vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
AM XXXX XXXX XXXX XXXX SINGLE WOMAN AND I AM SUPPORTING XXXX SMALL GRANDCHILDREN ON WELFARE. I WAS TAKEN ADVANTAGE OF AND TOTALLY SCAMMED. PLEASE HEL> ME GET MY MONEY BACK PLEASE. This all started on XXXX XX/XX/XXXX, My good family Friend named XXXX XXXX posted that she made XXXX profit with only XXXX down on bitcoin/XXXX XXXX When I started to ask XXXX if this was for Real, XXXX stated yes this was 100 percent legit and she has made money with the XXXX XXXX since XXXX. 
The Scammer in Question is listed as XXXX, XXXX. I went back and forth with XXXX XXXX who assured me this was legit and that this was her i was speaking to. Since i was XXXXXXXX XXXX in XX/XX/XXXX from a 30 year career in the XXXX industry and since my rent is so much money in XXXX XXXX California, I was really needing the money and of course since my good friend told me to do this i invested all the money i had in my 401k account and started withdrawing money, getting cash from ATM, XXXX from one account to the other, sending money to XXXXXXXX  and then from XXXX to a scammer called XXXX XXXX XXXX, i also sent XXXX cash thru a XXXX XXXX XXXX XXXX all this time thinking i was good and going to ma money because my good friend was vouching for this XXXXXXXX XXXX The final straw came when the scammer showed me my money in XXXX XXXX and showed me that i had made XXXX profit. Thi really excited me however they sent me an email stating that i was gold Status and would need another XXXX to get the XXXX out of the XXXX XXXX  account. That's when i said this is not right, and I tried contacting my Friend XXXX XXXX, no answer on the phone, or XXXX or XXXX XXXX, I finally got a hold of XXXX XXXX  daughter XXXX who had XXXX call me right away and XXXX said her XXXX  account had been hacked for the past two weeks and that i was not speaking to her and that she didn't know any XXXX or anything about Fore ealized then I had been scammed and i started crying so hard because this was all the money I had. I immediately told XXXX that i was on to her scam and she totally blocked me, I see that XXXX  is still on XXXX  and has not been taken off. I called my local police department and they said i had to file a complaint with the FBI which i already did and I am doing again. I realize i am not a high profile case but losing this money is a really big deal to me. 
Please this has taken a major tol on my mental and physical health please help get my money back Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/2023 I made a call to customer service to Ally Bank and they entered incorrect info and locked me out of my account. Many attempts were made to have access and were denied due to identity concerns. Ally Bank allegedly closed my account and placed funds in isolation and claim that the other bank, XXXX has to claim the funds to be returned to the original account from where there were transferred. XXXX denies that is the procedure and they have me in a he/she says back and forth without offering solid solutions.

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 2023-04-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: AL

Complaint narrative:
I have a HELOC with US Bank which are started back in XX/XX/XXXX. I have posted payment the first week of every month. I have late fees in XX/XX/XXXX and XX/XX/XXXX. The bank stipulated because I made the payment the first week of the month before the statement processed that the payment went to principle which made it look like I didn't make a payment. I talked with more that six different representatives and a manager over the last 2 months to correct this. The months I didn't get a late fee is because the payment was within the 5 day grace period according to the Bank. My normal payment is around {$1500.00} and I have always paid more than the balance due. This month showed a due amount of {$3800.00} for XXXX XXXX XXXX. The Bank supervisor on the phone said it can't be changed. This is not my fault and was never told to make payments after the 6th of each month. I made all of my payment online. I paid {$3900.00} on the XXXX because of what the Bank stipulated and I didn't want to ruin my credit with a past due amount over 30 days. This was not my fault and I have been making payment ever month.

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 2023-04-22 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:
This complaint will be my follow-up to my previous complaint that contains these disputed accounts : XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} I want the aforementioned accounts to be deleted for they are misleading and erroneous

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I purchase the monthly for Experian, XXXX and XXXX. I have built my credit up very good in the past year and a half and it reflects well on XXXX website and also XXXX. It even shows experian as higher than actual on the XXXX and XXXX but not solely Experian. Experian has my credit score as extremely low and also the other two bureaus. Its a large contradiction and Experian doesnt reflect correctly as the other two. This costs me big with loans for my business, trying to by a home and the mortgage people purposely use Experian since its always the lowest score so they can have an excuse to give higher rates. Its a sham and it needs to stop. Why isnt the Government helping all of us citizens out to hold Experian accountable for their bad practices and algorithms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: PA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXXXX/XX/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 2023-04-22 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: PA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: FL

