vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/23 I transferred {$1800.00}, via XXXX XXXX USBank ) based on an e-mail that I received from my contractor. E-mail was a standard method of communication between us. Per the e-mail I submitted the 50 % down payment to " his accountant '' ( I referenced my contractor 's name and the project details in the title and memo section with XXXX XXXX. On XX/XX/23 I met with my contractor at the project site. My contractor indicated that someone must have hacked his e-mail account and that he did not send me the e-mail. The history of the e-mails I received shows his valid e-mail address. My contractor filed a police report as did I. I immediately called my bank, USBank, to report the " mislead scam ''. I provided them with all of the information over the phone, including details for them to confirm that this was a " mislead scam ''. I offered to provide additional information, if they needed it. At no point did they ask for additional information. They ultimately rejected my claim indicating that " they processed the XXXX transaction as requested ''. I immediately called USBank again to provide them with additional information to show " mislead scam ''. They ultimately rejected the second claim under the guise of " they already rejected my initial claim ''. I then contacted my USBank Private Banker and sent him copies of the two police reports and all e-mail correspondence with my contractor 's e-mail address. A few days ago they rejected that claim solely on the basis that there were no longer funds in the receiving bank account ( we all know scammers immediately move the funds ). I initiated more research and found out that XXXX Banks implemented new procedures regarding " mislead scams '' that XXXX quality for. However, as of today ( XX/XX/23 ), USBank refuses to get the receiving bank to send the funds back to USBank. My understanding is that member Banks ' terms of service should have changed that allow for this provision. Yet, USBank continues to reject my claim. I believe that USBank committed material misrepresentations to me by saying " they have to reject my claim because there are no longer funds in the receiving bank account ''. My contact at USBank is XXXX XXXX ( Sr VP Wealth Market Leader, 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 explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please know the information on my credit report is not correct. I've listed addresses that do not belong to me. I need this fraudulent and incorrect information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

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 2023-09-11 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: WI

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX # XXXX -- IDENTITY THEFT 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 of 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 2023-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Allegiant Capital Recovery LLC
State: MI

Complaint narrative:
Allegiant Capital Recovery has called me and has harassed my family members regarding a XXXX XXXX credit card I had. 
I returned their call on XX/XX/2023 and spoke to XXXX ( XXXX XXXX XXXX ). I informed her that she is not to contact my daughters or mother and that she is only allowed to contact me though email. Her response was that is not going to work, it doesnt work that way, and I will continue to contact them. XXXX tone was very rude and very condescending.I informed her that I was filing a complaint and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Gave information regarding travel out of the country to XXXX, XXXX and relevant dates prior to travel. They have declined multiple payments despite multiple calls to clarify the situation requiring over XXXX minutes of waiting, etc. They refuse to correct the situation despite multiple confirmations of identity. We have excellent credit, have never been late, have not come close to our credit limit. This is irresponsible when members are traveling out of the county with children and can't have reliable access.

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 2023-09-11 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: CT

Complaint narrative:
I have attached an FTC report with fraudulent unauthorized inquiries. Delete Fraudulent unauthorized inquires and also delete this fraud alert I don't want it on my credit report Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING 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 2023-09-11 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: GA

Complaint narrative:
I recently conducted a comprehensive review of my credit report as part of my professional responsibilities and was deeply troubled to uncover a significant number of unverifiable, invalidated, inaccurate, and questionable items. It is imperative that your agency ensures the absolute accuracy of the information it reports. 

As mandated by the Fair Credit Reporting Act, it is incumbent upon credit reporting agencies to maintain a credit report that is 100 % accurate. These accounts, as outlined in both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), are in clear violation of this crucial requirement. 

I expect prompt and thorough action to rectify these inaccuracies in compliance with the law and industry standards. Your agency 's adherence to these regulations is essential in maintaining the integrity of the credit reporting system.

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 2023-09-11 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: GA

Complaint narrative:
I recently conducted a comprehensive review of my credit report as part of my professional responsibilities and was deeply troubled to uncover a significant number of unverifiable, invalidated, inaccurate, and questionable items. It is imperative that your agency ensures the absolute accuracy of the information it reports. 

As mandated by the Fair Credit Reporting Act, it is incumbent upon credit reporting agencies to maintain a credit report that is 100 % accurate. These accounts, as outlined in both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), are in clear violation of this crucial requirement. 

