vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: KS

Complaint narrative:
I received a random message from a lady XXXX from California to discuss cryptocurrency investment and having more growth opportunities in the future. I wasn't interested at first and somehow got convinced after continuous follow up. I started doing this with a minimal amount of XXXX  . This is the company this lady referred to me and it is a crypto trading platform. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I set up the account and did trading. And, Invested in their staking options. All were going well, and able to withdraw the crypto and convert it into XXXX and deposit it into the bank account. It proved to work end to end. So, I believed more and started investing more. I was influenced to invest more to make more money as part of the XXXX merger that happened in XXXX 
I invested about XXXX, and the lady lent me XXXX thru crypto and did trading, and my account was more than XXXX in the middle of XXXX. This lady XXXX also funded me as XXXX XXXX. The deal is to use her as a referral so she will get the bonus benefits, and also, I should be paying back her fund as i start getting the staking bonus every day. I have been doing this for a month. Meanwhile, there was an offer from the crypto company that if I invested more than XXXX, I would get 50 % of that as an investment bonus. Also, this lady said she could help me pay XXXX. So, I agreed to invest XXXX to get a bonus of XXXX. She paid only XXXX and the remaining, and she can't help due to cash flow issues from her side. So, she continuously pushed me to pay the XXXX to get the bonus before the due date. I did it and got the bonus, and currently, my account shows XXXX. I tried to withdraw XXXX, and the issues started. They locked my money, claiming I was using another account and using the same device to login and committing fraud with their system and I was asked to pay XXXX as a penalty which is XXXX XXXX of XXXX profit I received. I reached out to their customer care ( only via chat and they don't have direct contact ph number ), and asked if they could deduct from my existing money and pay back the remaining, but they refused and asked me to pay the XXXX to withdraw the money. This is where I started as a victim, and here I am now. 

I sent all my crypto coins via crypto.com XXXX deposit thru crypto XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX Total= {$290000.00} I have created a dispute against this issue using XXXX. This is a paid service and I have already paid XXXX as an advance to create a dispute against my case to recover my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
At XXXX on XX/XX/23 my Bank of America credit card ( Customized Cash Rewards Visa Signature ) was fraudulently used at the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX to make two purchases. The first for {$2000.00} which was declined and the second for {$4400.00} which was approved by the merchant. Ive filed a fraud dispute for both transactions with Bank of America support but only the first transaction for {$2000.00} was approved, and they have declined and tried to charge me for the second fraudulent purchase for {$4400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX auto leasing company is still consistently reporting a NON COLLECTABLE debt on my credit report. They have called me leaving me messages to call them to settle this debt. I have voluntarily surrendered the vehicle in good condition. Please remove this from my credit report immediately

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 2023-04-26 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: KY

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: KY

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

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 2023-04-26 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: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I've asked the credit. bureau to disputed these debts that was reported on my credit report the lack of response to my dispute is a violation a 15 U.S. code 1692g which stipulates that debt collectors should provide documentation proving that these are my debts. It's also important to know that reporting of this debt is a blatant violation of the FDCPA 1692g as it was reported to TransUnion even though I did not receive any written notice of it. The reporting of this inaccurate and unverifiable debt and my credit report is also a disregard of FCRA section 623 ( a ) ( 1 ) ( a ) which requires that only accurate information is sent to the credit bureaus. I have attached the dispute letter that I sent to the Credit Bureau that contains the unverifiable debt that needs to be deleted by the credit bureau.

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 2023-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: BLINCLOANS, INC.
State: AZ

