vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I noticed that a credit card payment to Citi Bank in the amount of {$6300.00} was made on XX/XX/year>. I called the bank 's rep that this must have been done in error as I never intended to pay off the whole outstanding balance but only the minimum payment due. The rep told me that there was a XXXX float, and the funds will be returned back to me on XX/XX/year>. On XX/XX/year> when I called, they told me that I had to wait for 7 to 10 business days for the amount to be approved by their finance dept and have the funds returned back to me checking account. I asked for a supervisor, and he told me that a rep had sent the whole amount for approval, but it was denied because the rep did not deduct the minimum balance due. I asked him why should I suffer because of their rep 's mistake? 
He told me to wait for 3 business days and the funds will be refunded back to my account after the minimum payment had been deducted. on XX/XX/year> which was the 4th business day after i spoke with the supervisor the funds have not yet been returned when I checked my online banking. I called on XX/XX/year> and I asked to speak to a supervisor, he assured me that XX/XX/year> was the day the refund will process overnight, and he will call me on XX/XX/year> at XXXX EST to confirm when the funds will be refunded back to me. He did not call me so on XX/XX/year> I called and requested to speak to a supervisor her name was XXXX and she told me she will get back to the supervisor that promised to call me, the supervisor say they my refund is still pending approval from their Finance Dept. I asked to speak with someone, and the Rep told me that they don't have access to Reps in Finance. XXXX told me that it will take an additional 3 to 5 business days to get it approved and 7 to 10 business days after approval to have it back to my account. This has caused me a lot of financial stress as I have to pay my mortgage and bills which are still pending due to the hold up of my funds. 
This will affect my credit and cause my house hole emotional distress as my checking account was wiped clean by this incident. 
I believe Citi bank does not care about their client distress they are still holding to my funds despite several calls and telling me it's their policy. I believe XXXX XXXX XXXXtates that we should only hold electronic transfer for only 1 day and should be available the next business day. Why is Citi not adhering to this rule.

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 2025-02-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Cordoba Legal Group, PLLC.
State: FL

Complaint narrative:
I responded to an advertisement for Cordoba Legal Group, a debt consolidation company, and was contacted by XXXX XXXX. After speaking with him for several days, I decided to enroll in the program, believing it would be beneficial. Unfortunately, it turned out to be a nightmare, as I was severely misled. 

I joined the program in XXXX and made XXXX payments over XXXX months. During this time, my accounts were closed. I had only provided Cordoba Legal Group with three accountsone from XXXX XXXX XXXX, one from XXXX XXXX XXXX, and XXXX from XXXX XXXX. I was led to believe they would consolidate my debt into a single, lower monthly payment. However, that was not the case. Instead, all my accounts were closed, leaving me with no access to them and significantly damaging my credit score.

Before enrolling in this program, I had a strong credit score and was working toward reaching XXXX. Instead, my score has plummeted to the XXXX. I have repeatedly attempted to contact Cordoba Legal Group to resolve this issue but have only been met with delays and unhelpful responses. 

This experience has had devastating financial consequences for me, and the stress it has caused has severely impacted my mental well-being. I need a resolution to this situation as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX  XXXX, has violated my rights. I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) 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.

Furthermore, their dispute resolution procer was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress For these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: Westlake Services, LLC
State: NY

Complaint narrative:
My credit Report was pull and use with out my constent

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 2025-02-13 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: FL

Complaint narrative:
Equifax agreed to remove the following fraudulent items per the law, and have not. I can't even call to the supervisor to complaint and demand removal because they are not accepting calls. 

Accounts to be removed/DELETED ; XXXX. XXXX XXXX XXXX. 
XXXX. XXXX XXXX ( 2 accounts ) 3. All the closed accounts from 2015 ( been on my account over 10 years, their policy states these should drop off after 7. Please have them comply with the corporate policies. ) Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
On XXXX. I was called by flagstar bank .saying check your account .people are getting hack. out of they money.With checking my account .I notice that from XXXX. I was getting scam .out of my money .Threw atm withdraws. every atm with draw i made XXXXwill charge me XXXX extra, most of the time i will only with draw XXXX but i will get charge XXXX extra. but my recipe will only say XXXX most of the time i will go to a cvs or walgreens. to with draw money .i was instructed to go in the bank with recipes. by the dispute department.as i was instructed to go to the branch. that i was near .in union nj. i spoke to a manger name deneice, and richord. i clearly told them what i was there for and to do.the recipes was viewed XXXX returned back to me. not knowing. What they did with the recipes.they were giving back to me.A couple of weeks later i received a phone call saying the dispute was denied. because know recipes was provided.but clearly .repeating i was instructed to bring in recipes. to the bank XXXXXXXX XXXX  XXXX XXXX.and did what i was instructed to do. i get another phone call from amy.in the XXXX nj branch. saying, XXXX said you never brought in documents.which was a lie. also i gave the XXXX XXXX XXXX a call and they called me back .and left me a voicemail saying .i brought in the recipes.but they thought the matter was handle.another lie that was told.the manger XXXX said to me .that they were going to check the camara. to see if i brought in the recipes. and its going to take a couple of weeks. but until then bring in recipes .again .i brought in recipes for the second time to the islein nj branch. the manger that view and fax over recipes was XXXX  XXXX XXXX very professional. as well .also. lying to a customer. is discrimation. is how i feel. thank you and have a good day.everything that im saying i can prove. also my account was charge the amount that was suppose to be credited .and close out without me being notified.i got a notice in the amil saying i was approved for the amount i was disputed. as well instead my account was close out .with out me being notified

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The information currently being reported is not in compliance with the Fair Credit Reporting Act ( FCRA ) guidelines, and it fails to meet the standard of maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: Block, Inc.
State: IL

Complaint narrative:
My XXXX security number along with credit file was leaked in a data breach. Im requesting All negative and derogatory items be removed from my credit report with All XXXX credit bureaus. Ive put a credit freeze on my credit reports but that did not help against the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Airtm Inc.

