vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: MA

Complaint narrative:
I paid fees for Credit repair services, but the company did not repair or do what they said they would do as far as services that I was charged for

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 — Information belongs to someone else
Company: ID Analytics, Inc.
State: PA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

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 — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I saw a debit transaction for a strange amount of {$110.00} at an ATM in a city I have not visited recently. I have not leant my card out or given my pin to anyone so Im not sure how it happened. Citibank has denied my claim saying they can not reimburse me since the card was not lost.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , reporting 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 a installment account opened at XXXX XXXX on XX/XX/year> under the account number XXXX, an auto loan account opened at XXXX on XXXX XXXXXXXX XXXX under the account number XXXX, a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX on XXXX. XXXX XXXX under the account number 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 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 inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX different responses from XXXX different resolution specialists for XXXX problem in resolving accounts. As XXXX XXXX XXXX, phone number XXXX, with case # XXXX, dated XX/XX/XXXX, saying that, " also reflected in the agreement under the heading freezing your account, if we decide to close your account ( s ) we may freeze it. If any time we believe that your account may subject to irregular, unauthorized, or fraudulent activity, we may, in our discretion, freeze some or all of them ye funds in the account and in other accounts you maintain with us, and/or delay transactions, without any liability to you, until such time as we are able to complete our investigation of the account and transactions. Which contrary to XXXX XXXX XXXX, phone number XXXX, dated, XXXX XX/XX/XXXX, told me, saying, " In accordance with the terms of the Deposit Agreement and Disclosures publication ( the Agreement ) either we or our client can close an account at any time. The relationship between a bank and the client is a contractual one, and under the terms of the Agreement, we have no obligation to disclose our reasons for closing the deposit account. For additional information, please refer to the section titled Account Closures, Transaction Delays, and Conversions/Changes to Account Settings for more information. The Agreement is available to all clients on our website at XXXX '' ( see at attachments. ) So, who is telling the truth? I believed it had something to do with a claim back in XX/XX/XXXX ( account XXXX ) that made the bank to close my both of bank accounts down which was unresolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-25 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: IL

Complaint narrative:
My credit information was included in a data breach.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit information was included in a data breach.

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: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am a victim of the XXXX Identity Theft Scheme

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Subject : Urgent Complaint Regarding Missing Funds on Venmo Dear CFPB, I am reaching out to report an issue with Venmo that has caused me significant stress, especially as I am currently dealing with the loss of my mother and trying to pay for her funeral expenses. 

On XX/XX/year>, a friend, XXXX XXXX ( Venmo XXXX : @ XXXX ), sent me {$1000.00} USD to my Venmo account ( XXXX : @ XXXX, name : XXXX XXXX ). The funds arrived in my Venmo account at XXXX XXXX. 

I attempted to transfer the funds using the instant transfer option to my XXXX bank account multiple times ( XXXX attempts ), but the transfer was unsuccessful despite my XXXX account being listed as an available option on the Venmo platform. I then attempted to add my debit card to facilitate the transfer, but the system would not allow me to do so. 

To my surprise and frustration, the {$1000.00} has now disappeared from my Venmo account, and it is not reflected in my XXXX XXXX  account either. 

This is my first experience using Venmo. I activated and verified my account on XX/XX/year>. 

The situation is causing me immense distress, as I urgently need access to these funds to help pay for my mothers funeral expenses. I kindly request your assistance in resolving this matter and ensuring I regain access to the missing funds. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

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: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to formally request that you cease all collection activities, including phone calls, emails, and letters, regarding the above-referenced account. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

It is my understanding that [ provide reasoning : e.g., " the debt reported by your agency is inaccurate, '' " this debt has already been paid, '' or " I do not recognize this debt '' ]. As such, I am disputing the validity of this account.

I request the following information : Proof that I owe the stated amount of {$1000.00} to your agency.

Verification of the original agreement between me and the original creditor, XXXX XXXX XXXX 
If you can not provide sufficient proof of the debt 's validity, you are required to delete any adverse reporting regarding this account from my credit file immediately. Additionally, I request no further contact from your agency aside from legally required written communications regarding this matter. 

Failure to comply with this request will leave me with no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state 's attorney generals office, and possibly pursue legal action. 

Please send any written correspondence regarding this matter to my address listed above. 

Thank you for your prompt attention to this request. 

Sincerely, 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 2024-12-25 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: MS

Complaint narrative:
I am writing to formally request that you cease all collection activities, including phone calls, emails, and letters, regarding the above-referenced account. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

It is my understanding that [ provide reasoning : e.g., " the debt reported by your agency is inaccurate, '' " this debt has already been paid, '' or " I do not recognize this debt '' ]. As such, I am disputing the validity of this account.

I request the following information : Proof that I owe the stated amount of {$1000.00} to your agency.

Verification of the original agreement between me and the original creditor, XXXX XXXX XXXX 
If you can not provide sufficient proof of the debt 's validity, you are required to delete any adverse reporting regarding this account from my credit file immediately. Additionally, I request no further contact from your agency aside from legally required written communications regarding this matter. 

Failure to comply with this request will leave me with no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state 's attorney generals office, and possibly pursue legal action. 

Please send any written correspondence regarding this matter to my address listed above. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Branch Messenger, Inc.
State: NM

Complaint narrative:
Every week as a XXXX XXXX for XXXX I have had to accept fees to transfer money into my bank account same day via debit card. Otherwise I have to wait up to XXXX  days to transfer the money to my bank account free. I needed my money on the day they paid us and not XXXX  days later..I read about the lawsuit. What do I need to do to submit my info?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX XX/XX/year> This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) My XXXX report consist of a fraudulent account with Ally Bank under account ending in XXXX. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX report. I do not recognize the aforementioned account 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 inquiries are the result of identity theft and fraud. I have contacted this company more than 20 times to not get any assistance with this matter. I have proof of all my attempts that I sent by certified mail. I finally spoke with someone a couple weeks ago and was told I would be getting information to get this account investigated and removed to only get a blank if theft affidavit. Not to mention that I have already sent to them several times. This company has really just been running me around with no intention to help me get this resolved.

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: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXXXXXX 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 XXXXXXXX pulled my credit over 30 times without my consent it is hurting my credit score significantly please assitit with removing these hard inquires.

Fair Credit Reporting Act ( 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 2024-12-25 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I used capital one shopping extension located here https : //capitaloneshopping.com/ I made purchased during XXXX XXXX and was able to rack up legally XXXX worth of capital one cashback to be able to use to redeem for gift cards. The second i tried to redeem some of my balance for a virtual gift card they banned me. In the email all the said was i was a reseller ( assuming ) without asking me for invoices or proof or anything. Then banned me and said oh well to bad we cant help you cause we think you're a reseller. Which is utterly insane they just stole XXXX worth of balance from me just because they felt like it. And worst is they got paid their end of the cashback and now profited off my end of the cashback so they made double the money off me and get to run off free and for me to suffer. If you check on XXXX and XXXX im not the only one they're doing this to. Its very sick practice theyre doing here, its total scamming customers that are legally buying products for cashback.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I reviewed my consumer report, I noticed charged off and collection accounts. These accounts have been deleted from XXXX which report to Experian, XXXX, XXXX. The information being reported is inaccurate and is a result of fraud. I did not give any written consent to XXXX, XXXX, XXXX  and XXXX XXXX to open any accounts in my name. This is a violation of my privacy and I demand these accounts to removed.

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