vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/2024, I opened a checking account with Citibank. I funded a direct deposit of {$1300.00} from my employer on XX/XX/XXXX. Afterwards, I received a XXXX payment of {$160.00} into the account because I was going to use this account for bill payments. 

Shortly after these transactions, I discovered that my online access to the Citibank account was suspended without prior notice. Upon contacting Citibank 's customer service on XX/XX/XXXX, I was informed that my account would be closed within XXXX to XXXX  days. The reason for this decision was not adequately explained, and I was left without immediate access to my funds. The customer service reps just hung up on me multiple times without explanation. 

As a result, I am facing financial inconvenience and potential hardship due to the unexpected locking of my account and the prolonged process to retrieve my funds, which I was told would be returned via check through standard mail within XXXX months. This money is part of my rent money, and I can not wait that long to receive 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 non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I got a alert that my account was frozen on XX/XX/2024 at XXXX I didnt get no warning to why when I called no one will give me an explanation I even verified my information I asked them please unfreeze my account cuz I needed my money for gas to take my child to the hospital they didnt care I asked them to transfer to that department they refused I called on XX/XX/2024 they kept giving me the run around that they gon na escalate it and no one would transfer me to the fraud XXXX I even asked to speak to a XXXX and they said they dont have any managers I told them ur holding my money XXXX and they laughed about it credit karma keeps playing games

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: VA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXXXXXX XXXX Balance - XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXXXX Balance {$190.00} XXXX XXXX XXXX Balance - XXXX XXXXXXXX XXXX Balance - XXXX  XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX Balance - XXXX XXXX Balance - XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$210.00} XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX  XXXX XXXX Balance {$3000.00} XXXX XXXXXXXX XXXX XXXX : {$190.00} XXXX XXXXXXXX XXXX XXXX : {$180.00} XXXX XXXXXXXX XXXX Balance : {$120.00} XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Balance : {$43.00} XXXX XXXX XXXX ( XXXX XXXX XXXX  ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance {$820.00} XXXX XXXX XXXX ( XXXX XXXX  ) XXXX Balance {$840.00} XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX ( XXXX XXXX ) XXXX Balance {$400.00} XXXX XXXX XXXX Balance {$1900.00} XXXXXXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Balance {$7800.00} XXXXXXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/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 2024-03-19 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: VA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX BILL XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXXXXXX Balance - XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX Balance : {$720.00} XXXX XXXXXXXX XXXX Balance {$190.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance - XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$210.00} XXXX XXXX XXXX Balance {$3400.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$3000.00} XXXX XXXXXXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX XXXX : {$180.00} XXXX XXXXXXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX XXXX Balance : {$43.00} XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance {$1000.00} XXXXXXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$820.00} XXXXXXXX XXXXXXXX XXXX ( XXXX XXXX  ) XXXX Balance {$840.00} XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX ( XXXX XXXXXXXX ) XXXX Balance {$400.00} XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Balance {$7800.00} XXXXXXXX XXXX Inquiry XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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 have requested to have XXXX XXXX XXXX XXXX  and credit one removed from my reports. They do not belong to me. 


I also have tried without success to remove all unauthorized inquires from my reports. 

XXXX XXXX XXXX XXXX The other names and social security numbers on my reports do not belong to me and wish to have them removed as well

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 2024-03-19 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-03-19 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-03-19 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-03-19 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX Comenity bank send my account with them to a Midland Credit Management XXXX with a balance of {$600.00} dollars because they was saying that I old money to them when I know that wasn't true but I deal with XXXX about paying this amount of money, I finish paying that amount on XX/XX/2024 and when I check my credit score shows that serious delinquency report is on my credit with out no reason because I don'told nothing to any of them. Need your help to fix my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: NY

Complaint narrative:
I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to Equifax requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

Equifax : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Please remove it from my credit report. 
XXXX XXXX BANK XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX RV Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXXXXXX 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 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I used cash app a lot for online purchases, sending money within our family etc.. my card was stolen and account hacked and before I even realized it my account was closed. So I made a new one, used it for a bit and they closed it also. They never told me what rule I allegedly violated nor did they allow me to explain that my card was stolen. Unfortunately cash app is the most used app for people I know plus its usable online more than the other ones. Id love to have my account back or be able to have a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX XXXX Balance : {$4600.00}

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 2024-03-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$27000.00} DEPT OF EDXXXX XXXX Balance : {$4600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I have a loan with One Main Financial # XXXX. In XX/XX/2024 I called to stop autopayments from being withdrawn from my XXXX XXXX bank account ending # XXXX. I also switched off directpay from their website in XX/XX/2024 for all future auto-withdrawals. Despite this, One Main Financial withdrew {$330.00} from my account without authorization on XX/XX/2024 when my payment became late. I am having financial hardships and this withdrawal caused further problems. It is my understanding their action is unlawful, I requested a refund of this money, they have not responded in any way. Can you seek recovery of these funds? Thank you. 

XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: LA

Complaint narrative:
Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by Scammers which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A steady on going issue with my identity being stolen don't know what the XXXX to do who to contact. These people are using vpns and OMACP hacks to go through apps to get information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My account received a wire transfer from a client for the payment of goods. XXXX days later the client received said goods in exchange for the funds previously sent. A week later I was notified by email that I had an unauthorized money transfer on my account and due to this my account will be frozen and closed in XXXX  days. Over the next XXXX days myself and my local branch XXXX provided each document requested by the bank to activate the account. We were told all we could do now was wait for letter from the clients bank showing the cancellation request. We contacted loss prevention each day for the next week looking for updates and there were none provided. Almost a week later on a call with loss prevention we were notified there was never a cancellation request in place. That we sat around for a week waiting for something that was not coming nor confirmed and that the previously spoken to loss prevention XXXX had essentially made it up. Just received an email that the account will be frozen for another XXXX weeks due to needing more time for their investigation. Funds will continue to be frozen due to their investigation who has all necessary evidence to release funds. Instead they continue to hold funds and cause emotional and physical stress of not being able to run my business efficiently without these funds.

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 2024-03-19 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: MD

Complaint narrative:
I have noticed some unauthorized and fraudulent inquiries on my credit 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 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

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 2024-03-19 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have requested to have XXXX  XXXX XXXX XXXX and XXXX XXXX removed from my reports. They do not belong to me. 


I also have tried without success to remove all unauthorized inquires from my reports. 

XXXX XXXX XXXX XXXX The other names and social security numbers on my reports do not belong to me and wish to have them removed as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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