vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I went to XXXX XX/XX/2021 for two years while I was in XXXX someone hacked into my bank account and transferred money from my bank account at Bank Of America using XXXX I found this out when I got my a power of attorney to be able to send me money while in XXXX that my account was frauded I tried to contact the bank on several occasions but couldnt get into my account due to not having the proper credentials due to the fraudster changing my information I tried to have my power of attorney make a claim but the bank would not let them and said I would have to do it when I got home this person explained to them that I would still have to come in there myself due to the activity on the account so I finally got XXXX two years later and filed the claim I provided them with a police report number and all the transactions that where fraudulent they denied me about 4 days after the complaint stating that laws governing electronic transactions the consumer has one year from the date of an unauthorized transaction to recover any loss from their financial company I called and reopened the case and sent in proof of XXXX that same day I did that I got another email stating that laws governing electronic transactions is that the consumer has one year from the date of an unauthorized transaction to recover any loss from their financial company I have been trying to explain to these people that I had no way to make the claims due to me being XXXX and provided proof and they still closed my case again and not trying to refund me my money

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
Equifax allowed several inquiries on my report that were not authorized as required by Federal Law. Equifax aware they mixed my name and social security number with another person and refuse to fix the accounts mixed and inquires. By law any unauthorized inquiries and fraudulent accounts will need to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: GA

Complaint narrative:
Interest applies daily, cant pay it down or off -Advance Financial 24/7

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: UT

Complaint narrative:
I HAVE CONTACTED XXXX AND XXXX AS WELL AS LexisNexis TO DISPUTE THE FRAUDULENT ACCOUNT LISTING ON MY CONSUMER CREDIT REPORTS AND SENT THE SAID ABOVE COMPANIES THE FTC REPORT IDENTIFYING XXXX XXXX XXXX XXXX  ACCOUNT TO LET THEM KNOW I DID NOT AUTHORIZE THIS ACCOUNT TO OPENED SO FAR I HAVE NOT HAD ANY POSITIVE RESULTS. 
IT'S BEEN OVER 30 DAYS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I HAVE CONTACTED XXXX AND EXPERIAN AS WELL AS XXXX TO DISPUTE THE FRAUDULENT ACCOUNT LISTING ON MY CONSUMER CREDIT REPORTS AND SENT THE SAID ABOVE COMPANIES THE FTC REPORT IDENTIFYING XXXX XXXX XXXX XXXX ACCOUNT TO LET THEM KNOW I DID NOT AUTHORIZE THIS ACCOUNT TO OPENED SO FAR I HAVE NOT HAD ANY POSITIVE RESULTS. 
IT'S BEEN OVER 30 DAYS.

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I have contact XXXX, TransUnion by mail several times and send in proof of identity even uploaded to XXXX. No action has been done. It appears negligence on their part by not checking into the situation They just repeatedly send letters indicating send in documents which I have more than once. Hard inquiries on my credit file thats inaccurate. XXXX XXXXXXXX XXXXXXXX ( Bank ) XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX FCU ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX 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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, 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 have send in the request documents as indicated from Equifax to confirm my identity several times. Also mailed documents to XXXX XXXXThey re not taking the time to look at the inaccurate inquiries on my credit file. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MI XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX, VA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MI XXXX XXXX On XXXX are inaccurate inquiries on my credit file and I submitted proof more than once. 
XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX  XXXX XXXX date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX date XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: AZ

