECTED AID AND ASSISTANT BY BOTH REPORT AGENCIES. I ask that XXXX AND EQUIFAX HAVE Stiff FINES AND PENALTIES Imposed AS IDENTITY BY THE FCRA LAWS I HAVE ATTACHED ALL EXHIBITS TO THIS COMPLAIN TO REFLECT THE SAME IT A XXXX XXXX THAT I HAVE TO GO THROUGH THIS WHEN ITS CLEARLY STATED BY LAWS PLEASE THAT I ASK THAT XXXX AND EQUIFAX BE FINED INDEFINITELY PLEASE. Also tl not the only customer that's been done this way I'm not going for it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: PA

Complaint narrative:
I wanted to learn about trading and investments. I was recommended to get in contact with this firm. 
XXXX was my personal consultant. 
She was very nice and helpful in the beginning. 
When I finally made some Money and wanted them out from them-I started getting those excuses and lies about the reason why my money still didnt hit my bank account. 
First, they made me to pay {$5700.00} taxes which they got within three hours. They promised that my money will be on my account after that within a few hours as well. 

Its been a week since I cant the money out. They froze somewhere. No one can tell me the truth. XXXX, XXXX, XXXXall those people cant help me and kept promising that it takes time. 
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 2023-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/23 PayPal put a limitation on my account that I have had with them for several years. I used it to do a secure purchase to buy from XXXX XXXX for {$470.00}. PayPal refunded the purchase so I am not getting the product I ordered, and I am being told I will not be able to access that money for 180 days. I spoke with a customer service representative and she was not helpful. Her supervisor was even less so, claiming they could not give a reason as to how I supposedly violated their terms of service. They have given me nothing in terms of resolution. I am being told there is no way to dispute their " limitation '' of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On a consistent basis Truist continues to take money out of my account in multiple fees per day. I look at my account all day and my account is always 90 per cent of the time in the positive before I go to sleep. When I wake they have stolen hundreds. In XXXX alone I have 25 or more fees. I gave the cash app transactions to show XXXX deposit all money the moment it is overdrawn. I also have the time frame resulting in no reason for the fees. Given the current banking situation I dont keep a lot of cash in the bank sitting but I can always transfer with the touch of a button. Like I say. I have the time of transfer. When night comes they go in and I dont care if I transferred my money at XXXX am. They still give me a fee. Something is not right if one person has 20 or 30 fees a month. Someone is stealing and its not me. I think I am a target. I am crying and broke and not working! They should be ashamed. I am suing them. I have my cash app statements with the times of the deposit. Any one can look and see this is theft. If I was so overdrawn and all the fees are legitimate then how am I staying out of overdraft? How could I pay the amount and the fees? Because I have pawned everything I gave to give to the thieves. I need help asap!!!!

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 2023-04-21 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:
Identity Theft Police Report and False impersonation was filed with local police department XXXX  For Deceptive Collections Practice False impersonation. All verified and certified original documents sent to all 3 # Credit Agencies. And all 3 # TransUnion, XXXX, XXXX have not complied with the FCRA nor the CFPB.And a result of these agencies neglection to abide by federal law guidelines, I have dealt with denial 's, of bank 's, Home loans, and business credit lines do to the rogue ness of these agencies.Knowledge of these fraudulent Verified Accounts where found XX/XX/XXXX and I personally started to contact all 3 # agencies with my findings and correct information XX/XX/XXXX identity theft Cpbf FCRA and Police reports where certified and express mailed to all 3 # credit agencies neglection. I continued to follow up from XX/XX/XXXX to XX/XX/XXXX with certified mail of cease and desist letters police reports Cpbf reports and identity theft reports. Failed to complied. All documents are certified and copied of all activities with TransUnion, 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 2023-04-21 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:
Identity Theft Police Report and False impersonation was filed with local police department XX/XX/XXXX For Deceptive Collections Practice False impersonation. All verified and certified original documents sent to all 3 # Credit Agencies. And all 3 # XXXX, XXXX, Equifax have not complied with the FCRA nor the CFPB.And a result of these agencies neglection to abide by federal law guidelines, I have dealt with denial 's, of bank 's, Home loans, and business credit lines do to the rogue ness of these agencies.Knowledge of these fraudulent Verified Accounts where found XX/XX/XXXX and I personally started to contact all 3 # agencies with my findings and correct information XX/XX/XXXX identity theft Cpbf FCRA and Police reports where certified and express mailed to all 3 # credit agencies neglection. I continued to follow up from XX/XX/XXXX to XX/XX/XXXX with certified mail of cease and desist letters police reports Cpbf reports and identity theft reports. Failed to complied. All documents are certified and copied of all activities with XXXX, Equifax, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: WA