I expect prompt and thorough action to rectify these inaccuracies in compliance with the law and industry standards. Your agency 's adherence to these regulations is essential in maintaining the integrity of the credit reporting system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: AL

Complaint narrative:
We received a vehcile from U.S auto sales, in that time period we paid every single payment. The interest they charged us was Beyond ridiculous on top of that, they kept saying we owed more than what we did. Our vehicle had issues of turning off even when we paid our payment, through a device GPS tracker. Our vehcile got repossessed over night, because we couldnt pay all the extra they said we owed. Now its being auctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Original Citi credit card hit with fraudulent charges. Citi reissues card, but before I even active it, Citi advises that the replacement card has been hit with fraudulent charges. They issued a second card, and then a third card, which has now been hit with a fraudulent charge as well. Feels like this is an internal Citi issue...? How else could we have been hit with fraudulent charges before the card was even activated? How could three replacement cards be hacked inside of one month? Citi makes it next to impossible to get answers. I spent a good XXXX hours on this, and now the 3rd placement has been compromised and needs replaced. A lot of time spent with no answers on how this keeps happening.

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 2023-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been banking with Truist for over a year now. This is the second or fourth time this has happened. I've had issues with them and handling my money and assets. I went into the local bank and spoke with the bankers no justice. I disputed the charges and they investigated and they sent me a letter from the Truist Enterprise Fraud Management and the letter states are unable to credit my money back to my account. We have problem. The amount that was unauthorized from my account was XXXX. I am definitely going to contact some legal advice.

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 2023-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
At this point Im going to have to hire an attorney. I do not owe this facility money. I moved by my lease expiration and never signed a new lease after they asked. Also, theres a 5 month gap on my ledger where the old manager did not record payments that I made which caused a massive credit. The new manager is trying to extort money out of me because there were several damages to the property due to no fault of my own for example, mold, crack in wall due to the contractors trying to lift the building and it caused a massive hole, and a rotted patio doors amongst other things that needed to be replaced. The new manager is just trying to say I have a balance in order to offset the money they had to pay fixing the problem with the mold, termites, foundation problems and rotted patio. I have attached pictures of all the damage as well as the email where my lease ended. I did not sign a new lease after the manager informed me that they couldnt do any upgrades but the rent would still increase. I decided to not renew my lease after hearing this. The manager is just looking for monies from me to pay the bills on the many things that were wrong with the unit. I will also be consulting a lawyer about the mold in the apartment. I havent been able to breathe right since residing at this location. Again I tell you this is not my balance see attached pictures.

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 2023-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/XXXX i made a purchase to a merchant for services .however i did not receive the services. I contacted Chime to file a dispute to get my money back. Chime did not refund me my money Im being told i have to wait almost 3 months. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I have attached an FTC report with fraudulent unauthorized inquiries. Delete fraudulent unauthorized inquiries and also delete the fraud alert Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CONSUMER DID NOT PROVIDE ADDITIONAL INFORMATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I XXXX XXXX sent the Cash App which I don't use, don't have on my phone or computer back a response to questions like how long I have used them which is never and what do I think the fraud is I said yes XXXX missing out of my bank plus XXXX in overdraft fees was taken without my permission or knowledge from the middle of XXXX until first week of XXXX. It has become a nightmare to get any feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.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 2023-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I dont have verification that the debt is mine and I dont have proof of where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: IN

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Hi my Name is XXXX XXXX and my XXXX XXXXXXXX in XXXX in XXXX I was offered a forbearance for Covid after that Mr. Cooper refused any payments and tripled my payment amount and wanted a lump sum of XXXX $ would not take partial payments it went from XXXX $ to XXXX $ the house was in probate till XXXX so I could not get insurance until house was in my name could do nothing to change anything they put Forcloser on hold but now I am trying to do a loan modification it was a XXXX $ loan that had been done in XXXX by my Mom I paid it down to XXXX $ until Covid hit then twice they raised amount and would not accept any less money My Income is XXXX $ a month so XXXX $ I could handle but now they want XXXX $ a month I only get XXXX $ a month on XXXX Payments a Month try still refuse to take any amount of money and now there saying I owe over XXXX $ I am so upset and confused how they could do this to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Automotive Leasing Specialists, L.L.C.
State: LA

Complaint narrative:
I receive a collection on my credit report stating I owe a balance to XXXX. Im currently with XXXX for i utilities and they mention to me I have no outstanding balance with them, I have no known knowledge of anything else

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation