vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-15 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. 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, OK XXXX XXXX XXXX : # XXXXXXXX XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX 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 2023-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: AE

Complaint narrative:
General Obligation : Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX BTC from my XXXX account to Gemini at the instructions of the scammers. 
In providing their services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is a scammer or is involved in potentially fraudulent activity. 
FATF issued International Standards on Combating Money Laundering and the Financing of Terrorism and Proliferation ( the FATF Recommendations ), aimed at setting minimum standards for action in different countries, to ensure that AML/CTF efforts are consistent internationally.

There is a long-standing obligation upon financial institutions to have necessary procedures in place to ensure the detection and prevention of money laundering, terrorist funding, and other illegal activities. 
In this case, it is perfectly obvious that Gemini could have, and should have, utilized various risk-based examination procedures and techniques, all of which are within their purview and legal obligation, and could have entirely prevented this disastrous outcome. 
Given that their client with the wallet address XXXX was an active participant in the movement of my money, which eventually ended up with the Company, Gemini have not exercised their duties to identify this suspicious scheme in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I recently made a complaint concerning my issue with Wells Fargo, which was I was given misinformation by several different employees in the length of time I have to file a claim which resulted in a denial due to the length of time it took me to file. If I was given correct information I could have then filed in the time permitted. 
After I filed my complaint concerning the issue Well Fargo XXXX, returned a phone call to me stating he will assist me with my issue, he claimed to look in to it, days past on the XXXX day of XXXX I received a call from XXXX again telling me my claim was denied due to me approving the transactions, even though he was aware of me doing so ( I wasn't claiming it was fraudulent, I was claiming the service was unsatisfactory and not producing satisfying results, failed to achieve results that were agreed upon. 
The following day I call back and I speak with an associate XXXX, I asked him why was my case denied to get the exact words, he then tells me there isn't any record of a case being opened or reopened and even if it was there isn't anything they can do, I replied with well if that is true why would XXXX say he would open a case again if he wasn't. Once again I was being lied to? 
The day after that I call again I spoke with XXXX, tells me the same thing I gave the case # the claim # came up with nothing and says there is no record of anybody even calling me. 
So they just say they are doing an investigation and not. If they did an investigation they would see that the outcome of the transaction was not in my favor and paying {$9000.00} for claiming to provide service is stealing to me. All they would have to do is see pictures. 
And if I were given correct information in the first place I would have put in the claim in the time permitted to do so. 
I am very disappointed in the actions that they have taken or not taken, I had trusted them with my money my whole life being and I was treated like I was nothing

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 2023-04-15 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
State: AZ

Complaint narrative:
We are a XXXX non profit organization and receive donations from the congregation. We use Paypal to receive donations. On XX/XX/2023 we received an email from Paypal that " After a review, we decided to permanently limit your account as we found potential risk associated with it. 
You'll not be able to conduct any further business using PayPal. ". 

We are now unable to access funds in our account. 

We have tried to contact PayPal. But, we could not find a way to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
I paid the account with XXXX XXXX XXXX in full as everything was due up front before a dental procedure was done because they were out of network with my insurance. I then noticed months later on my credit report there was a listing for Financial Account Services Team for {$670.00} with the original creditor. I disputed it three times through XXXX and XXXX and the third time, I received a call from the company. I asked them to give me dates and to send an itemized statement showing me exactly what it was for. They threatened legal action but refused to send proof of the charges and still refuse to remove from my credit report. Ive attached an itemized statement dated XX/XX/23 showing XXXX balance due, nothing past due and that the {$670.00} is showing as a credit that was applied to the balance putting the account as paid over what was owed in the amount of {$20.00}.

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 2023-04-15 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: NC

Complaint narrative:
On XXXX. I disputed negative inaccurate items that are currently listed on my credit reports. On XXXX, I received a stall letter from XXXX, accusing me of using a credit repair organization. I'm an informed and educated consumer, and this blatant excuse provided by XXXX is a clear violation of the FCRA. They must investigate all disputes sent in.

