vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BlockFi Inc
State: CA

Complaint narrative:
Blockfi is still sending me communication regarding their fraudulent bankruptcy case, and asking me to make payments to them despite all the previous attempts I have made to get them to stop. I have been extensively harassed as a result of Blockfi 's criminal actions and suffered damages FAR in excess of what they claim in the bankruptcy. I will not accept anything from Blockfi 's fraudulent and coercive bankruptcy, and I will be sueing them as part of a much larger lawsuit in the future. They are currently conspiring to committing securities fraud as the intent of the bankruptcy plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit card or prepaid 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: OR

Complaint narrative:
I filed a previous complaint on this but Citibank failed to respond to the issue and addresses something else in error. I need them to respond to the charge that was fraudulently made by the merchant on XX/XX/XXXX, not the other issue in XXXX of XXXX. 

I have read through the response from the Citi Executive Response Team. Their statement of fact is incorrect. Their records, as stated, are also incorrect. Their letter, regarding a dispute from XX/XX/XXXX, is not the dispute to which I am referring. Their statement that the credit was issued on XX/XX/XXXX for this XXXX dispute is correct. Again, this is a different transaction than the one I disputed on XX/XX/XXXX. The issue here is that on XX/XX/XXXX the merchant ( XXXX XXXX  XXXX WA ) fraudulently charged my card AGAIN for the amount of {$220.00}. This was a second, unauthorized transaction. My assumption was that when the original dispute was found in my favor the merchant still had my credit card information and ran a second ( again, unauthorized fraudulent charge ) on my account. After that XXXX XXXX cancelled my card at my request and issued a new one with a new account number. So again, the Citi Executive Response Team was incorrect in that this dispute ( XXXX XXXX, XXXX ) was regarding the charge on XX/XX/XXXX. The correct charge that the XXXX XXXX dispute was for was the fraudulent second charge by XXXX on XX/XX/XXXX. 

I have attached a copy of Citibank 's erroneous response from my previous complaint for the record. I have also attached a copy of the statement with the charge highlighted. Again, this is NOT the XXXX issue, this issue is seperate.

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 2023-08-03 00:00:00
Product: Credit card or prepaid 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: TX

Complaint narrative:
On two occasions this year I had fraudulent charges made on my credit cards that I immediately notified my credit card company about but in both cases I was told that a chipped card was used so could not have been fraudulently used so my claim of fraudulent charges were denied. First time was with my Citi Visa card on XXXX at my local XXXX grocery store for over {$600.00} and the second time was at the same XXXX store with my XXXX XXXX on XXXX for almost {$300.00}. In both cases, I had purchased gasoline at this same XXXX store before the fraudulent charges were made ( the same day for my Citi card and one month previously for my XXXX card ). In both cases the credit card company said that because my card 's EMV chip was used and the card was in my possession ( I am certain of that ) then the claim was denied because chips " are unable to be fraudulently used ''. XXXX did not respond when I sent them details of what had happened. Clearly criminals have learned how to fraudulently replicate chipped cards and I really would like to discover how many other people have had this same experience with their credit card companies when they report the fraudulent use of their credit cards that have an XXXX chip and have been denied recompense by the credit card company. These companies are denying the vulnerability of these chipped cards which puts the consumer at a huge disadvantage.

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 2023-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have made multiple attempts to have LVNV Funding remove these collection accounts from my credit report - through LVNV representatives, XXXX XXXX XXXX, and the credit bureaus. However, the accounts remain. 

I have never had an account through XXXX  XXXX ( in fact, I thought it was the same as XXXX XXXX prior to researching ). XXXX XXXX confirms that the accounts no longer show a balance with them, however, the accounts show a balance with LVNV Funding despite my attempts to dispute the validity of the debt due to what I can only assume is identity theft. 

I do want to mention that there have been NO issues with the communication tactics of LVNV - in fact, they have always been pleasant and offered a variety of contact methods without being pushy or mean. However, there seems to be no recourse for me to dispute this debt other than via this avenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX Open Date XXXX XXXX I have been ignored from both the creditor and the credit reporting bureaus. I have file a dispute and no investigation was opened and nor results were sent to me. I also had attached a police report for the fraudulent accounts and incorrect information reporting.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX Open Date XXXX XXXX I have been ignored from both the creditor and the credit reporting bureaus. I have file a dispute and no investigation was opened and nor results were sent to me. I also had attached a police report for the fraudulent accounts and incorrect information reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2021 I was tricked by a caller who told me he was from Bank of America and he was confirming an upcoming XXXX transfer. He knew all of my personal information as well as account information. He told me he'd help me to protect my money before the transfer, then went on to help me transfer {$10000.00} out of my account to his. This is a well known XXXX scam. Bank of America has paid back others for this. I wrote to Bank of America and called several times only to be turned down for a refund for the {$10000.00}. I am a small business owner and this was my business 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 explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have several hard inquiries and accounts fraudulently opened in my name after XX/XX/2019 2019

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, 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:
I have several hard inquiries and accounts fraudulently opened in my name after XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.

