vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-19 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: NJ

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 Account Number:XXXXXXXX 1.Validate Account XXXX XXXX XXXX Account Number : XXXX : 2.Validate Account XXXX XXXX XXXX Account Number : XXXX 3.Validate Account XXXX Account NumberXXXX 5.Validate Account XXXX Account NumberXXXX 6. Validate Account XXXX  XXXX Account Number:XXXX XXXX Account XXXX Account Number:XXXX 8.Validate Account XXXX Account Number : XXXX 8.Validate Account XXXX Account NumberXXXX 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 2022-11-19 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: FL

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 LETTERS FOR REFERENCE

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 2022-11-19 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: FL

Complaint narrative:
checking my credit report with Equifax a lot of information is invalid. I am interested in disputing all incorrect information to fix my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX US Department of Education account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-19 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:
I received several automated phone calls from number XXXX XXXX XXXX XXXX at XXXX, XXXX, XXXX, and XXXX on XX/XX/2022. The cell phone receiving these messages is my personal phone number : XXXX. I picked up the phone and a robocaller said that " Someone is trying to change my password, if this is not you, press 1. '' I pressed 1 and was prompted to enter a security code from a text message. I entered the security code, and the phone immediately hung up. This occurred several times in succession. 

Here is a picture of the caller number via screenshot https : XXXX Here is the text messages I received via screenshot https : XXXX My paypal account was hacked on XX/XX/2022 at XXXX PST and the account password was changed without my authorization. 
Photo proof : https : XXXX The unauthorized user accessed my account and all of my current crytpocurrency holdings were sent out unauthorized and without my input to an unknown individual.The fraudulent transactions are as follows. 

The paypal account id is : XXXX XXXX following fraudulent activities have been identified. 

1. 
Time : XX/XX/2022 XXXX PST Transaction ID : XXXX Amount : XXXX XXXX XXXX to : XXXX Photo proof : XXXX XXXX XXXX XXXX 
Time : XX/XX/2022 XXXX PST Transaction ID : XXXX Amount : XXXX XXXX Sent to : XXXX Photo proof XXXX XXXX XXXX XXXXXXXX XXXX. 
Time : XX/XX/2022 XXXX PST Transaction ID : XXXX Amount : XXXX XXXX Sent to : XXXX : XXXX Photo proof : XXXX XXXX XXXX XXXX 
Time : XX/XX/2022 XXXX PST Transaction ID : XXXX Amount : XXXX XXXX  Sent to : XXXX Photo proof : https : XXXX I called paypal 's help number at XXXX XXXX XXXX XXXX and was assisted by an agent to report the fraudulent activity. A photo of the case file is listed below. 
https : XXXX. 

I was instructed by the agent to change my account password and I removed all of my linked credit cards and banking accounts. I was told that they will be investigating the account and activity which may take several weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19 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: KS

Complaint narrative:
My identity was stolen and there were Three XXXX XXXX inquiries and one XXXX XXXX XXXXnquiry. I do not know if accounts were opened. I contacted all parties involved and have been told the fraudulent inquiries would be removed and as of this complaint filing the inquiries remain. Identity theft notice and police report enclosed with complaint

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 2022-11-19 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: FL

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 LETTERS FOR REFERENCE

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 2022-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened up my account and then deposit a cashiers check over the mobile deposit and it didnt work so I went into the branch and the manager at XXXX deposited it manually and then couple days later I got into an accident in my truck and I had a passenger and she took my purse and ran because I guess she had warrants and she stole the cashiers check in my purse and her boyfriend deposit it in the same bank through an ATM machine {$980.00} back in XX/XX/ and then after that every ATM withdrawal I took out using my pin two more withdraws would come out as a signature transaction every time after they took that money from my account and put it in the criminals account found out who did it put him in jail filed a police report filed 19 disputes contacted the FBI see the OCC and nobody will make them give me my cashiers check back even just a cashiers check not in addition to the {$4000.00} in withdraws that were messed up after that and it is pathetic there is no organization to even watch is what Bank Of America does I mean and Im XXXX and they kept my money for two years now 2 1/2 years and just never bother giving it back in their investigations guy he didnt even turn in the withdraws as an authorized I went to the business is where the withdraws were made and had them called her bank and they werent even turned in an authorized they were never investigated just didnt deny and nobody cares and a lot of it was because one of them was an at mobile deposit the other was a manual deposit and the other was ATM and the rest of them were ATM withdraws so they couldnt figure out how to file the dispute correctly so the investigator would understand what happened or even just bother giving my cashiers check back and nobody regulates what they do the FDIC in OCC all they did was have an arrogant guy from their investigation department call me and then a day later call me and tell me they close the claim and then they close my account after I just open that account and put it on my credit its crazy and its just criminal the fact that Bank Of America can just get away with that to a XXXX person

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 2022-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc
State: MI

Complaint narrative:
Hello, I tried to withdraw from my wallet on the BlockFi app. It has been pending for over a week and will not go through. Blockfi is not responding to any concerns regarding this. I placed my ACH transfer on XXXX XXXX 2022 at XXXX, it is for XXXX GUSD. I have not received any response or updates from Blockfi.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BlockFi Inc
State: CA

Complaint narrative:
I opened a Blockfi account on XX/XX/XXXX. I have a checking or " wallet '', a savings or " interest account '' and a credit card with this online banking service. I'm concerned that I have not received a withdrawal I made on XX/XX/XXXX yet. It's been several business days. 
I'm also concerned about my interest account, the company is in financial distress from the XXXX bankruptcy. I have an inclination that customers funds are being misused, a similar case to XXXX. 

