vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: DC

Complaint narrative:
I visited XXXX to purchase a kitten for my XXXX XXXX XXXX XXXX. When I found the kitten, I emailed a woman who told me the kitten would cost {$750.00}. I decide to purchase the kitten and sent the money via cashapp. When I emailed to see what time the kitten would arrive, I was told to send more money. After receiving that email, I knew I had been scammed. I never heard from that person again. I contacted cashapp and reported both accounts as fraudulent activity. Cashapp told me a few weeks later that I would not be able to have my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-23 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: UT

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TN

Complaint narrative:
On or around the XXXX of the month, I try to use my virtual card from Chime banking and it stated that the card was temporarily unavailable. So I then contacted Chime and they wanted proof of identity and the only form that I had that they wanted was in that paper. They wanted a drivers license picture and also a selfie with me holding it. I have that however, the only copy that I have is a paper copy because I recently went and obtained a duplicate license because I lost mine in XXXX. They refuse to take the paper copy. It will be another three weeks before I get my hardcopy. My check from XXXX will be on my account around XXXX XXXX. My bills are due on tXXXX XXXX. I can not wait for three more weeks because I will be evicted from my house. If I do not pay my bills, I will have no lights if I do not pay my bills I can not access my money if they will not accept my license, and even when I spoke to a supervisor, she still said the same thing I could have provided them with mail with my name and address, my Social Security card, my lease, they refuse to take any of that. They just want the hard copy of my license which I do not have so my question is what am I supposed to do about getting to my money if I couldnt even close the account out if I wanted to to go to a different bank I cant even access it to get it off of the account. So I am really confused as to what I need to be doing right now. Can anyone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Venmo froze my account and I couldn't access my funds. I gave them documents but they wanted bank statement with card info..my bank does not supply statement with card info. Only checking account. I need my money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: VA

Complaint narrative:
I was giving a {$100.00} Visa XXXX XXXX XXXX. I do not recall the exact date but it was sometime in late XXXXXXXX XXXX I tried using it recently and the transaction did not go through. I when to the customer service web site ( wXXXX  ) to verify card balance. When I entered the requested card number and XXXX digit number in the back of the card it would not except the card as being valid. I called the customer service number ( XXXX ) on the back of the card. The representative said the card was deactivated do to possible " fraud ''. She said to fax a copy of the card along with my ID. I did as requested over three months ago but never received any response and my card is still deactivated. The card is issued by U.S. Bank National Association. Apparently a lot have people have had similar issues with this company as they are scamming individuals with this type of practice.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, CHALLENGEDORNOT.