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 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2023 I closed my account with US Bank however, my employer, on XXXX XXXX deposited a check into that account that I no longer have access to. What the bank was supposed to do was reject that money and send it back to my employer so that I can receive it. However, this didnt happen instead, whoever was in charge of closing my account did not do it properly and they took my money and I had no knowledge of it. So I tried to resolve the problem by calling their customer service and they just keep transferring my calls and hanging up on me. So then I went to a US Bank office where the teller tried to help me and locate my money and he was able to call someone and they told him that the money was somewhere in their system somewhere in their accounts that they had to look for it and basically just dont know where my money is just that they have it. Now I keep calling and asking for update, but they just been very unhelpful and dont seem like making an effort to return my money and the amount of the check was XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am not liable for this debt with LVNV Funding LLC. They will not, can not provide me with any type of original, authentic paperwork, application stating such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: HI

Complaint narrative:
I had approximately XXXX in my account and charged {$75.00} at XXXX on my debit card linked to my personal checking account. Also XXXX, the lender that sometimes is helpful when purchasing larger items like cell phones, charged me {$99.00} bi-weekly rather than the expected monthly billing cycle- so this caused me to nearly overdraft my account- but on XX/XX/XXXX I had over {$100.00} in my account. However, I was charged three overdrafts for {$36.00} which led to me being negative {$4.00}. The next day an unexpected XXXX purchase ( {$140.00} ) - which shipped earlier than expected -came out for {$140.00} and then an additional overdraft fee was charged, in all fairness, possibly the only overdraft fee that could have been considered a fair amount to call for an overdraft fee. **I might have actually overdrafted once for the XXXX XXXX, which was unexpected - however, because my bank charged me three overdraft fees on XX/XX/XXXX when I would not have been overdrawn at all this/it caused me to get four total overdraft fees. 
Additionally, I was attempting to have {$1000.00} wired to my checking account that day from my XXXX XXXX investment account, and I was told by Truist Bank 's representative, who was offshore in XXXX, on the phone that it was an multiple day waiting period/international wire - no matter how many times I explained to her that I was wiring it from XXXX XXXX XXXX  in XXXX XXXX to Truist Bank in XXXX - and this caused an additional days delay or there would have been no overdrafts. 
For several years, there has been an element of international intrigue involved in these extraordinary renditions wielded upon me by my 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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In XX/XX/XXXX, I received acknowledgement from Experian that my credit report was in security freeze status. I received an updated credit report recently from Experian showing a number of soft inquiries from the following companies. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX ( no phone number, duplicate inquiry ) Experian XX/XX/XXXX XX/XX/XXXX I did not lift the security freeze during any time after XX/XX/XXXX and Experian acknowledges that I am in security freeze status today as of this complaint. 
I did not authorize any of these companies to do a hard or soft credit inquiry. Experian shared my private information without my knowledge or consent. 
I sent two letters, one with instructions and the other about the soft inquiries, see attached files..

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 2023-08-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I attended several for profit schools. Navient currently handles my private student loans in the tune of XXXX dollars. My private student loans should have been covered under the class action lawsuit brought against Navient for their illegal practices. 

The original loan balance was XXXX dollars and now it XXXX XXXX. Navient has proven to be a criminal enterprise that prays on peoples with these predatory loans. 

I was told that my loans did not qualify for forgiveness because I was in bankruptcy at the time of the lawsuit was in place making my loans current. Had I not filed for bankruptcy my loans would have been part of the discharge. 

Im hoping you can help resolve this issue and do the right thing and stop this criminal enterprise from further ruining my life as well as everyone elses life who are in the same situation. 

Please look into this and help with a resolution. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX **** have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Inquiries and late payments wont come off my 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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, 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 have never had a credit card with XXXX XXXXXXXX XXXX, yet there is an account showing on my credit report as a secured card with a balance of {$430.00}. The address associated with it is an address I have not lived at for several years. 

I was assured this balance would be removed several months ago ( in the height of COVID ) yet to date, the account still appears 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 non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, 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 have never had a credit card with XXXX XXXX XXXXXXXX, yet there is an account showing on my credit report as a secured card with a balance of {$430.00}. The address associated with it is an address I have not lived at for several years. 

I was assured this balance would be removed several months ago ( in the height of COVID ) yet to date, the account still appears on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have never had a credit card with XXXX  XXXX XXXX, yet there is an account showing on my credit report as a secured card with a balance of {$430.00}. The address associated with it is an address I have not lived at for several years. 

I was assured this balance would be removed several months ago ( in the height of COVID ) yet to date, the account still appears 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 non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: SC

Complaint narrative:
During the months of XXXX and XXXX of XXXX  several XXXX payments was made unauthorized to a XXXX XXXXXXXX on my chime account I disputed the charges and complaints because someone had hacked my XXXX account and they denied my dispute and this person got to keep my funds

Company response to consumer: Closed with explanation