vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: NV

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On XXXX XXXX I proceeded to withdraw money from an atm that i use multiple times daily. Funds that always come from this account as this is my only valid checking account. For an unknown reason, the transaction was declined. I went to check my account and it also said declined reason unknown. I went back and did XXXX withdrawals of XXXX each. Both transactions completed without any issue. I received an email informing me of the declined transaction and how it potentially have been fraudulent. The email said to respond if it was not me. Well, it was me so i did not respond. The financial institution decided to freeze my account anyway. I called them to see what the issue was and every call i made ended with them being very unhelpful. I did receive XXXX call back from someone to verify my transactions. She said we were successful and that she would unfreeze my account that same day. Days later my account was still frozen and from here I received no help at all. They continued to tell me they could not verify my identity. I was also repeatedly told that someone would reach out to try an additional verification process. Other than the XXXX time the lady called ; i never heard from them. Then i get an email stating they will be closing my account. I called again to try to obtain more information. I was told the process would take XXXX business days. Its only been XXXX. My account was conveniently closed the same day my tax refund had been funded into that account. Whats strange to me is i filed with XXXX. Had my refund direct deposited into credit karma spend account. They are all the same company. I really dont care to keep the account. I just want my money that they are denying was deposited into the account right before they closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filling a complaint against cash app, ( Block lnc. ) Due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Further more their dispute process was unfair and deceptive as they did not comply with error resolution requirements under Elective fraud transfer act ( EFTA ) and regulations.These actions have caused inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: CA

Complaint narrative:
I was checking my credit report for accuracy and i found a lot of fraudulent inquiries on my credit report that was not authorized. I have been a victim of identity theft and i have made this report to dispute all the fraudulent activities on my report including a credit card account that was opened a while ago without my consent. Please dispute and remove all fraudulent activities from my credit report. 
Account XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was checking my credit report for accuracy and i found a lot of fraudulent inquiries on my credit report that was not authorized. I have been a victim of identity theft and i have made this report to dispute all the fraudulent activities on my report including a credit card account that was opened a while ago without my consent. Please dispute and remove all fraudulent activities from my credit report. 
Account XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 XXXXXX/XX/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 2025-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Request the errors recorded by XXXX XXXX XXXXXXXX, XXXX. ( XXXX ) on the Deed of Trust to be corrected. Otherwise, it appears to be fraud - actions of double-dipping, falsifying documents, etc. 

I had a loan with XXXX for almost 14 years ( Loan Account # XXXX ). Then under Goldman Sach ( GS ) in XX/XX/XXXX, I was instructed to start paying Select Portfolio Servicing. 

I recently just received " 2 '' Deeds of Trust that XXXX recorded on " 2 '' different occasions with the XXXX XXXX XXXX XXXX, Maryland Land Records Office - both in XXXX. The 2 XXXX XXXX XXXX have 2 individually new mortgage account numbers : 1. Loan Account # XXXX ( recorded XX/XX/XXXX ) 2. Loan Account # XXXX ( recorded XX/XX/XXXX ) Both Deeds of XXXX identify the original terms set with my ex and me back on XX/XX/XXXX - like we still owe the original principal sum of {$540000.00} and interest. Neither Deeds of Trust identify the true terms that changed in XX/XX/XXXX under XXXX that include, but not limited to, solely having me as the debtor, decreasing the principal sum to {$320000.00} and canceling the FHA insurance received under a XXXX Department of Justice loan forgiveness modification. As a result of the agreement set forth between XXXX and me, I solely received a IRS 1099-C form from XXXX, cancelling and discharging debt of {$410000.00} in principal. I have never been late with a payment. 

The " XXXX '' Assignments of the DT that MUST BE CORRECTED are formally between XXXX XXXX  XXXX, NA, the Assignor, and Assignee ( s ) : ( 1 XXXX XXXX XXXX Trust National Association ( recorded XX/XX/XXXX with XXXX XXXX XXXX by Residential RealEstate Review, Collateral Document Services ) NOTE : XXXX XXXX XXXXXXXX XXXX XXXX is the sole owner trustee for XXXX XXXX Securities XXXX XXXX at the c/o Select Portfolio Servicing XXXX XXXX XXXX XXXX AND XXXX XXXX ) Goldman Sachs Mortgage Company ( recorded XX/XX/XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX, Collateral Department ) The errors recorded by Bank of XXXX, XXXX. ( XXXX ) on the Deed of Trust to be corrected immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
The fraudulent loans that I have been reported to the companies, but they dont want to believe me and treated me like harassment on the phone. For example, the refinance loan documents that had me working as a manicure technician in the employer section. I tried to tell the company that I never worked there and I worked for a different company during that time, but the company still accused me that maybe I worked first and then go to my own company. 
I attached all the documents that were from fraud activities.

