vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX Citi Bank wired two wires to a XXXX XXXX to his bank account numbered XXXX in XXXX XXXX, one in the amount of {$4900.00} and one for {$4900.00} and I have copies of the wires, and two wires to XXXX XXXX, one for {$4900.00} and one for XXXX, and her account of numbered XXXX Both to XXXX XXXX, and I have copies of those wires as well. A total of FOUR WIRES IN THE AMOUNT OF {$19000.00}. As soon as I found out the money was gone on XXXX, in the morning, I went into the bank. And the agent there tried to retrieve them, but said it was too late.

She said it was common and being done a lot. Apparently the person orders the wires over the phone. I immediately called in law enforcement and they filed a police report for Fraud and Theft and that is # XXXX and it was Called Grand Theft. It was Fraud by False Pretenses # XXXX ( a ) and Theft by Fraud by access card # XXXX. The XXXX account was closed by the banks agent at that time and the money left in my XXXX account was transferred to my Daughters XXXX XXXXXXXX XXXX personal account. The XXXX  account was our partnership XXXX  account. We then waited for a response from the fraud department. After two weeks they denied any claim saying it was a scam!!! We requested a supervisor to look at it and sent in the police report and all paperwork we had so they could see that this was theft and fraud and turn it over to the FDIC so we could be reimbursed for our loss. That person came back saying it was a " scam '' I then said did the teller or agent not verify the phone authorization of the Four wires and they said YES IT WAS and I said I want to hear it so I can prove it was not my voice or my partners voice, that authorized it. And I was denied this request. I want this Grand Theft loss to be turned over to the FDIC and I want my money back! The phone call will prove that neither I nor my partner authorized it and either the call was never made, or someone else authorized the four wires ... either way my company account has robbed and the bank is refusing to send it to the FDIC insurance!!!!!

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 monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
I've answered a few of their calls but no one says anything. I tell them you called me so talk then I get a click, so I've quit answering. When I look up the number its from them. They never ever leave a voicemail and they come from lots of different numbers. Just saw the 7 calls in 7 days rule. I get at least that many in one day sometimes more. They start shortly after XXXX and go as late as XXXX. I get them 7 days a week, weekends and holidays. I personally feel its harassment. I have XXXX XXXXXXXX XXXX XXXX alot but have to put up with their calls. I now have my phone on silent. Please help! I have attached phone log for some of the calls. Please note there may be other calls in there as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
THIS ACCOUNTHAS BEEN REPORTED AS A CHARGE OFF ACCOUNT. 
IT SHOULD NEVER BE COLLECTED BY ANOTHER COMPANY. I NEVER RECIEVED A 1099 FOR THIS ACCOUNT. THE DATE OF CHARGE OFF IS XX/XX/2024 FOR {$760.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/year>2025 and XX/XX/year>2025 There were XXXX unauthorized transactions posted to my account One for {$210.00} and the other for {$230.00} I did not make these transactions and I have filed a police report ally bank Case number 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 explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was a victim of identity theft XXXX hard inquirys on my credit reports that shouldnt be on there be companys names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .all these companys pulled my credit without my knowledge

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 2025-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
My cash app was closed and all they could say I violated the terms and services. Cash App could not give me a explanation of the violation. It was millions of people 's accounts were closed for terms and services and no explanation. I provided Cash App with my bank statement showing that I have an legitimate business. I showed how I obtained my funds. Everything is legit. I asked for an limited increased when I asked that my account was closed. This is unfair and literally not right at all. I would like to know the reason my Cash App was taken and not just for Terms and Services. I would like my Cash App back opened as well. 


What did I violate? You can tell me that because I didn't violate anything. Your company is doing this to everyone. Every since the owner passed Cash App is trash. This is not right at all! This is awful and sad! 
You all haven't did anything. Like I said, you tell everyone this same thing without evidence. You don't give anyone no reason. The only reason is that I used cash app as a personal account when it should have been a XXXX XXXX account. Your business is closing everyone account for no reason at all. All cashapp can say violation of terms and conditions. This is lame! Also, unfair!!!! XXXX What did I violate? You can tell me that because I didn't violate anything. Your company is doing this to everyone. Every since the owner passed Cash App is trash. This is not right at all! This is awful and sad! 
This still not answering my question and everyone 's elses questions. You tell individuals he or she violates their terms and conditions without proof. That's the same as convicted a person without a trial or proof. 
So what documentation you want me to provide? When you asked me do I work. I answered the question. You asked me how much I make a year I answered. You asked me do I have second income. I answered. I provided you with id. I provided you everything. So, how did I violate by receiving funds and sending funds? 
What documentation do I need to provide to send and receive funds? Everything is legit and legal. This is not right or fair at all. 
You all haven't did anything. Like I said, you tell everyone this same thing without evidence. You don't give anyone no reason. The only reason is that I used cash app as a personal account when it should have been a self employed account. Your business is closing everyone account for no reason at all. All cashapp can say violation of terms and conditions. This is lame! Also, unfair!!!! 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/2024. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/2024. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRIES : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiries made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiries. I respectfully request a copy of any documents authorizing credit inquiries, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter is appreciated. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
In 2022 I paid {$15000.00} of XXXX  paid an morgage of {$2400.00} a month now the bank asks me for {$2500.00}. of Escro and the morgage increase to XXXX dollars and do not have a convincing explanation. I plan to pay my taxis and insurance independently for the year I want to help me and if I can take them to court please is fha my plan and they asked me 3 % when I bought and ended up paying {$80000.00}

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
it has come to my attention my personal information has been exposed in XXXX data breach. After reviewing my credit reports, I noticed some accounts i'm not familiar with. I have asked the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a XXXXl data breach and a validation of debt letter.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
it has come to my attention my personal information has been exposed in XXXX  data breach. After reviewing my credit reports, I noticed some accounts i'm not familiar with. I have asked the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a XXXX  data breach and a validation of debt letter.

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 2025-01-05 00:00:00
Product: Credit reporting 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:
I am writing to formally dispute the handling of my personal information in relation to the XXXX data breach. My personal information was compromised during this breach, and I was never notified about it. I discovered that my information was involved by checking the XXXX website. 

XXXX also has listed on my report address XXXX XXXX XXXX, I want dispute the following items and an incorrect address listed on my credit report. The address " XXXX XXXX XXXX '' is not my address, and I am requesting removal of these items to be immediately from my credit report. Furthermore, I have already filed a report with the Federal Trade Commission ( FTC ) regarding this issue. I believe that your failure to notify me of the breach is a violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. 


! request that you investigate this matter and provide an explanation for the lack of notification. Additionally, I expect XXXX to take appropriate steps to mitigate any potential damage caused by the breach and to ensure that such violations do not occur in the future.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I looked at my report back on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. This account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ], is not complete and it's not accurate. 
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  open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate I sent a letter on XXXX XXXX XXXX  asking them to update my profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
there was a fraudulently capital on card on my account when trying to check credit score on XXXX XXXX I have called authorities and provided ftc report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Closed date on XXXX XXXX XXXX XXXX XXXX is incorrect. Credit reports state accounts were closed XX/XX/XXXX. This is incorrect. Accounts were closed XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Closed date on XXXX XXXX XXXX XXXX XXXX is incorrect. Credit reports state accounts were closed XX/XX/XXXX. This is incorrect. Accounts were closed XXXX of 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 explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA is a law that governs access to consumer credit reports and aims to promote the accuracy, fairness, and privacy of personal information. 
Has also been exposed in the databreak and I would like to delete everything off my credit profile for I had no consent of..

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 2025-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
XXXX someone send it to their cashapp without my permission

Company response to consumer: Closed with explanation