vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I had transferred funds from my personal checking account to my moneylion account. Then about an hour after I get a notification stating fraudulent activity was going on. I quickly checked my moneylion account and by then all my money in my account was drained. 
I asked how is it possible someone took my money and they responded stating someone used my virtual debit card and did about XXXX transactions. I was informed they would open an investigation and it would take 10 days however after a few days i received an outcome stating the transactions did not fit a fraud pattern and moneylion is now refusing to credit back my stolen funds. 
Also another thing I did want to mention prior to me adding funds I had enrolled in a new subscription with their company called moneylion WOW. When I signed up I did make my first money payment with my virtual card. 
All I could think is their system was hacked and they got the info to my virtual card

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rausch Sturm LLP
State: FL

Complaint narrative:
I contacted RAUSCH STURM LLP regarding an alleged debt. The company received my request on XX/XX/year>, and claims to have replied on XX/XX/year>, per attached letter and mailing envelope ( stamped XX/XX/year> ), they are obviously engaging in fraud by back dating communication to indicate complying within the allotted time. Such behavior is egregious and completely unacceptable. I am therefore requesting compensation for such actions as well as this information deleted from my credit report. There is no response that could justify such action.

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was charged {$52.00} on XXXX, XXXX and XXXX for a total amount of {$150.00} The charges were placed on my XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX. 
The charges were placed on my XXXX XXXX XXXX XXXX XXXX account from a XXXX  in Texas. 
I contacted Chase about these charges fraudulent to my account and they were removed. 
Only to be re-billed at a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Funds were wrongfully taken from our account due to a fraud claim between XXXX other people prior to us having account

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 2024-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Went to sleep with XXXX in my cash app Woke up my cash app was on XXXX Had over XXXX {$50.00} transactions go through within XXXX mins no security on cash app avoided the transactions My personal info like email and pin was switched out Had no control over my cash app Called in to dispute was denied they replied it came from my device when I know it did not I am just being brushed off now Im broke because my tax money was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: CL Holdings LLC
State: TX

Complaint narrative:
These XXXX debts on my credit popped up after pandemic was lifted. For Jefferson capital system. XXXX for {$890.00} and a second for {$640.00} for XXXX? I have have called so many times and it's frustrating that they dont help. All they say, is that this is mine and i have to pay and that i have to set up a repayment plan. Its unfair how this place does business. Such fraud on their part. This is ruining my livelihood and opportunity to grow at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is a violation of my rights under FCRA.

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 2024-03-25 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I opened a ( Cfpb ) complaint against an invalid debt, from and agency named XXXX XXXX XXXX XXXXaccount # XXXX, which was subsequently responded to and closed. The creditor -XXXX XXXX XXXX XXXX ultimately stated that they were not reporting this inaccurate account on my credit report. On XX/XX/XXXX I mailed a dispute letter, to Experian regarding this inaccuracy, I also enclosed the response letter from the creditor as well. On XX/XX/XXXX my letter was received, by Experian Consumer Relations I have given well over to 30 -45 day period to investigate, update & delete as provided In the Fair Credit Reporting Act ( FCRA ), specifically in 15 U.S.C. 1681i. This section details the procedures for the resolution of disputes regarding the accuracy of information in a consumer 's credit report. 

Further based on the response from the creditor, confirming that they are not reporting this debt on my credit report, I feel that this debt is proven to be inaccurate and should ultimately be removed from my credit report. 

The debt is inaccurate, and invalid as confirmed by direct communication with the creditor, and as so this should be removed 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 2024-03-25 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: TX

Complaint narrative:
Dear Credit Bureau, I received a copy of my credit report and i have found the following items listed below to be in error. An account is listed with late or missed payment and that is incorrect. the following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes. 

Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Future Judgement Solutions
State: FL

Complaint narrative:
A person claiming to be an employee of a company called Future Judgment Solutions FJS has called me every day for the past week harassing me over a credit card debt that was already settled and past the statute of limitations ( XXXX XXXX XXXX ). They have also called several of my familiy members threatening to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Cfpb complaint inaccurate information I am listing account 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 has hurt my ability to obtain credit.

This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

This Conpany is reporting inaccurate opening dates, inaccurate High Credit limits, inaccurate Credit Limit, Last Reporting Date, inaccurate Date Last Active, inaccurate date of Last Payment. Each constitutes as a violation and has cause me and my family emotional distress and financial harm. 

XXXX Account # 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 2024-03-25 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: DC

Complaint narrative:
Cfpb complaint inaccurate information I am listing account 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 has hurt my ability to obtain credit.

This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

This Conpany is reporting inaccurate opening dates, inaccurate High Credit limits, inaccurate Credit Limit, Last Reporting Date, inaccurate Date Last Active, inaccurate date of Last Payment. Each constitutes as a violation and has cause me and my family emotional distress and financial harm. 

XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: PA

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Certain listed accounts exhibit inaccuracies in their reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: NJ

Complaint narrative:
These accounts contain information that is not reflective of my financial history and behavior. As a result, these inaccuracies have adversely impacted my creditworthiness and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
It's my understanding that FCRA 605B necessitates the elimination of any inaccurate accounts from my credit report. Could you kindly verify the documents? Several listed accounts seem to be inaccurately reported.

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ensuring timely payments has always been a priority for me with this account, ensuring they are never overdue. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, necessary corrections should be made.

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I've consistently upheld the practice of making timely payments on this account, preventing any occurrences of overdue payments. I'm uncertain about the reasons behind the presence of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, it's important to rectify any discrepancies.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I direly demand the expulsion of this wrong late installment from my record. Given my set of experiences of convenient installments, its presence is causing me excessive pressure. If it's not too much trouble, address this mistake speedily by refreshing my record in like manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: MD

Complaint narrative:
I have two late payments reporting that shouldnt be reporting according to 15 USC 1681 A ( 2 ) ( I ) which stats the term consumer report DOES NOT INCLUDE ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; MY TRANSACTIONS are my payment history therefore the accounts shouldnt be reporting late on 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 2024-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
XXXX reports that a debt has been opened in my name and went to collection. I do have a XXXX account which is in perfect standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: AZ

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

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 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Credit Karma, LLC
State: MD

Complaint narrative:
On XX/XX/year> my credit karma money card was hacked I received emails that my personal info on account was changed, so I immediately contacted credit karma while I was on the phone with them the transactions began XXXX XXXX at a time was being taken out they could obviously see it wasn't me. They inform me that there is nothing they can do other then to refer me to XXXX  dept which would email me in XXXX hrs, they ended up getting XXXX XXXX dollars from me and now credit karma will not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Credit Bureau, I received a copy of my credit report and i have found the following items listed below to be in error. An account is listed with late or missed payment and that is incorrect. the following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinvestigation with XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes. 

Thank you for your help in this matter.

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