Complaint narrative:
Called in to XXXX Blinc I am a long time on time paying customer spoke to a rep names XXXX XXXX requesting a refinance explained to her that I was laid off for several months but continued to make my payments on time and that I just started back working XXXX and wanted to set up the allotment to start refinance she said all I needed to do was add their routing and account number to my employee direct deposit I finally did reached back out to get the process started only to be told by another specialist I dont qualify I then requested a supervisor spoke to XXXX XXXX XXXX XXXX he assured me he would call me back same day XXXX after speaking to their IT dept for an override he never called back I explained to both XXXX XXXX XXXX that payments were still being made on time even after my layoff they both agreed XXXX throughout the course of helping assured me all I needed to do was add the routing and account number and the refinance would be processed then on yesterday XXXX after being added it was oh we cant help you need XXXX consecutive allotment payments made on time I said I want told that this entire time I only have 2 payments left why would I add them when I could just continue to pay out my personal account if I couldnt refinance received an auto reply email that stated you just needed XXXX on time payments the word allotment was never mentioned so technically I qualified. Ive made several email and a phone attempt to speak to XXXX today because I never heard back and they have gone unanswered. XXXX admitted to setting up the wrong expectation and tried to apologize its too late I am in need until I get about 2 paychecks from my new employer and the supervisor has yet to respond. I have proof of the auto reply email and conversation between XXXX and I again why would I go through the trouble of having my new employer add XXXX Blincs routing number and I only have 2 payments left starting XXXX  I could have kept paying out my personal account I only had it added for refinance purposes this company needs to do the right thing and honor my request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX CHILD SU XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I closed my CD account on XX/XX/2023. The amount is XXXX dollars. The bank is Citibank and they keep giving me the same line for months. It goes like this, " It seems the check has been lost. We will put a stop on the check and send you a new one. '' They have done that to me over 4 times. One time they told me to wait for 30 business days. It is now XXXX and still no check. Please help me.

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 2023-04-26 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: MS

Complaint narrative:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1200.00} XXXX  ( Original XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/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 2023-04-26 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: MS

Complaint narrative:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1200.00} XXXX  ( Original XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor CITICARDS CBNA has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had hard inquirys I did not authorize 1.XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/2022 3. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 4. XXXX XXXX ( Retailer ) XX/XX/2022 5. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 6. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 7. XXXX ( Construction ) XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have reached out to trans union several times regarding inaccuracies on my credit report from a company called XXXX XXXX XXXX account number XXXX. And each time trans union has reported that the account Is accurate I am up loading documents to support that the account should be deleted from trans union. If the account in question can not be verified under F.C.R.A law that account must be deleted

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 2023-04-26 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: KY

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

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 2023-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: IA

Complaint narrative:
I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against CAPIA PARTNERS ACCT # XXXX. I reject your offer to contract I did not consent to any nonaffiliated third party CAPIA PARTNERS ACCT # XXXX to be in possession of my Nonpublic Personal Information. I never gave permission to CAPIA PARTNERS use or to be in possesion of any of my identifying information. This is a Violation of GRAMM- LEECH- BLILEY ACT XXXX FDCPA STATES THAT CAPRIO PARTNERS SHPOULD HAVE MY CONSENT TO CONTACT ME PRIOR TO CONTACTING ME WHICH THEY DO NOT HAVE. I don't even know who they are or why there harrassing me. This is a notice to cease and desist all illegal activity and communications. I am not requesting validation of any alleged debt as I KNOW NOW that by them obtaining my Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. XXXX XXXX XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO CAPIO PARTNERS AND CAPIO PARTNERS BOUGHT MY NON PUBLIC PERSONAL INFORMATION ". Based on that I now have reason to believe that THEY ALL are conspiring against me trying to collect on a EXTENSION OF CREDIT through UNLAWFUL extortionate means. There is no TRILATERAL CONTRACT BETWEEN US THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY CAPIO PARTNERS. THE FAIR DEBT COLLECTION PRATICES ACT ( FDCPA ) AND THE FEDERAL TRADE COMMISION ( FTC ) AND CFPB WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM THESE PRATICES. CAPRIO PARTNERS DO NOT TRY TO PUT THIS ALLEDGED FALSE INFORMATION ON MY CONSUMER REPORTS. I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED, AND ENFORCED AND IM CALLING ON THE CFPB TO ENFORCE AND POLICE MY CONSUMER FEDERAL PROTECTION RIGHTS. I DONT OWE THE CAPIO PARTNERS ANYTHING AND UNDER HIPPA LAWS CAPIO PARTNERS SHOULD NOT HAVE RECORDS OF ANY MEDICAL PROCEDURES PERFORMED THEY ARE NOT MEDICAL PROFESSIONALS AND DO NOT HAVE RIGHTS TO MY PRIVACY. CEASE AND DESIST ALL COMMUNICATIONS NOW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo late or missed payment but wasnt also credit card

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