Complaint narrative:
I legally changed my name and sent Experian the requested name change documentation. 

They successfully changed my name, but are now reporting on their website that I have no credit history. 

I have attempted through several disputes via e-mail to resolve this situation. Experian directed me to call their National Consumer Assistance Center. 

I called the National Consumer Assistance Center and was on the hold for over an hour. They directed me to a person who said that the National Consumer Assistance Center saw no problems with my credit report, and that it showed I had a long and excellent credit history. The person at the NCAC attempted to direct me to someone back at Experian, and Experian hung up on me and did not call me back. 

I opened another dispute asking them to resolve the issue instead of directing me back to the NCAC. They didn't even read the dispute message, and directed me back to the NCAC. They seem to refuse to resolve this problem.

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 2023-04-21 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:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  : Account # XXXX XXXXt : Account # XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX  XXXX : Acc # - XXXX XXXX  : Acc # - XXXX XXXX  XXXX : XXXX XXXX  XXXX : XXXX 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following itemsof information any other adverse item of information other than records of convictions or crimes which antedates the report by seven years.

15 USC 1681s -2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Recently I have noticed a flood of late payments on my account. Along with closed accounts that are not mine. They come from about 3 maybe 4 different companies. I have disputed these accounts as they are fraudulent and this information is inaccurate. The credit reporting agency state they are not familiar with these laws and do not base their decision on laws. Fraud or not. Please assist if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: TN

Complaint narrative:
I submitted a dispute for an account on my credit that I do not own. I do not have a signed contract with XXXX XXXX XXXX, nor has any documentation been provided. They have never loaned me any money. This account needs to be removed from my credit immediately.

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 2023-04-21 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
PayPal Credit in coordination with Synchrony Bank recently submitted me to collections asserting that I never made payments on a purchase that I made on XX/XX/. Not only did I pay off this debt TWICE ( proof will be attached ), but both PayPal Credit and Synchrony Bank refused to allow me access to my online account to obtain the necessary information to prove that I did pay this debt, and now I've paid in twice to get it off my credit score. This has negatively affected me as I was attempting to obtain a loan, which I did not get, and I have spent HOURS ON THE PHONE ONLY TO BE RIDICULED BY THEIR EMPLOYEES AND GASLIGHTED. This caused me extremely emotional and financial distress. Not only do I want a refund of my money, but I also want my credit fixed. I am a single mother who works very hard and pays all of my bills on time. I do not get reported to credit agencies for delinquent payments as I generally set up autopay. Now my credit went down by XXXX points and I can not obtain a loan. This bank needs to be punished and they need to rectify my situation.

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 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MoneyLion is a financial technology company, XXXX XXXX XXXX XXXX XXXX XXXX, Member FDIC. 


