vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: BILL.COM, LLC
State: FL

Complaint narrative:
I received from a third party that uses www.bill.com. I have no business with www.bill.com but the third party instructed me to open an account with bill to receive the money they are sending. Well bill decided to hold the funds and routinely request a litany of requirements to release funds. They required so many documents to release my funds to me. One of the requirements was a complete bank statement. A selfie and drivers license and utility bill. These are things all customers are not required to produce. I asked them why would I give you my bank statement and Im not asking you for a loan! Im not doing business with you and no I dont feel confident in giving you all my bank statement that my counterparts dont have to provide in order to receive their funds a third party sent. The www.bill.com app has no transparency and at this point the moral is down and they are holding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been locked out of my experian account. I froze my credit due to a security breach. However, I must have lost my PIN or password because I can no longer log in. I have called the ph number they recommend multiple times over the past 4 months but I can never get to a live person to help. They try to text my home phone which doesn't have text capability. 
I also sent a letter to the address they recommend in XXXX, TX. 
It is a problem becaue I can not buy any large purchases without access to my own credit. Can you please help me get access to my own account? 

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 explanation
Consumer complaint received 2024-12-24 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:
XXXX, Equifax, XXXX these bureaus are reporting unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX, Experian these bureaus are reporting unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX 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 2024-12-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Dear TransUnion Dispute Department, I am writing to dispute an inaccurate item on my credit report concerning my account with XXXX XXXX XXXX. The report indicates that this account remains unpaid, which is incorrect. 

I have received a letter from XXXX XXXX XXXX confirming that my account was paid in full. Additionally, I was issued a 1099-C form from the company, indicating that any remaining debt has been canceled. This documentation supports my claim that the account should not reflect any negative information. 

Please find attached copies of the letter from XXXX XXXX XXXX and the 1099-C form for your review.

I kindly request that you investigate this matter and update my credit report to accurately reflect this information. I appreciate your prompt attention to this dispute. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX **Attachments : ** 1. Letter from XXXX XXXX XXXX 2. 1099-C Form

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 2024-12-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Lien release
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I inherited a co-op from my grandfather and recently became appointed by probate to be executor. PHH mortgage are sending me bills every month because since it is a reverse mortgage the interest continues to build. The total now is approx {$280000.00}. This is an illegal loan and I brought this to the attention of PHH Mortgage. Their response was sending me the closing documents. The reason that this loan is illegal is because it was funded on XX/XX/XXXX when reverse mortgages on co-op units in New York were not permitted. It wasn't until legislation enacted in XX/XX/XXXX, effective XXXX XXXX, that such loans became legal in NY. My grandfather 's reverse mortgage was issued on XX/XX/XXXX. I would like this lien removed from the co-op and at the very least a settlement to pay the lender only the amount that was actually lent to my grandfather without the extra interest rate since the loan was and is not legal.

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 2024-12-24 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: IN

Complaint narrative:
Fraudulent accounts were opened in my name without my consent as a result of being a victim of human trafficking. These accounts include auto loans, credit cards, and collection accounts from various financial institutions. I was coerced into financial arrangements that I could not control, resulting in adverse entries on my credit report. 

Upon escaping the trafficking situation, I discovered multiple unauthorized debts negatively impacting my credit. On [ specific date ], I contacted the credit bureaus to dispute these accounts and began the process of clearing my credit profile. I also worked with XXXX XXXX, a federally recognized organization assisting survivors of human trafficking, to verify my victim status and obtain supporting documentation. 

Despite my efforts, the disputed accounts have not been fully removed or corrected. On I filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted documentation to TransUnion requesting the removal of fraudulent accounts under 12 C.F.R. 1022.142. Additionally, I requested copies of all account statements and evidence of debt legitimacy from the creditors involved. 

As of now, the following unresolved fraudulent accounts continue to affect me : XXXX loan from XXXX XXXX, opened on XX/XX/XXXX with a balance of {$45000.00}. 

Multiple XXXX  XXXX credit card accounts, opened on XX/XX/XXXX, with balances totaling {$3400.00}. 

XXXX XXXX  credit card, opened on XX/XX/XXXX, with a balance of {$1900.00}. 

XXXX XXXX XXXX XXXX credit cards, one with a balance of {$770.00} and another charged off at {$32000.00}. 

XXXX XXXX auto loan, disputed for incorrect payment records. 

XXXX accounts from XXXX XXXX ( balance of {$330.00} ) and XXXX XXXX ( balance of {$2200.00} ). 

These fraudulent accounts have severely impacted my credit, preventing me from obtaining housing, employment, and financial services. I am requesting the CFPB to facilitate the immediate removal of these accounts and to ensure compliance with regulations protecting victims of human trafficking. 

Thank you for your attention to this matter and for supporting survivors like myself in regaining financial stability.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had my identity stolen a couple years ago and have had credit freezes placed on my reports at all three credit reporting agencies ever since. I have no issues temporarily lifting my freezes at the other XXXX agencies, but at Transunion, not only am I only able to access their website through XXXX XXXX, but I always get the same error : " Sorry, we're having trouble showing the status of your credit freeze right now You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' There is never a live chat icon to use. When I call the support number, sometimes I am able to get through the automated prompts far enough to enter dates, but when I do, there's an error and I'm directed to an agent. Sometimes there's an error before then, and I'm directed to an agent. Inevitably, I fail the identity verification questions ( 3 ). In my most recent attempts, I am repeatedly asked who I know that owns property in a specific state I don't reside in. The list of people given does not contain any people that I know. This is a terrible question - how am I obligated to know what the people in my life own? And how do they know who is or isn't still in my life? I now have deep concerns about the credit report I haven't accessed in years ( because accessing my Transunion Report is nearly impossible ). This question and the other question I am told by agents that I am failing is about my previous phone numbers. I have had my current phone number for over a decade and I have no idea what my previous phone numbers might have been. While the agents have told me that I can call back for different questions, I have had the same exact questions 3 times now. 