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 2024-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I contacted MOHELA about my pending SAVE applications from XXXX, prior to the injunction. I contacted them the first time on on XX/XX/year> and they informed me that interest would still accrue while I was on the SAVE forbearance. While I was told otherwise, I contacted them again after receiving a letter saying that INTEREST WILL NOT ACCRUE during this period from MOHELA on XX/XX/year>. They have provided inconsistent advice when I have called them and messaged them and yet interest has been accruing on my account for months. They are actively trying to inhibit me from servicing my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: MA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-12-23 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: MA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-12-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
The reason for this continue complain is that this mortgage company does NOT DO WHAT THEY SAID!, this stars back in XXXX, when I became XXXX XXXX XXXX XXXX which I did not know it was XXXX, in XXXX or XX/XX/XXXX, the mortgage company CALL ME, and stated that if I was struggling financially they had a FORBEARANCE PROGRAM, that I could hold on the mortgage payments and the payments WOULD BE ADDED AT THE END OF THE LIFE OF THE MORTGAGE. I did accept it because I was having financial difficulties and was paying {$1500.00} in co-payments for my wife and I XXXX XXXX XXXX XXXXXXXX, at the same time my son lost his job who also was helping me. 
However, during the same time I began to submit paperwork to restructure the mortgage because the interest rates were lower than the 5.25 % I was paying. I submitted the paperwork and according them I was always missing something, I called them, and asked what was missing and submitted. A year and some months later I recieved a letter to pay the whole balance in one payment or three ( 3 ), I told them that they said it was going to be added at the end of the life of the mortgage, they never gave me a straight answer. Now that I recieved my XXXX  XXXX payment I can pay the monthly mortgage, I spoke to a customer service person who stated that I could send in the payment or partial payments. I did as she stated 2 years back and the second or third time I sent in the payment it was sent back to because they put a foreclosure on XXXX, XXXX Vets. 
ALL DURING THIS TIME UNTIL NOW I HAVE SUBMITTED A MITIGATION PACKAGE AND XXXX REFINANCE MY HOME TWENTY SIX ( 26 ) TIMES, I have mail it, fax it, e-mail it, signature return receipt, and according to them there is always a paper missing. 
Congress passed a law for us Veterans ( XXXX ) for those who are in danger of losing the home. I asked them about it so they can give to the VA Adm. to handle my mortgage but do not do it. 
Even though I have submitted paperwork 26 times and Saturday I recieved another Package to fill out and send to them ( NUMBER 27 ), I have two E-mails from XXXX XXXX and XXXX XXXX from them stating that they HAVE RECIEVED ALL THE PAPERWORK and sending it to be processed. The following month I got a call to re-submit the paperwork. 
I HONESTLY BELIEVE THAT THEY ARE ALLOWING TIME TO GO BY SO I CAN LOSE MY HOME. I NEED HELP!!! 
My wife is XXXX with many XXXX and XXXX XXXX, I am also XXXX with XXXX, XXXX, XXXX, XXXX XXXX XXXX and many other XXXX. 
I can not lose my home, this mortgage company is NOT doing thing in good faith. 
Someone needs to really look into how they are doing things, this IS VERY DISHONEST and they do it because I do not have the power to confront them. 
I thank you for helping us keep our home!

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 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I have a credit balance of {$190.00} that has been sitting in my account for months as I overpaid when paying off my entire bill. Bank of America will not refund my Money. I want to receive my {$190.00} refund and close my account. I have read other customers had the same issue as Im having. 

They continuously sent me statements informing me of a credit balance but do not send me a refund for the amount listed above.

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 2024-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: LA

Complaint narrative:
I have been a customer since XX/XX/XXXX and during the time I have been on time with payments, I am currently seeing that my credit report is showing XXXX late payments in which are in accurate, since XXXX of XXXX to XXXX, I am disputing that the lates are incorrect as I was only late twice due to losing my job during Covid. Since finding employment I have been on time, I was not made aware that when my late payments would continue as a recurring late as that was not explained to me. So, as I was making monthly payments trying to catch up on my account with every payment it was still being reported as 30-day lates, I was not told until later that I could take the 2 months late and have them put to the back of my loan. Losing my job was no fault to CarMax but the financing could have been explained on my options and me making you aware of my circumstances couldve been made clear early on in this process. As a consumer I am not knowledgeable on how the process works, I know to make payments on time and if I run into a bind to contact my finance company to make them aware to see if assistance is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-23 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX Opened : XX/XX/XXXX Balance : {$1200.00} Collection Inquiries in Dispute : XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
XXXX was when i reached out to request for a 1099c i was told that it had not been filed yet and still have not heard back from Exeter finance LLC regarding this matter in the amount of this {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, 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, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I CALLED THE REPORTING AGENCIES AND EXPLAIN THAT I HAVE NEVER ALLOWED ANY OF THESE COMPANIES TO PULL MY CREDIT IN PERSON OR ON THE PHONE. THIS IS CLEAR FRAUD. I HAVE FILED A FTC REPORT AND A POLICE REPORT. 

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 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 2024-12-23 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: FL

Complaint narrative:
I CALLED THE REPORTING AGENCIES AND EXPLAIN THAT I HAVE NEVER ALLOWED ANY OF THESE COMPANIES TO PULL MY CREDIT IN PERSON OR ON THE PHONE. THIS IS CLEAR FRAUD. I HAVE FILED A FTC REPORT AND A POLICE REPORT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief