vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
For the last 6-8 months a company called XXXX wa pulling XXXX each month off Mt cashapp. I reported this to several times they did nothing. The last report that was done to cashapp was XXXX, XXXX  the rep. helped by telling me I could go in cashapp and remove them. Then he stated he could get my money back for the months they had taken. This could have been solved months ago if cashapp would've simply stated what this rep. did. They XXXX to help protect me then. Then once we put in for them to give the money back cashapp closed my cashapp and said I violated terms and conditions. I appealed and asked what specific terms and conditions did I violate I've been with cashapp for years. They were unable to provide any source to prove of closing my cashapp and they didn't send the money they said it was authorized and sent some details from another company that wasn't they one that took my money off cashapp to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, XXXX, and TransUnion ) and several creditor companies. Over the past XXXX months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : XXXX. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within XXXX  days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. XXXX. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. XXXX. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. XXXX. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. XXXX. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA. These ongoing violations have caused unnecessary emotional and financial distress. I have attempted to resolve these issues directly with the credit bureaus and creditors, but my rights continue to be ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Date : XX/XX/year> I am writing to formally dispute the charge-off listed on my credit report for the account referenced below. Please consider this letter as my formal request for the removal of the charge-off, as I believe it to be inaccurate, and I request that you investigate this matter under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX DISPUTED AND HAS NOT BEEN REMOVED. IDENTITY THEFT REPORTED INCCURICIES IN VARIOUS ADDRESSES ATTACHED TO MY REPORT ( S ) DIFFERENT NAMES ON MY CREDIT REPORT ( S ) CAUSING ME TO BECOME HOMELESS AND NOT BEING ABLE TO PROCURE STABLE HOUSING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My SSN was stolen by identity thief in XXXX XXXXXXXX while I was traveling XXXX XXXX XXXXXXXX. I only have one bank account in XXXX XXXX They use my SSN to open 2 credit card account in Citi bank and XXXX XXXX XXXX. They log in to my online XXXX XXXX account and try to wire {$12000.00} out. I report the status to XXXX XXXX and they decline all the unauthorized transaction, the bank show me the document that someone change my default address and phone number. So far XXXXXXXX XXXX did well to protect my money. 

In XX/XX/year> I receive the Bank statement from Citi bank and XXXX XXXX XXXX. I went to the bank conform that these are not my account. So I request the bank to freeze these account and close them. The Citibank still have the balance of {$710.00} and XXXX XXXX has {$660.00}. The address for these two bank account and the transactions on the statement are closed to my home address. After investigation of the bank fraud protection group, They said I am responsible for this account, I have to pay the balance of XXXX + {$710.00}. I don't know how to prove I am a victim of identity theft, Police can't file the case because I couldn't get the affidavit letter from bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
I do not reconize these items on my credit report 1. A medical Debt, opened XX/XX/year> .A Medical Debt opened XX/XX/year> 3. A credit card, opened XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-02-25 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Amex reported to XXXX that I had a high utilization it dropped my score. My score was a XXXX the innaccurate report dropped my score XXXX points. I clearly paid off the balance to XXXX XXXX and it still dropped my score I got an alert from XXXX stating that I had high utilization when the balance is again {$0.00} and dropping my score. This needs to be updated and corrected placing those lost points back on. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have called Citi Credit Card for the past 4 months asking to deal with this fraudulant charge and a method to follow up with them. Charge was for just over {$12000.00} from company named XXXX. I did not authorize th transaction in XX/XX/XXXX. I have tried 5 times opening a case and asking for a case number and Citi tells me to use who I am speaking with 's first name and to dial their fraud number of XXXX. Today XX/XX/XXXX I was on the phone for 3 hours and asked for the case number from XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. They all informed me this case number could not be emailed or given and I would need to call back and check in with them. That feels illegal and I asked to open 3 disputes for 3 other charges with just anwser. they said they would and they only opened 1 and I recieved 1 email. This is not being handeled and they are partaking in misleading business practices. Please help me stop this madness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-25 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I took out a payday loan in 2021 and paid it off. They are now asking for more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
hello i would like to report that the information in my credit report about this account is incorrect since the amount was paid in full Please help me thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Wire sent to CITIBANK , N.A . and received by CITIBANK, XXXX, according to the Federal Reference Number missing since XX/XX/XXXX On XX/XX/XXXX, I initiated a domestic wire transfer for {$2700.00}, which received Federal Wire Reference Number XXXX from account ending in XXXX at XXXX to account ending in XXXX at CITIBANK , XXXX XXXX with further instruction to my XXXX account. The receiving account at Citibank, ending in XXXX belongs to XXXX. It did not arrive as expected. 

I called XXXX the same day, next day and a week after and several times after that. They instructed me to wait to recall until a few days passed, I then recalled the wire and it never came back. I spent hours on the phone with all XXXX banks and with CITIBANK XXXX XXXX because that's where the trace had shown the wire was at. I have not been able to get an actual status update from any of the XXXX banks. I spoke with CITIBANK several times as well since the wire was confirmed to have made it to them. CITIBANK looked up the reference number and advised to recall it again, so I did and nothing and then they gave the same advice again, so I recalled again and nothing. 

CITIBANK then told me they can not help me because I don't have a checking account with them, but they have my money! 

So here 's what I know : XXXX  sent XX/XX/XXXX Wire recalled 3 times from XX/XX/XXXX through XX/XX/XXXX Wire arrived at CITIBANK for account ending in XXXX on XX/XX/XXXX Wire has been traced, recalled and tracked and did arrive at CITIBANK, however, they will not update me and they are in possession of the {$2700.00} that belongs to me CITIBANK is now unwilling to help me after several calls and hours on the phone I don't know how to get CITIBANK to release my money This has been incredibly frustrating over the course of months and that's a huge understatement. The banks have made me feel like I'm a worthless waste of their time and they clearly don't care at all about getting my money returned to me. I don't understand how a Federally Managed system of money transfer, like wiring can be so open to funds being lost and then nobody having to be accountable for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NY

Complaint narrative:
Cash App is refusing to release my money by falsely claiming XXXX charged me twice. XXXX confirmed they only charged me once, but Cash App has the same transaction listed twice one as Completed and the other as Pending. Theyre using this to justify holding my money instead of releasing it. The charge is in the amount of XXXX duplicate transactions. Also XXXX is refusing to cancel the pending charge saying there is no pending charge so one of these companies is lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
American Express was a creditor in my XXXX  XXXX Bankruptcy case. The case was dismissed XX/XX/year>. After the dismissal, American Express reportedly account as a late payment of 180 days. American Express last payment from the Trustee was XX/XX/year> ( {$93.00} and {$20.00} ). I have paid the accounts off and have documentation to that effect. 

I have called over ten times. A investigation was initiated. The company found I was in bankruptcy but never corrected the erroneous late payment reported ( 180 days late ). 

I have written a letter to the company and provided documentation of the XXXX  XXXX and payments made with no change in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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