vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc.

Complaint narrative:
Im victim of a Paxful.com scam. Been registered for more than 2 years. I got a email on the XX/XX/2023 that my account is freezing with more than XXXX $ bitcoins raison for having multiple account which is fake. And support says it could be resolved with no deadline stated which can be in a month, a year or never. After many check on the internet I noticed many same complaints from this company Paxful.com precisely on account with huge balance. Due to this Im living misery with unpaid bill, famine and I even lose my mom in a surgical operation because I couldnt afford money on time since it was freezing by Paxful.com. They are trying to scam people hard end money in a legit way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: DE

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, 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: OK

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, has violat

ed 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. 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 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 2023-02-12 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: OK

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, 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.

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 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts has violated my rights, XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX Bank # 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 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 2023-02-12 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: VA

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account XXXX XXXX Account Name : XXXXXXXX XXXX Account XXXX XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

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 2023-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have held and account with PayPal for a number of years. My account was set up as a business account, because I was initially planning to start a business. That business never got off the ground. Therefore, I have never once used PayPal for a business transaction. I have used it as a payment utility, for internet security, and to transfer money between myself, family and friends. 
On XX/XX/XXXX, a friend who had come into some money, knew that I was having some financial difficulties, and offered a gift of {$10000.00}. I accepted. He asked how best to provide me with the funds, offering a check etc, but I suggested PayPal because they do not charge any fees for money transfers between friends and family. 
He tried repeatedly to make the transfer, but it wasn't working, so he offered a check instead, and I asked him to give it another try, and it finally went through. The following day, I found that PayPal had taken {$290.00}. And labeled the transaction a " purchase of goods or services. '' It was no such thing, and even though my account has clearly never once been used for business, they have refused to even consider my appeals. They have effectively robbed me. There was no credit or anything else other than the transfer that I have always been able to do without fees in the past. Not until there was a substantial sum of money passing through my account did they tack on an exorbitant fee. I needed every penny of that money, and would never have even considered using PayPal had I not believed it could be done at no charge. Thus far, my appeals have fallen on deaf ears. I hope that you can help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-12 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: SC

Complaint narrative:
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, an a respect for the consumers right to privacy.

Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates.

Reporting information with actual knowledge of errors, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonably cause to believe that the information is inaccurate.

I have reached out to each reporting agency for a resolution but was not able to achieve one. 

In accordance with the Fair Credit Reporting act. The List of Hard Inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Hard Inquiries that needs to be removed. 
XXXX XXXX XXXX XXXX, XXXX. Someone hacked into my account and tried to apply for a credit card, XXXX XXXX XX/XX/XXXX, Someone used my SS to try to apply for a credit card. 
XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX XXXX  XX/XX/XXXX not mine XXXX XXXX XXXX XXXXXX/XX/XXXX not mine 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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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 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 2023-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SD

Complaint narrative:
I tried signing up multiple tes for my stimulus pandemic relief fund im Renewable rescourse through water wind and need some assistance to complete getting a secure phone and data plan XXXXXXXX XXXX  XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: TX

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 3 accounts were disputed to TransUnion that the accounts on my credit report are reporting inaccurately. Transunion is in violation of the FCPA for not entering the notice of dispute 30 days after the account or item is disputed. After months of bringing it to the attention of Transunion of the violation, they refuse to delete the inaccurate accounts off my credit report. FCRA 623 ( a ) ( 3 ) states once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. Transunion has sent a response that their records show that they previously completed an investigation and that the accounts were verified. I did not request the accounts be verified. For Transunion 's non-compliance of the FCRA, I am aware that Transunion may be sued by me, the FTC, CFPB, and state governments of a maximum penalty of {$4000.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 62. A copy of the complaint will be sent to the FTC and the Texas Attorney General.

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 2023-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
A Bank Of America card has tried to be open multiple times under my name. I have not applied for any Bank of America Credit Cards. Ive received letters regarding the attempts to open these credit cards. I have called my local county police and made a report and also spoken to Bank Of America. Recently I received mail regarding an XXXX XXXX XXXX account that was open under my name as well that I did not open. I followed up with the police and XXXX XXXX XXXX  as well to report Identity Theft.

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 2023-02-12 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: V and H Portfolio
State: SC

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.

VANCE & HUFFMAN LLC : 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 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 2023-02-12 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: VA

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

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 2023-02-12 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: VA

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX  Account Name : XXXX XXXX  Account XXXX XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX charged me for a purchase XXXX on XX/XX/XXXX the item was returned and refund processed on XX/XX/XXXX. XXXX then went and fraudulently without my consent recharged my account on XX/XX/XXXX for XXXX and Ally said that I got a refund which was not true the second charge was never authorized by me and should not have been taken from my account. 

I have been trying to work with Ally about a XXXX charge which was fraudulent the merchant never sent anything but stole my money Ally said they were looking back into it and failed to attach see pictures where they said I can not get product or money as Ally failed to protect me this purchase was in XX/XX/XXXX XXXX XX/XX/XXXX ally also blocked me access to statements and funds when tried to withdraw

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 2023-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
ADVERSE ACTION DENIAL LETTER : OFFER REJECTED : Discrimination An application was submitted to Affirm for an extension of credit for household purposes. As the applicant, I was denied due to Discrimination for exercising my right in good faith under the Consumer Credit Protection Act. It is IMPOSSIBLE for a consumer report to reflect my credit worthiness because I exercise my right to PRIVACY under the Fair Credit Reporting Act 15 usc 1681a. My credit worthiness is not affectively reflecting in this consumer report, and I have several other things that can vouch for me to be credit worthing for this transaction. 

In addition, Affirm failed to offer me the opportunity to establish my own credit worthiness which is a violation under the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I could not do mobile deposits charged outragous fees an my account was closed by the bank with out reason.

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