Complaint narrative:
Airtm are scammers! They took my money four days ago and refuse to help me. I have sent multiple messages repeatedly, but to no avail and without any response. 

Someone sent me {$140.00} to my Airtm account, and then I discovered that they claim my account has reached the sending and receiving limit. They told me that if I wanted to withdraw my money, they would help me, but they needed my approval first. They made me send a specific message stating that I agreed for support to intervene in my account to withdraw my funds. 

However, after sending the message, I received no response for four days. I have been contacting their support email, all social media platforms, and XXXX. The only place where I received a response was on XXXX, where they said they would recommend a quick reply. But as usual, there has been no response via email, and they continue to ignore my messages. 

It has now been four days, and it is clear that this is a scam, as the same thing has happened to others who were also unable to withdraw their funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
On XXXX XXXX I was staying in a hotel and someone hacked into my cash app through the unsecure network and drained my cash app account if XXXX. They linked their bank card withdraw funds then cancelled my cash app account. I had a debit card attached to the cash app account myself and it was disabled. I tried reaching out repeatedly and had to keep emailing repeatedly to try to get my money back I didnt understand how they couldnt just reverse the transaction but I was basically told nothing they could do. They also told me since the scammer closed my account there was no way they could even reopen it to do anything. This was devasting. They never refund people their money thats stolen even though they say they are federally insured. I would like to have my money back but do not know how that is possible now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-02-13 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: LA

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 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: AR

Complaint narrative:
Name : Consumer Adjustment CO. 
[ Debt Collectors name ] Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX E-mail/Phone : ( XXXX ) XXXX To whom it may concern, This Letter is being sent to you in response to : Notice sent to me on XX/XX/year>. 
In response to a listing on my Credit Report in the amount of XXXX This letter is neither an acknowledgement of debt nor a refusal to pay, but a notice to request validation of the alleged debt. 
According to the Fair Debt Collection Practices Act, 15 USC 1692g ( FDCPA ), I am entitled to request validation of the debt that you allege is due to you. 
I respectfully request you to provide me with competent evidence of my contractual obligation to provide payment to you. 
As required by the FDCPA, please provide the following information to me within thirty ( 30 ) days from the receipt of this Letter : Creditors Name and address Name of the Debtor of Record Full Account number Amount of debt Due Date of debt Original Charge off or delinquency date Explanation of how the debt was calculated Evidence that the debt is within States applicable Statute of Limitation Name of Collection Agency or Owner of Debt Amount paid if the debt was purchased Executed agreement for the debt. 

Upon receipt of the proper documentation as requested above, I will require at least 30 days to investigate the respective information, during which time all collection activity shall cease and desist. 
If any action is taken which could be considered detrimental to any of my credit reports, I will initiate legal proceedings. This means any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
In case of failure to respond to this Letter within 30 days from the date of your receipt, all references to this account must be removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, Senders name and signature : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: IN

Complaint narrative:
I am filing this complaint against Experian for failing to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) regarding disputed information on my credit report. Despite providing evidence to support my disputes, Experian has neither corrected nor removed inaccurate and unverifiable accounts, causing ongoing harm to my credit standing. My experience reflects the systemic issues highlighted in the CFPBs recent lawsuit against Experian, including : Failure to forward consumer-provided evidence to furnishers during dispute investigations. Acceptance of unreliable or insufficient responses from data furnishers. Inadequate notification to consumers regarding the outcomes of their disputes. These failures have directly impacted me by leaving unresolved items on my report that are inaccurate or unverifiable. Experians inaction constitutes a violation of my rights under the FCRA and federal law, as it has not conducted a reasonable reinvestigation of the disputed items. I am requesting the CFPBs assistance in ensuring that Experian takes immediate corrective action to amend or remove the disputed accounts and complies with its legal obligations to protect consumers. Thank you for your attention to this matter. I look forward to your assistance in resolving 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 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: TX

Complaint narrative:
PENN CREDIT HAS BEEN SENDING ME COLLECTION LETTERS AND ADAD TEXT MESSAGES TO MY CELL PHONE FOR TOLL CHARGES BELONGING TO A PLATE NUMBER XXXX XXXX XXXX XXXX XXXX. I DO NOT OWN THIS VEHICLE AND I IT HAS BEEN CONFIRMED THE VEHICLE DOES NOT BELONG TO ME. THE TEXT MESSAGE SENT TO ME FAIL TO GIVE ME MY MINI-MIRANDA RIGHTS UNDER THE FDCPA. I DISPUTE THIS DEBT AND DEMAND AN INVESTIGATION AND SEND ME THE RESULTS OF THE INVESTIGATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX from " XXXX XXXX '' emailed me on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The amount is for {$690.00}. I did not take any actions. 

XXXX XXXX from XXXX XXXX  called several time regarding a XXXX bill that is over XXXX XXXX XXXX. I have deleted most of her emails, however, I kept XXXX from XXXX the amount is {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX emailed me on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX emailed me on XXXX,.

Company response to consumer: Closed with explanation