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 2023-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
My Chime bank account was closed completely after i filed disputes with them because someone fraudulent used my card and identity. After reporting the theft to chime and providing my supporting documents on XX/XX/2023 they closed my account two days later XX/XX/2023 stating I didnt comply with the deposit account agreement. I have been using chime to receive my paycheck every two weeks which was well over {$1000.00} every two weeks, i used the account responsibly and never misused it. Once they closed my account i was informed my account wasnt eligible for a refund, they just stole my hard earned money. I had two deposits being ready to be refunded from my trip and was told by a representative theres nothing they can do. My account was fraudulent used for almost {$4000.00} i did the right thing and reported it and Chime is acting like Im the criminal. I sent them my police report and my Identity Theft report it went ignored completely. And after looking at all the complaints from consumers i think this is racially motivated all these people are XXXX Americans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-15 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: IL

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 XXXXXXXX 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 XXXX 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 2023-04-15 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. 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 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 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 2023-04-15 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: NY

Complaint narrative:
I wrote a letter to remove account from my credit report and they didn't remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
For over a month now I have been getting an error message every time I try to review my credit report with Equifax. I keep getting a message that my report is blank. I reached out on XX/XX/2023 and spoke with an agent who said that she was escalating it and I would be notified when its fixed. When I called the agent never asked me for the code. This is such a hassle because I am in the process of repairing my credit to get read for home buying and cant access the information I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
When I started receiving phone calls from Portfolio recovery in 2020 in continually told them to stop calling me but send all correspondence by mail only but they continue call my phone at least 5 days a week even on Sundays I have yet to receive any letters showing proof they own my debt. 

I have now received a summons from the XXXX XXXX courts that they intend to sue me on behalf of A XXXX, XXXX XXXX XXXX. They have not supplied any proof that I have signed a contract with Portfolio Recovery or that they own this debt. In their proof attached to the summons it only shows an account statement from XXXX XXXX. 

Portfolio Recovery is using this tactic to receive money I do not owe them before the statute of limitations end for my state of California. 

They have not complied to the Fair Debt Collection Practices Act,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I had received a letter from Phoenix Financial Services at the end of XXXX over a debt that I was not familiar with from almost 6 years ago ( without any degree of verificaiton ). It said that I had until XX/XX/XXXX to respond or request verification before any action was going to be taken. Phoenix financial services began taking action to impact my credit score well before this date, and has been ignoring numerous requests that I've submitted on their website, as well as to their email system since early XXXX. I keep demanding verification of the debt and they continue to impact my credit score and attempt to collect. Phoenix financial services has not replied to me or tried to contact me in several months, it has been well over a month since I reached out to them and requested verificaiton and it is completely unacceptable. It is completely unfair that a collections agency can hold my credit score hostage for several months while refusing to speak to me and give me info about a debt that they refuse to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: NC

Complaint narrative:
On XXXX. I disputed negative inaccurate items that are currently listed on my credit reports. On XXXX, I received a stall letter from XXXX, accusing me of using a credit repair organization. I'm an informed and educated consumer, and this blatant excuse provided by XXXX is a clear violation of the FCRA. They must investigate all disputes sent in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
The statement Phoenix Recovery Group sent to me is not accurate. I leased an apartment at XXXX from XX/XX/XXXX - XX/XX/XXXX. This is stated clearly on the lease. There are charges on the statement provided from the dates of XXXX. The amount Phoenix Recovery Group is attempting to collect is not accurate and is being reporting this to XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I wrote a letter to remove account from my credit report and they didn't remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: DISCOVER BANK
State: NY

Complaint narrative:
I wrote a letter to remove account from my credit report and they didn't remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: MD

Complaint narrative:
I previously reached out to company regarding error no response or correction I filed a complaint with your organization XXXX complaint number Experian notified me that they have finished their research and my account has been updated as of XX/XX/23 they have not made any changes to the account.

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 2023-04-15 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: 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. 

Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX : # XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  ( XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX ( XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX ( XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX ( XXXX XXXX ) Account number : 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.

I was the victim of identity theft years ago and was unaware of the proper steps to take to rectify these issues and it has spiraled out of control and caused a multitude of financial setbacks in my life. I have notified and provided the creditors as well as the bureaus with documentation stating such in detail and they willfully remain negligent and noncompliant with the law and my rights under these laws and REFUSE to remove these fraudulent and inaccurate accounts and further more fail to do a proper investigation and fail to provide me with any documentation as to how these accounts belong to me when in fact THEY DON'T. I have also submitted numerous complaints with the CFPB as well as my states attorney general as well as disputed these items directly with the bureaus they are listed and as well with the creditors all of which decline to rectify the situation. I am submitting yet another complaint under a separate email in hopes my complaint will be heard and someone will follow through with holding these parties accountable in ensuring they report and maintain accurate and correct information only.

Company response to consumer: Closed with explanation