I HAVE A ISSUE MONEY LION SAID THEY FOUND NO ERRORS LIKE OF COURSE MY BANK WOULDNT SEE WHATS WRONG I WENT ON XXXX XXXX TO REQUEST A HOTEL FOR ME AND MY WIFE HONEYMOON BUT WHEN I GOT THE HOTEL THEY ASK ME FOR MY ID WHICH I FORGOT AT HOME THEY TOLD ME I COULD COME BACK WITH THE ID AND CHECK IN AND I TOLD NO THX I WANT A REFUND THEY SAID DUE TO THEIR POILCY THEY CANT ISSUE A REFUND EVEN THOE I HAVENT CHECKED WHICH I USE XXXX XXXX SO I COULD CANCEL MY Reservation. AT ANYTIME SO I CONTACTED CUSTOMER SUPPORT TO WHICH EVEN THOE I HAVE THE CANCELLATION FOR REFUND FOR ANY REASON THEY COULDNT ISSUE A REFUND ANF THE HOTEL TOLD ME I HAVE TO TALK TO THE BANK FOR A REFUND SO I SUBMITTED A DISPUTE SENSE I DIDNT GET MY MONEY BACK AND WAS LIED TO AND DIDNT GET MY HOTEL ROOM AT ALL I WAITED 3 MONTHS FOR THE DISPUTE TO BE COMPLETED TO GET MY MONEY BACK BUT TO MY SUPRISE MY BANK WHICH IS MONEYLION DECIDED DENY MY DISPUTE SAYING NO ERROR HAS OCCURRED IMAGINE IF YOU WERE IN MY SITUATION AND YOU LOSS EVERYTHING TO YOU WOULD BE XXXX XXXX TO I SAVE UP THAT MONEY FOR ME AND MY WIFE HOTEL FOR THE HONEYMOON AFTER THE WEDDING WE HAD TO WHERE WE WERE LIED TO BY XXXX XXXX REJECTED A ROOM SENSE WE DIDNT HAVE A ID and FOR MY BANK TO REJECT MY REFUND REQUEST LIKE HOW IS THIS EVEN OKAY AT ALL IF YALL EVEN HAVE A HEART YOU WOULD APPROVE MY request i WORKED HARD FOR MONEY LIVING PAYCHECK TO PAYCHECK ONLY WORKING FOR A FEW HOURS TO MAKE A LIVING AND STUFF ITS NOT FAIR THAT THE HOTEL GOT TO KEEP MY DEPOSIT AND XXXX XXXX LYING THEY NEVER TOLD ME ANYTHING ABOUT WHEN THE TIME REACH XXXX the cancel for any reason is no longer available they had me on long waiting time to reach customer support 5 hours and came up with Alot XXXX  excuse and my bank refuses to see anything wrong I want my bank to issue me my dispute of {$110.00} back to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: OH

Complaint narrative:
I put in a request to update my credit report status to paid as agreed with no late payments reported back on XX/XX/ and I have not received a conclusion to my dispute. No correspondence by email nor mail and it is a clear violation to FCRA with investigating my dispute in a timely matter.

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 2023-04-21 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: HI

Complaint narrative:
According to the Fair Credit Reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX. XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have 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 consumerreporting agency can not furnish a account withoutmy written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reportingagency may make any consumer report containing any of thefollowing items of information Any other adverse item ofinformation, other than records of convictions of crimes which use to antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish anyinformation relating to a consumer to any consumer reportingagency if the person knows or has reasonable cause to believe that the information is accurate.

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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Delete fraud alerts and extended fraud alerts from my Experian and XXXX Experian : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 
XXXX : XXXX XXXX. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I noticed a renewel charge for XXXX XXXX in the amount of {$210.00} charged to my card on XX/XX/XXXX. I have not been to XXXX XXXX in over a year and did not authorize any renewal services. I was unable to get through to XXXX XXXX, so I disputed the charge on my American Express portal page. American Express sent me an automated response saying they would not reverse the charge. I have never had this happen with any other reputable credit card. American Express should reverse the charge if I do not recognize it, especially since it is some renewal service charge, I did not even go out and purchase anything. It's not like this is for some TV I just bought, or an online purchase.

Company response to consumer: Closed with explanation