vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year>, I sold XXXX watches from XXXX XXXX ( face to face transaction ) to XXXX XXXX. Transaction done using XXXX XXXX. 
After 2 days, XXXX contacted me saying that XXXX watches were fake ( at the same time he inspected this items himself ). XXXX item was in the original box and fully authenticated ( purchased from the store several years ago ), the second one purchased through XXXX and went through full authentication process as well. 
XXXX told me that he is re-seller and looks like after the purchase, he decided to pull back so, I told him to provide me documentation for each manufacturer of the watches ( XXXX and XXXX ). I never got that documentation. 
XXXX month later we got notified by XXXX  that the buyer opened a case and locked all money from this transaction by his credit card. We contacted XXXX and send them All proofs on items authenticity, receipts, communication, everything The buyer ended up getting all his money back plus all my items. 
XXXX  now trying to put us through collection agency ( there is around {$900.00} for this transaction ). 
We complained several times and tried to escalate it to XXXX but got no luck. The buyer got our watches and money back and we need to pay back!!? 
WE need your help please. 

Please see last communication from XXXX : XXXX regarding request # XXXX Outcome : XXXX, We sincerely apologize for the inconvenience caused. 

As you know, we received chargeback XXXX & XXXX. We disputed this chargeback on your behalf, but the credit card company, not XXXX, decided the final outcome. 

Unfortunately, XXXX did not win the dispute of the chargeback with your senders credit card company, and we are unable to dispute this further on your behalf. 

We're sorry you experienced a problem with this transaction, and we encourage you to contact the sender directly to reach an amicable resolution. For the Terms and Conditions of XXXX XXXXXXXX XXXX, click Terms at the bottom of any XXXX webpage. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal complaint concerning the inaccurate and incomplete information that has been reported on my credit file by Equifax, which I initially raised with them on XX/XX/XXXX, [ XXXX ]. Despite my concerns, the matter remains unresolved. I am requesting the Consumer Financial Protection Bureau 's assistance to address these issues under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I forwarded a letter to Equifax regarding the following accounts, which have been inaccurately reported and appear on my credit report : XXXX XXXX XXXX Account Number : [ Insert Account Number ] Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : [ Insert Account Number ] Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Account Name : U.S. DEPARTMENT OF EDUCATION U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Account Name : U.S. DEPARTMENT OF EDUCATION Under the Fair Credit Reporting Act ( FCRA ), I am entitled to the right to dispute inaccurate or incomplete information on my credit report. Specifically, FCRA Section 611 ( 15 U.S.C. 1681i ) requires that consumer reporting agencies investigate disputed information, typically within 30 days, and correct any inaccuracies or incomplete information. My efforts to resolve this matter directly with Equifax have not yielded any meaningful action or correction.

Furthermore, Section 602A of the FCRA ensures that consumer reporting agencies maintain accurate, timely, and complete credit reporting. By continuing to report inaccurate account information, Equifax is in violation of my rights under this law. 

Despite my timely submission of the dispute to, Equifax the listed accounts still appear with inaccurate information, which is severely affecting my credit score and financial well-being. The lack of resolution from Equifax regarding these accounts is causing undue harm, and I am requesting the CFPB to assist in enforcing my rights under the FCRA and ensure the inaccurate information is properly addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
The date XX/XX/year> reported as last payment is inaccurate. The date shows XX/XX/year> payment history shows OK Not only is the date of last active incorrect, XXXX XXXX has provided a cancellation of debt ( 1099C ) for this account and no longer should be reporting on my credit report with TransUnion. This account has now become income with the IRS and income can not be reported on a credit report per the FCRA. XXXX and XXXX, have both removed this account from my reports after their investigations. Attached is a report showing the account removed from all other bureaus as well as a copy of the 1099C and a copy of my report showing the inaccuriaces. This inaccurate information falsely manipulates my credit worthiness and its hurting my abilities to obtain credit. TransUnion failed to investigate this account properly after I repeatedly asked to have the account correctly updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the the follow account : Account Name - XXXXXXXX XXXX Account Number : 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-02-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Block, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Cash App ( Square , Inc. ) regarding unauthorized transactions that occurred on my account and Cash Apps failure to issue a refund within the promised timeframe. Despite my repeated efforts to resolve this issue, I have not received my funds, causing me significant financial hardship.