Complaint narrative:
Between the Dates of XXXX there were multiple transactions made to 2 companies who the parent Company is XXXX XXXX, the 2 Companies are ID 'd as XXXX XXXX and XXXX Slots Payments varied from XXXX {$50.00} and there were about 50 transactions, around XX/XX/2023 i was playing on a casino, which i played a specifi slot called the bear or something to that effect where i had a winning spin, i screen shot the winning spin to send to company, which i was told it was a Visual Error and what i was seeing was not actually what it really was ... Implying that it was my fault and they essentially closed my account, and refused any type of refund to me whatsoever. which i than reached out to one of the card companies cash app i used for multiple transactions, i disputed the charges and was told because there were multiple transactions its not a valid dispute, i explained that it took me that long to see they were not conducting business ethically and i wanted a refund, i did not think i should be paying for a scam. cash app basically told me to kick rocks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I HAVE CONTACTED TRANSUNION AND XXXX AS WELL AS XXXX TO DISPUTE THE FRAUDULENT ACCOUNT LISTING ON MY CONSUMER CREDIT REPORTS AND SENT THE SAID ABOVE COMPANIES THE FTC REPORT IDENTIFYING XXXX XXXX XXXX XXXX  ACCOUNT TO LET THEM KNOW I DID NOT AUTHORIZE THIS ACCOUNT TO OPENED SO FAR I HAVE NOT HAD ANY POSITIVE RESULTS. 
IT'S BEEN OVER 30 DAYS.

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 2023-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
Transfer wise of company is fraud and closed my account without prior warning and thereby frozen my funds unlawfully rendering me homeless without refunding me. 

Wise closed my account around XX/XX/2023 and I filed an appeal on XX/XX/2023 for me to get a refund and wise has told me over email that they will not refund me. 

Normally when an account is deactivated, the funds inside the account is always refunded to the owner. 

Considering the nature of my need for this money I need wise to refund to my bank account. 

I do not have any dispute in my account and wise is holding my funds unlawfully rendering me homeless. 

To resolve this matter to my satisfaction, I am requesting that wise should refund me my money back now This is very frustrating for a company trusted to hold peoples money to deactivate accounts without warning and also without giving out the money to the owners. 

As a result of this, I have been rendered homeless as I am not able to pay my rent and I sleep at motor parks. 

Since XX/XX/2023 I have been homeless and sleeping on motor parks as I am homeless and my landlord threw my things outside as a result of wise holding the money I wanted using to renew my rent. 

Wise in response said that they may hold my money for 5-20 days, but in this case it is more than 5-20 days since XX/XX/2023. 

I will attach wise response saying they may hold the money for 5-20 days. 

This is very unlawful and I need my refund back. 

I have reported this matter to XXXX XXXX XXXXXXXX, XXXX, XXXX and XXXX XXXX XXXX as this is considered as a fraud. 

I am requesting that wise should uphold this complaint and process my refund to me immediately and also wise should tender an apology to me for the damages caused as a result of this. 


The email associated with my wise is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XXXX of XX/XX/2023, i made an ACH transfer of XXXX $ from my XXXX XXXXXXXX with account number ending with XXXX to my Chime bank and my Chime bank was locked for security reasons. I was told to upload some documents to verify myself which i did but I'm yet to hear from them. I called and still no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, 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:
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 non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This is not a loan it was for a debt consolidation and they had me paying over {$300.00} and I chose not to use them and told him to close my account and then they put it down as if I got a loan for {$10000.00} And the credit cards on the consolidation were never paid, so what am I paying back {$10000.00} for I made payments to the one thats in at least six months, and nothing was accomplished. They didnt pay off any of my credit cards and and I didnt get any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Next Level Finance Partners  LLC
State: CA

Complaint narrative:
This is not a loan it was for a debt consolidation and they had me paying over {$300.00} and I chose not to use them and told him to close my account and then they put it down as if I got a loan for {$10000.00} And the credit cards on the consolidation were never paid, so what am I paying back {$10000.00} for I made payments to the one thats in at least six months, and nothing was accomplished. They didnt pay off any of my credit cards and and I didnt get any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for credit for my business, but it's showing on my personal credit report and Equifax refuse to remove this inquiry. I have sent 3 different letters to them certified mail in regard to this matter and received the same response each time. I Even called after each response I got back via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Transunion is reporting 18 negative accounts from XXXX XXXXXXXX XXXX from XXXX. Those arent being reported on XXXX or XXXX. 
XXXX XXXX XXXX  was closed down and all my loans were consolidated to XXXX. I cant even contact anyone through XXXX XXXX XXXX about this because it no longer exists. 
All the accounts are closed and at 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