vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-15 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  Account XXXX XXXX # XXXX, XXXX XXXX # 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 2022-05-15 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: The Aligned Company DBA Extra
State: IN

Complaint narrative:
There is an account on my credit report Extra that does not belong to me. I contacted the credit bureau XXXX with a dispute. They supposedly investigated and the company told them it was my account w/o any proof. 

I called XXXX and was told that my next step would be to file a complaint with the FTC. 

This Extra account started showing up on my credit report in XX/XX/XXXX with a XXXX balance but since XX/XX/XXXX it shows a balance of {$25.00}. Im concerned about this fraudulent account that somebody is trying to get loans in my name. This is NOT my account. I tried to contact Extra. They have a California address and a New York phone number. When I called the phone number I got a voicemail wanting me to leave detailed information about myself w/o being able to talk to a person. 

Please investigate and get this removed from my name and my credit reports.

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 2022-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Circle Internet Financial
State: OR

Complaint narrative:
USD Coin - USCD for short - is a supposed " XXXX '' issued by XXXX for use in buying and selling cryptocurrency. 

XXXX as a company has raised {$1.00} XXXX dollars in 11 rounds of backing. 

However, they have issued {$51.00} XXXX of USD Coin. 

They claim that each USD Coin is worth {$1.00}, and : " USDC is fully backed by cash and short-dated U.S. government obligations, so that it is always redeemable 1:1 for U.S. dollars XXXX Each month, we publish attestation reports by XXXX XXXX regarding the reserve balances backing USDC. " Where did the other {$50.00} XXXX that they purportedly have come from? They haven't raised anywhere near that much from investors. 

XXXX XXXX claims to attest to the value of their accounts every month, but XXXX XXXX has a history of deficient audits going back to at least 2005. And they are not, in fact, auditing their accounts- only attesting to them. 

I am not sure how it is possible for them to really be backed by {$51.00} XXXX when they have raised {$1.00} XXXX, and it smacks of an obvious scam- they have " minted '' over {$50.00} XXXX in this " coin '' off of a {$1.00} XXXX investment. 

Moreover, some crypto websites offer 9 % APY if you hold USDC, such as XXXXr - and USDC itself previously offered very high APY before cutting it. 

All of this smacks of a fraudulent scheme, where people purport to have something equal in value to {$1.00} USD, but it is not. This allows them to trade their worthless " coins '' for other forms of cryptocurrency, which they can then sell for cash. 

All of this is on top of the obvious fact that there is no reason for a " stablecoin '' to exist at all- if a stablecoin is worth {$1.00} USD, why would you ever not just keep {$1.00} USD, like people do with stock brokerage accounts? 

The only reasonable answers to this is that the {$1.00} USD that supposedly backs these coins doesn't exist, or that you are doing something illegal with this supposed " money '' that you couldn't do with actual US currency.

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 2022-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I have transferred an amount of money to my brother in XXXX, XXXX for medical expenses through " MoneyGram '' on XXXX XXXX, 2022, and was promised to be available in a few minutes or in the same day, but in fact, all MoneyGram locations in the city ( XXXX, XXXX ) says there is an issue for receiving transfers from " MoneyGram '' and that is the status since XXXX weeks ago until today XXXX XXXX, 2022, my brother in XXXX not able to pick up or receive the amount of money transferred. 

Their customer service wasnt helpful in solving the issue, so I gave up on their service, and I am going to cancel the transaction, but they are not going to refund me the fees! which I have paid for a service that I haven't received! and in addition to that, they have caused harm by not delivering the amount as promised!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-15 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 XXXX  Account XXXX XXXX # XXXX, XXXX XXXX # 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 2022-05-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, XXXX XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: 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 XXXX XXXX Account number XXXX, has violated my rights. This account is not mine and is reporting in error. I was not notified of any negative information on my report. Delete for inaccuracy because date of last active is incorrect because this account is not mine. Delete for violation of 15 U.S.C 1681.

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 r easonable cause to believe that the information is inaccurate.

15 U.S.C. 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently obtained a copy of my credit report and saw that you are reporting inaccurate and incorrect information in the personal information section of my credit report. To diminish any speculation my information is as follows : Name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them Address : XXXX XXXX XXXX XXXX, PA XXXX Please be sure that my address is listed correctly. 

Employer : XXXX XXXX XXXX XXXX ss # : 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 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently obtained a copy of my credit report and saw that you are reporting inaccurate and incorrect information in the personal information section of my credit report. To diminish any speculation my information is as follows : Name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them Address : XXXX XXXX XXXX XXXX, PA XXXX Please be sure that my address is listed correctly. 

Employer : XXXX XXXX XXXX XXXX ss # : 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 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently obtained a copy of my credit report and saw that you are reporting inaccurate and incorrect information in the personal information section of my credit report. To diminish any speculation my information is as follows : Name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them Address : XXXX XXXX XXXX XXXX, PA XXXX Please be sure that my address is listed correctly. 

Employer : XXXX XXXX XXXX XXXX ss # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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 XXXX XXXX Account number XXXX, has violated my rights. This account is not mine and is reporting in error. I was not notified of any negative information on my report. Delete for inaccuracy because date of last active is incorrect because this account is not mine. Delete for violation of 15 U.S.C 1681.

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 r easonable cause to believe that the information is inaccurate.

15 U.S.C. 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Name being used to open credit card by ex-wife XXXX XXXX Capital one credit card She has done it before XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received my fax refund check from the IRS and deposited it into my US Bank account promptly. US Bank placed an extended hold on the funds from my check. Several days after depositing the check into my account I decided to use the XXXX feature from inside my US Bank account mobile app. I tried to send my brother {$2000.00} as a wedding gift, as he was just married. US Bank prevented the transaction, after which US Bank disabled my access to my online banking and froze my account. I contacted the fraud department and confirmed the recent activity as legitimate, however the representative stated that the account would remain frozen as it is pending closure due to suspicious activity. Obviously since I just confirmed the activity as legitimate the activity is not suspicious, US Bank is attempting to without my money from me as it has placed an extended hold on the funds and froze the account, the funds will clear and post as they were intended to on XX/XX/2022, however I will not have access to them because the bank has taken the actions that it has. This has caused me extreme financial hardship as I do not have access to my money.

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 2022-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Last XX/XX/2022 PayPal permanently close my account. I believe that it was a mistake to close my account because I am using it for online business ( Selling stories, typing jobs ) to sustain our financial needs especially my son because I'm a single mom. My PayPal account ( XXXX ) has a stucked funds in it that I have to withdraw asap for my son 's XXXX birthday and other emergency purposes. I am hoping that you could help me to get back my account and able to withdraw my money. 
Thank you so much and God Bless. 

Kindly see attached file for verification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: AK

Complaint narrative:
I have been using PayPal for few years now until recently they decided to permanently limit my account for 180 days with some dollars in it. They later asked me for documents to verify my identity of which i sent and they sent me an email that they have approved my documents. Surprisingly enough they did not lift my ban because I can not transact. It was very unfair limitation and I needed the money urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: IL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX and 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-05-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-05-15 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: IL

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 2022-05-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have 42 hard inquiries most of them werent authorized but besides the point the number of hard inquiries is not reporting ACCURATELY across all 3 bureaus. This is stopping me from a fair/accurate credit report.

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