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 2025-02-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-23 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: TX

Complaint narrative:
I bought something off XXXX gave the payment thru cash app product never came cash app refused to refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX XXXX XXXX, 2025 RE : Credit Report Dispute under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), I am writing to formally dispute the reporting of closed accounts on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I request that you investigate the following issue : 1. Lack of Written Consent : Under 15 U.S.C. 1681b, a consumer report may only be furnished under certain permissible purposes, typically requiring either the consumers written consent or a clear legal basis. I never provided written consent to any business to obtain or furnish my information regarding the closed accounts listed below. Therefore, I believe these accounts are being reported without a permissible purpose or authorization. 2. Request for Deletion of Inaccurate/Unauthorized Information : Because I have not given written consent for these specific closed accounts to be reported, and they do not appear to meet the permissible purpose criteria, I request that you delete all closed account information from my credit file. Please remove these accounts and send me an updated copy of my credit report once the investigation is complete. Below are the details of the closed accounts I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please investigate this matter and delete the unauthorized information from my credit report. In accordance with the Fair Credit Reporting Act, you have 30 days to complete your investigation and notify me of the results. Please send an updated credit report reflecting the changes once these items are removed. If you determine that the information can not be removed, please provide me with a detailed explanation and the method used to verify the accuracy or permissible purpose of the information in question. Thank you for your prompt attention to this matter. I look forward to your timely response. 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 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
Claimed a i owe an debt from XXXX  for the amount of XXXX, I am getting mail regrading this issue

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 2025-02-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
In XXXXXXXX XXXX I received a letter from Cashnet saying I owed them over XXXX I have never asked for nor received a loan from Cashnet ( or any other payday loan service ).. I tried calling them and the automated message said I owed them even more than the amount listed in the letter. Than a representative got on the line and gave me a different amount of money owed than that in the letter or the automated response. They said to freeze any unauthorized payments, I would have to file a police report. I did and sent them a copy on XX/XX/2024. Since then, this company has been calling me XXXX to XXXX times a day. I always block their number, but they must have hundreds of numbers. I need them to stop this fraudulent claim and stop blowing up my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Closed : XX/XX/20 Dear Sir/Madam of the CFPB I am writing to file a formal complaint against Bank of America concerning the recent closure of my account without providing a valid reason. 

**Account Details - Account Holder Name : XXXX XXXX - Date of Account Closure : In process, Scheduled for XXXX On XX/XX/20 I was informed by Bank of America XXXX when I noticed my daily routine wasnt functioning, that my account was being closed. Despite multiple attempts to seek clarification, the bank has not provided me with any valid reason for the closure. This unexpected action has caused significant inconvenience and financial distress. 

I have attempted to resolve this issue by contacting the bank 's customer service on XXXXXXXX XXXX XXXX but I have not received a satisfactory explanation or resolution. I believe that the bank 's actions are unjust and have affected my financial stability. My money is stuck in the account until they close and mail all funds from the account. This is inconvenient for me especially being that I am a longtime loyal customer. 


I kindly request the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Bank of America provides a valid reason for the account closure and addresses any potential wrongful actions. I also seek assistance in reopening my account or transferring the remaining funds to another financial institution. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-02-23 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: OH

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: OH

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The Letter Requesting Proof of Address : The letter I received from Citibank, dated XX/XX/year>, instructed me to submit proof of address but did not specify where or how to send this information. This left me uncertain about the correct process. 

Contacting Customer Service for Guidance : After reading the letter, I reached out to customer service and were provided with an email address to submit the required proof of address. However, after submitting the document on XX/XX/year>, I did not receive any confirmation that the documents were received, and there was no clear communication on the status of your case. 

Account Closure : Despite submitting the requested proof, it appears the account was closed after a period of inactivity or unresolved documentation. This is understandably frustrating, especially since no one could provide confirmation of the receipt of your proof of address. 

Attempts to Reinstate the Account : I made multiple calls to customer service and visited both a XXXX store and a Citibank branch, hoping to have the issue resolved and the account reinstated. Unfortunately, no one was able to help, and it seems there was no way to directly communicate with the department that was handling your case.

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 2025-02-23 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: NC

Complaint narrative:
There is Someone elses name on my Credit Report. That persons name is XXXX XXXX XXXX. Confirmation # XXXX I dont know who this person is or how his name is on my credit report. I want my credit file Deleted because of identity theft. Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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