Complaint narrative:
I have tried countless of times to contact them and let XXXX XXXX and XXXX know its not me they dont respond to me but lie and say they do and send papers in the mail which they dont I have shown them the ftc report and told them to stop reporting this false account to my name Im mentally stress from this situation I have called them emailed and mailed information regarding this matter they are a XXXX XXXX  company that believes in cheating American citizens once again I have shown them the ftc 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 2023-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
I was trying to sell a treadmill I have on XXXX for {$200.00}. The buyer sent me {$200.00} through Zelle pay I had with my XXXX XXXXXXXX account. Zelle held my {$200.00} and would not give it to me until the buyer sent me another {$300.00} through Zelle pay and then I had to send the {$300.00} back to him or they would hold my {$500.00}. So I sent the {$300.00} back to him and now Im down {$500.00}. They still are holding my {$500.00} until I send the buyer {$500.00} because they said I have to open business account and I have to pay {$1000.00} for business fees and they will give me my {$1000.00} back. So I wanted my money back so I sent the buyer {$500.00} and now Im thinking Im going to get my {$1000.00} back and they said no you need to send this agent {$1000.00} at XXXX  and we will send you {$2000.00}. I dont have {$1000.00} to send the XXXX account and I lost my last {$1000.00}. The buyer blocked me and did not purchase the treadmill so I lost {$800.00} my rent money. I have no money now. Zelle refuses to give it back to me and they kept emailing me asking me for my bank account numbers the front and back of my debit card and my PIN number. I said no just please give me my {$1000.00} back. They stopped messaging me. I disputed all the transactions with XXXX XXXX and they refuse to give me a refund also to my bank account. They said they have to talk to Zelle first. Zelle is no response and XXXX XXXX said I have to wait XXXX business days for investigation. I have all the emails to prove this. I need my money back. Please I repeatedly told them I dont need a business account I am only selling one thing because Im a XXXX mom and I need cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: GA

Complaint narrative:
This is my 2nd 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  : - XXXX XXXX XXXXXXXX XXXX  : {$4400.00} XXXX, XXXX XXXX XXXX  : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX BL XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX {$4400.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX I XXXX XXXX  : {$1600.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXI Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX  : {$470.00} XXXX XXXX XXXX : {$1600.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX Account XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX The inquiry was not authorized I sent a letter the credit bureaus to do an investigation into my credit report to validate the accounts on my credit profile. I received a response stating that after the investigation that the accounts were all validated and updated. I viewed my updated report and even after their investigation there were still inaccuracies and inconsistencies on my report. 

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 that person knows or has reasonable cause the information is inaccurate.

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 2023-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hi good evening my name is XXXX XXXX XXXX I noticed a unauthorized transaction on XXXX XXXX Here it is on XXXX XXXX a fraudster hack my mobile carrier ( XXXX XXXX ) and port out my number without my knowledge and he used that phone number to login to my bank of America online banking and made a XXXX transfer of {$3500.00} without my knowledge. 
I reached out to my bank couple of times they are denied my request couple of times I checked my online bank activity, it clearly shows that my online banking was logged in from a different device I tried to pass this information to my bank but my bank is keep denied my request Can you please help me here, everything was done with out me knowing

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 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is an inquiry I have no idea where it came from or who did 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 non-monetary relief
Consumer complaint received 2023-04-21 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: GA

Complaint narrative:
XXXX XXXX XXXX  {$5.00} XX/XX/ XXXX  XXXX XXXX XXXX {$64.00} XX/XX/ XXXX XXXX  {$190.00} XX/XX/2XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/ To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 15 U.S. Code 1692g - Validation of debts I DO NOT RECOGNIZE HOW THIS ACCOUNT IS REPORTING ON MY CREDIT REPORT, I DON'T RECOGNIZE THE ACCOUNT NUMBER, I DON'T RECOGNIZE THE ACCOUNT STATUS, I DON'T RECOGNIZE THE ACCOUNT HIGH BALANCE NOR DO I RECOGNIZE THE LATE PAYMENT ASSOCIATED WITH IT EVERYTHING REPORTED HERE DOES NOT MEET THE FCRA. ALSO ITS CANCELLED DEBIT THE COMPANY HAS FILED IT ON THEIR TAXES BUT THEY ARE ALSO REPORTING IT ON MY CREDIT REPORT AS DEBIT THE IRS MENTION THAT ITS CONSIDER AS ORDINARY INCOME A 1099C THAT MEAN ITS AN INACCURATE ACCOUNT THAT IS FURNISHED ON MY CREDIT REPORT AND I HAVE PROOF TO WHY IT SHOULD BE GONE ITS ( CANCELLED DEBIT ) THE IRS ALSO MENTION COMPANY WAS SUPPOSED TO SEND A 1099C FORM SO I CAN FILE THE ORDINARY INCOME THAT IS A VIOLATION 15 USC 1681eb it speaks on maximum accuracy of the consumer report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: GA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX Balance XXXX {$2600.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00}

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 non-monetary relief
Consumer complaint received 2023-04-22 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: GA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX Balance XXXX {$2600.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$120.00} XXXX  XXXX Balance : {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: PA

Complaint narrative:
On todays date, I reviewed my credit report for Experian. I noticed that there are names listed incorrectly on my credit report. My legal name is XXXX XXXX XXXX however ; the names that are listed is XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and several more. I am asking any other names other than my legal name be removed as I never provided this information. On credit report it has a listed spouse name XXXX no last name but I have never been legally married. Please assist me with removing this information.

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