Incident Details : On XX/XX/XXXX, my phone was stolen while I was on vacation in XXXX XXXX. 

The thief gained access to my Cash App account and depleted my funds from my linked XXXX XXXX XXXX account through unauthorized transactions. 

Upon discovering the fraud, I immediately reported the issue to both Cash App and XXXX XXXX XXXX and provided all necessary documentation. 

Cash App initially acknowledged the fraudulent transactions and assured me that my case would be resolved within XXXX business days. 

As of XX/XX/XXXX, Cash App has exceeded this timeframe and has not refunded my money, despite my multiple follow-ups.Violations and Consumer Harm : 1. Failure to Prevent Fraud Cash App allowed unauthorized transactions without proper security measures in place. 

XXXX. Failure to Investigate and Refund Promptly Cash App committed to resolving the issue within XXXX business days, but they have failed to do so. 

XXXX. Financial and Emotional Hardship The delay in refunding my stolen funds has caused me financial distress and unnecessary frustration. 
I provided them a police report and information about my replacement of my phone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX Deposited a Settlement check in the amount of {$15000.00} through the ATM. On XXXX it cleared. I started paying bills on XXXX. By the evening my card was declined and after calling XXXX my account was also blocked. I was told by BMO that their was a fraudulent hold on my account. No reason why but directed me to call the Fraud Department the next day XXXX. I did and I was told that there was a fraud investigation in process so to the check that I deposited. Later after requesting to speak to a supervisor, I was told it was because they did not recognize the check and it could take up to 30 days to verify. I was also directed to send all documents to the Fraud Department that pertains to the check. I was given to different emails which the first one was wrong. I felt so embarrassed and was treated like I was trying to process a fake check. My branch has continuously apologized for what was and is happening now. I have had my account for 7 years with no issues and my account has always been in good standings. Now I am being treated like a criminal. How do I pay for the rest of my bills?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The accounts that are still in pending litigation on my credit report have been a constant source of frustration. Ive made numerous attempts to get this corrected, and nothing has been done. Its maddening that Im still dealing with this issue, especially since its unfairly hurting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Creditors has failed to fulfill it legal obligation under the fair credit report act ( FCRA ). To conduct a reinvestigation of disputed information on my credit report, leaving inaccurate unverified accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, one of the three participating credit bureaus, alleging systematic issues such as failing to forward consumer-provided evidence to furnishes, excepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian corrected nor removed disputed items despite the evidence provided causing undoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inactions violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( XXXX XXXX XXXXXXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: VA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Identity Theft & Credit Reporting Errors To Whom It May Concern, I am writing to formally file a complaint regarding fraudulent activity on my credit report and Experians failure to properly investigate and remove inaccurate information. I recently discovered that my ex-fiance, XXXX XXXX, used my personal credit information to order products that were delivered to XXXX XXXX XXXX, XXXX, Virginia XXXX address that does not belong to me. It was her home and she has since moved, leaving me as a victim of fraud. 

In addition to this fraudulent activity, my credit report contains incorrect names and addresses that I have never used, including : Fraudulent Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Addresses : XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX disputing these inaccuracies with Experian, they have failed to properly investigate or remove these fraudulent entries, causing significant damage to my financial reputation. I am writing as a victim in connection with the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against Experian, filed on XX/XX/year>. This lawsuit alleges that Experian has : Failed to properly investigate consumer disputes Failed to provide consumers with adequate notice of dispute outcomes Failed to delete inaccurate information from credit files Failed to prevent the reinsertion of previously deleted information Failed to convey consumers ' disputes fully and accurately to furnishers Routinely accepted the responses of data furnishers without proper scrutiny

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
Pertaining to code XXXX XXXX  not to get debt without my knowledge especially if given by identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : FactorTrust XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that i have marked as inaccurate : 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