vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
Someone access my mobile phone without my knowledge and used my Cash App to send {$5000.00} to their Cash App from my bank account ( my debit card was connected to my Cash App ). I discovered this about 12 hours later and immediately reported it to Cash App. I also filed a claim with my bank and a police report as I know the identity of the person who stole the money.

Cash App claims to have " investigated '' and rejected my claim roughly a day later. They never asked for any information other than the transaction details ( receipient, date, amount ).

Cash App 's reason for denying the claim was that they said the transaction was either made by me or by someone with my permission. I have no idea how they came to this conclusion. I requested documentation as to how they came to this conclusion but I have not heard from them yet. Cash App does not enforce any kind of PIN to send money ( I learned recently that you can enable that, but mine was off by default ). Cash App 's fraud department will not talk on the phone and it has been impossible to actually talk to someone directly at Cash App. They had no interest in the police report or anything else ( I tried to give them the report number ). Its clear they just auto-decline all claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: CL Holdings LLC
State: TN

Complaint narrative:
I've recently checked my credit report and noticed some inaccurate accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: MS

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XXXX I went online to check my checking account and noticed two wire transfers, one for {$1700.00} and another for {$1700.00} on the same day. I called citibank immediately and told them that the transfers were not authorized by me. After talking to a couple of people they connected me to the fraud department. After talking to them they said they would do an investigation. They told me I did not have to call the Police or report this to anyone because they would take care of it. Unfortunately, I listened to them and waited for their report. After talking to different people at citibank they told me they had a persons name, XXXX XXXX, two telephone numbers, which are on my statement, and the name of the bank the money was transfered to, but they would not give me the name. They also sent me an Affidavit of Unauthorized Online Wire Transfer Document that they said I had to fill out, which I did and sent it back to them. They said they never received it but I sent it certified and have the receipt and know it was delivered. Long story short, I have been in contact with them and they are now blaming me and will not give me my money back. I have filed my loss with the Federal Government. My next step is to contact the Police.

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 2024-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I have spoken to several representatives at Bridgecrest informing them about the discrepancy they have on the XXXX XXXXXXXX XXXX that I purchased in XX/XX/XXXX. They charged me an outrageous interest amount that is on heard of ( {$26000.00} ) minus the actual vehicle amount of {$29000.00}. The car had XXXX miles on at time of purchase. The dealer specifically asked me how much per month I wanted my car note to be. I said specifically no more than {$400.00} per month because that is around the pice range my previous vehicles were in previous years. I never had an interest rate cost more than the car is worth. I contacted Bridgecrest a few months ago and informed them that my hours dropped at my job. They told me that cant do anything because I signed the contract and they can modify it due to my signature. They said I can refinance the car. I inform them that I will not consider that option at all because they should have given me two brand new cars at a price of {$55000.00}. That is {$21000.00} over my annual income. Bridgecrest is damaging my credit significantly due to their error. They do not want to do anything to correct it and make things right with the consumer. Consumers sign paperwork all the time. They are unaware that they will fall victim of being overcharged and the company dont want to do anything about it. I told them from the beginning I could not afford a {$350.00} by weekly car note. They are fully aware of my circumstances and fail to comply with my obligations such as rent, utilities, car insurance, food, and medical needs. Please someone help me out of this dilemma. When I contact them they do not honor anything I tell them which is the Gods honest truth. Please review they procedures and policies because they do not comply with consumer credit protection rights. Thank you for your time. 

Sincerely, XXXX XXXX Unsatisfied customer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: EQUIFAX, INC.
State: KY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  all show inaccurate payment history throughout all credit reporting bureaus and for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I havent received a 1099c a cancelation of debt. Therefore the accounts are providing in accurate information and I would like it removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: KY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end XXXX XXXX XXXX as late for any purpose. 

Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all show inaccurate payment history throughout all credit reporting bureaus and for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I havent received a 1099c a cancelation of debt. Therefore the accounts are providing in accurate information and I would like it removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account Number : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account 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 2024-03-11 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I called Equifax last week to check on my credit report 's investigation with XXXX XXXX XXXX XXXX. I asked how did XXXX verified this account as accurate the supervisor who was working from Indiana told me they don't do any investigations at all he said whatever the creditor sends back is what they go with. This man told me his name was XXXX XXXX! 


XXXX has people working and handling credit disputes from Indiana when they have no understanding of the FCRA laws. 


I demand a reinvestigation due it being many inaccuracies on this account. If this account is not deleted immediately I will take further action as to why XXXX refuse to see these clear inaccurate account reportings on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: MS

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-03-11 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
From XXXX XXXX they provided me an incident number XXXX on XX/XX/2023. I never received confirmation that this issue was resolved. I checked XXXX today and see that the debt collection company, I C SYSTEM INC, still hasn't removed the collection.

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 2024-03-11 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: FL

Complaint narrative:
I have two inquiries on my Equifax credit report XXXX and XXXX from XXXX. I contacted XXXX 3 times and also Equifax they both were not able to give me a explanation for the inquiries I have no accounts with XXXX and I have not applied for any credit for XXXX  years. These inquiries need to be deleted off my credit report. I have no knowledge of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have theight to privacy. 15 USC 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit and these companies are violating my rights as a consumer.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disputed items on my credit report with wishes to have disputed items verified as debt. I was never sent a confirmation that the investigation was complete or any materials from debt collectors that showed account ownership.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account Number : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account 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 non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I love Hyundai. Over the last 10 years I've had at least 5 vehicles of theirs all in a row. My most recent vehicle I purchased back in XXXX at the end of my lease. In XX/XX/XXXX that car was stolen and totaled. With that happening I realized that I was never sent the title from Hyundai after buying out the lease. I have paperwork stating that I am free and clear of the lease and all payments have been made. 

As I am now trying to get the check for the totaled/stolen car and do not have the lease I have called Hyundai twice to request a duplicate as the DMV is stating it is still in their name. I have called to request a duplicate title and was told one would be sent. I then called again a month later and was told I needed to submit the request in writing and send a check. I have done that as well, but have not received anything nor can I find any confirmation from Hyundai that they are working on it.

After doing some research this does not appear to be a unique situation as I am seeing many consumers who are dealing with this issue as well. All I want is the title sent to me. I would be happy to pay any amount they needed as long as I could get this done. It is holding up me purchasing a new car and this has been going on for months.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-03-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
We previously opened case XXXX & we very specifically proved that the bank has messed up our payments & that they have admitted to these mistakes, numerous times, in writing. We also very specifically asked that the CFPB determines whether the bank 's mistakes have impacted our credit score, this has not been done yet you have now closed the case. The bank offered you a very deceiving letter, making it look as though the mistake was ours. They also mention absolutely nothing about how this has affected our credit score.

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