I'm concerned about my interest account and the investor wallet ownership in cold storage ( offline ) and how those wallets are in my name in cold storage and not to be used to satisfy secured creditors if bankruptcy comes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
See previous complaint Ally failed to lower the XXXX percent interest. Ally charges excessive late fees. I worked as an essential worker during the pandemic. I am filing an employment retaliation lawsuit in less than a week. I also have mediation in my housing lawsuit against XXXX Bank with my home of XXXX years. I am represented by XXXX XXXX and XXXX XXXX for my housing case. Ally is threatening to repossess the vehicle. I have became discolored from the stress, harassment, and retaliation from working and testifying. 
Ally auto agent pressured me to make a promise when I told them I can pay at the end of the month. 
Ally calls a XXXX times XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc
State: NY

Complaint narrative:
I have money stored in a digital wallet on BlockFi. Due to recent events surrounding XXXX  bankruptcy, BlockFi paused all withdrawals on XX/XX/XXXX. I am concerned they will use my money ( and from other clients ) to satisfy creditors if BlockFi is faced with bankruptcy as well, which they have never requested nor been given my consent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-19 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: KS

Complaint narrative:
My identity was stolen and there were Three XXXX XXXX inquiries and one XXXX XXXX inquiry. I do not know if accounts were opened. I contacted all parties involved and have been told the fraudulent inquiries would be removed and as of this complaint filing the inquiries remain. Identity theft notice and police report enclosed with complaint

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 2022-11-19 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: KS

Complaint narrative:
My identity was stolen and there were Three XXXX XXXX inquiries and one XXXXXXXX XXXX inquiry. I do not know if accounts were opened. I contacted all parties involved and have been told the fraudulent inquiries would be removed and as of this complaint filing the inquiries remain. Identity theft notice and police report enclosed with complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: Convergent Resources, Inc.
State: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Informatio In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; it is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions Bank incorrectly reported a 30 day late payment on my credit card. I went to a regions branch and the bank manager opened an investigation. I then received a letter from regions that the information was reported in error and they would update the information with XXXX, XXXX and XXXX. They never did.

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 2022-11-19 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: GA

Complaint narrative:
I have been working on my credit report every year. Each year I have had fraudulent activities and I have been submitting a police report, highlighting the items that do not belong to me, requesting all personal identifiers, addresses, and company information that does not belong to me be removed. I have made all of the necessary changes in that each credit bureau gets the proof of what they need. I dispute the items, the items are removed, and a debt collector purchases " my so-called debt '' and it is again put back on my credit report. I have called each agency including XXXX about suppressing my information and without my written consent should not allow these data furnishers to add information or not to provide incorrect information to my credit report. XXXX, XXXX, TransUnion, and 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 2022-11-19 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: Paypal Holdings, Inc
State: VA

Complaint narrative:
I purchased an item with my PayPal XXXX on XX/XX/22 for {$110.00} Transaction ID XXXX After going back and forth with the seller for a month, the product never arrived. I requested a refund from paypal because the item never arrived. There was supposed to be a signature required with delivery. No delivery or signature. 

On XXXX I requested a refund due to fraud. The website says it will take XXXX business days. 

On XXXX I provided additional information Paypal will not refund my money. XXXX and XXXX said it would take a month. XXXX then said XXXX days. Now XXXX says it will take up to 90 days. 

This is obvious fraud by the seller and Paypal is letting the get away with it by not refunding my money. Will you please help me get my money back? Its now 12 days since I notified them that this is fraud and they still haven't returned my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-19 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
ACIMA DIGITAL FKA SIMP did not give an initial nor annual notice nor disclosure that I had a right to opt out. The Gramm-Leach Bliley-Act states I have a right to not have my non public personal information shared especially resulting from transactions such as Collections pursuant to 15 U.S.C 6809 ( 4 ) ( A ) .Acima Digital FKA SIMP, its partners and affiliates that I am now opting out from my non public personal information being shared with nonaffiliated third parties such as XXXX, XXXX, XXXX and any other credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc
State: CA

Complaint narrative:
BlockFi stopped all withdrawals due to their involvement in the XXXX debacle on XX/XX/2022. BlockFi have kept their costumers in the dark regarding what is being done with their assets ( are they still there? Have they been sold off?, etc. ) Tried to withdraw my assets and are currently " pending ''. Nothing has been done to keep us informed of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
TransUnion has a bunch of incorrect address, names and phone numbers that I have never been associated with, this I consider to be slanderous or offensive. the AKA names are both incorrect and either mesh my name with my siblings name or just outright misspell it. On top of all of this I have never signed an XXXX XXXX form with this XXXX XXXX XXXXXXXX XXXX, this form is to prevent or limit the misuse of anyone 's social security numbers.

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