Now I am EXTREMELY concerned about what information is on my Transunion report and I try to pull a copy from AnnualCreditReport.com, and I am unable to access my report from there, too, with an error that says my identity can't be verified. 

These issues occurred on the dates XXXX through XXXX. 

XXXX and XXXX are so simple and easy to use - I can use the websites to lift and reapply my freezes easily, I've never had to call an agent for help and I've never had to correct my information on my reports. Transunion is continually a problem every single time I try to use them and I have no solutions. This is my last resort.

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 2024-12-24 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: IL

Complaint narrative:
Citibank questioned a credit card payment from an already vetting banking source- in this case XXXX XXXX. After a conference call between a Supervisor of Citibank and XXXX XXXX, to confirm large payment transaction, I was told funds were immediately made available. Less than XXXX hours later, my account was closed. I called Citibank to give a reason for the closure, on XXXX XXXX, and a Supervisor could not give me a reason, but a letter would be generated in XXXX hours, and be sent via mail. I am now stranded in the midst of travel, after putting most of my funds to that credit card.

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 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I Submitted a dispute through experian for an account with XXXXXXXX XXXX XXXX XXXX on my experian report. The account went into late/charge off status due to the insurance companies lack of customer service and turnaround time. Also, Gap insurance was supposed to cover the amount in my account because this was a total loss and they did cover all EXCEPT {$410.00} which was an error on their end. If they would have corrected this, my account would have been closed and never went into charge off. I reccomend never trusting XXXXXXXX XXXX XXXX XXXX, GAP insurance, or experian. They are not reviewing my disputes either.. they are updating them instantly, which is impossible. I submit my disputes at night and there is absolutely no way they are being reviewed. I have requested supporting documents and never recieved. This should all be taken into account and this account from XXXX should be completely deleted, and I want an investigation on them for unfair credit reporting. they are committing fraudlent statements and not supplying required information.

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 2024-12-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2024-12-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Lease agreement stated that lease can be waived if death or medical conditions. I have XXXX XXXX XXXX XXXX XXXX. Doctor stated no stairs, no driving, avoid baths, need to be with someone who can help with medical problems. Option 2 on Lease agreement with XXXX. XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: AL

Complaint narrative:
After checking my XXXX, Equifax and XXXX credit report on XXXX, I noticed some hard inquiries that do not have permissible purpose according to 15 USC 1681b I wish to have the following inquiries removed from my 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. This fraudulent, inaccurate, and false information consists of an account opened with XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX with a charge off balance of {$290.00}, and an closed account with XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items.

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my FICO consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquires are the result or identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2024-12-25 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: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX XXXX XXXX card ending in XXXX. 

As of XXXX my last transaction was with XXXX which left the available balance on my account in the amount of {$560.00}. 

Please note that there were NOT any other transactions after the XXXX payment made with my card ending in XXXX from XX/XX/year> into XXXX. 

Please note that I went into my bank account on XXXX and I noticed that I was missing {$62.00} from my bank account account. 

The mathematical error I do not believe to have been incurred by me. I write all my transactions and can confirm that on the night of XXXX the remaining available balance was that of {$560.00}. 

Therefore, the {$62.00} is missing or a transaction was omitted from my account. 

I spoke to the Dispute department and she was able to confirm that on XXXX the remaining balance was that of {$560.00}. 

Please locate the missing {$62.00} as I did not make another transaction with my card ending in XXXX. 

I did make a current CITI transfer of {$300.00} to an XXXX XXXX on XXXX. 

Thank you for your time, 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 explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/year>, my partner and I ordered XXXX XXXX  from XXXX XXXX  XXXX in XXXX XXXX, South Carolina. He sent me the money and I ordered it on their website ( XXXX XXXX XXXXXXXX ). The total of the food came out to {$28.00}, I put in my Cash App debit card information and placed the order under my partner 's name and number, but as I clicked place order the website refreshed, leaving the items in the cart but taking the money for the order. We called the restaurant for clarification if they received the order but a female manager told us they didn't and to come in to show proof of payment. 
At the time the payment was pending so she said they couldn't help us since they haven't received it yet. I reordered the food using my XXXX XXXX XXXX XXXX XXXX debit card. The female manager gave us free drinks for the inconvenience making the total {$26.00}. On XX/XX/XXXX I checked my Cash App payment history to see if the payment was still pending but had been completed. On XX/XX/XXXX I called XXXXXXXX XXXX XXXX where a male manager asked me to send him a screenshot of the completed transaction and which website I used to place the order to validate its authenticity. He said the website was the official website but the screenshot of the payment looked " sketchy ''. He told me he couldn't find any record of the order and couldn't assist me, he recommended filing a dispute with the card company in an attempt to get my money back. 
After the call, I filed a dispute with Cash App with the reasoning being " Expented refund '', giving them a gist of the situation. On the XX/XX/XXXX, my dispute was denied. I called Cash App Support and they said they would investigate my case. On XX/XX/XXXX Cash App support sent me a letter telling me they were unable to provide any additional support. The same day I filed a 2nd dispute for the reason " Paid by other means ''. On XX/XX/XXXX they denied that dispute as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Chime Financial Inc
State: NV

Complaint narrative:
I was XXXX looking over my credit report and found some addresses that appear to be incorrect I have I closed documentation providing proof of my current address, As instructed to do on your website. To make the process easier here is a list of incorrect addresses that I am currently seeing listed which I would like removed. 


XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX There should be XXXX address listed on my report Which is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX

Company response to consumer: Closed with explanation