vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/2016 To Whom It May Concern at the Consumer Financial Protection Bureau , I am writing to file a complaint under USC 1681a2 regarding fraudulent activity on my credit report. I recently discovered that there have been unauthorized charges made on my account with [ XXXX XXXX  ], and I believe that my personal information may have been compromised. 

The fraudulent activity has caused significant harm to my credit score, and I am deeply concerned about the potential impact on my financial wellbeing. I have taken steps to address the issue by reporting the fraud to the creditor, filing a police report, and notifying the credit reporting agencies. 

However, the fraudulent charges and related information continue to appear on my credit report, despite my attempts to dispute them. This is a clear violation of USC 1681a2, which requires credit reporting agencies to ensure that the information they provide is accurate and complete. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that my credit report is accurate and free from fraudulent activity. I am also requesting that any incorrect information be removed from my credit report and that any accounts opened fraudulently in my name be closed immediately. 

I am committed to taking whatever steps are necessary to protect my financial wellbeing and prevent further harm from this fraudulent activity. I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, 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 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
so i have been trying to get my personal information corrected since 2021 i have sent dispute after dispute and the reporting agency refuses to update my information to the correct information they are violating my rights under 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). the credit agencies are not reporting my infomation at 100 % accurate and every attempt of contacting them has been met with silence

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 2023-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: WY

Complaint narrative:
Square is withhold g money that was paid to me for legal services. Square has requested invoices for confirmation, which had been provided on multiple occasions. Upon rejection, no reason was given as to what was missing or what additional information was needed in order to access my funds. Finding customer service was extremely difficult, and once contacted they indicated a number of things that invoices require and some that were optional, yet made no reference to what specifically was incorrect or insufficient, particularly as all mandatory portions of the requested invoices were delivered to them. There is also no prior notice of these verification procedures to be found anywhere upon enrollment in the service. Up to that point it is really just poor customer service. 

HOWEVER, Square also offers checking/savings accounts. It is my belief that square is making this matter unreasonably difficult as a cross-selling strategy for their banking products, all while profiting on what amounts to an interest free loan of the money they are withholding. They are manufacturing problems for their customers, then offering these banking products as the solution in a predatory manner, particularly as their advertising and products are targeted at small business owners, such as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: Block, Inc.
State: FL

Complaint narrative:
I am a XXXX woman, i receive money from my husband to purchase household items i always use delivery services, i receive all my money from indiviuals who usually help us out. on yesterday XX/XX/XXXX my husband sent me {$100.00} to make household purchases as soon as i got ready to use the funds cash app took {$90.00} from me when i checked it stated that i had purchases from XXXX, now i knew i hadnt use XXXX in baout a mouth had no pending charges what so ever so i called XXXX, once as i proceeded to give them my info they asked me how did i pay i informed the woman whom name is XXXX that i made my purchase with my cash app card she stopped me and started reading me a statement that they had received from cash app stating that they had a glitch in they system in XXXX and the clients that had used they service were affected by this and if the called in to refer them to cash app support.si i called cash app support after being hung up on 3 times telling me i made the purchases to dispute with my bank, it had nothing to do with them the problem is ihave no bank account theres no bank affliated with my cash app account i only receive money from family and friends so on the 4th try i was able to speak to a male named XXXX and cash app he informed me that indeed there was a glitch and i needed to contact my bank, i explain to him that i had no bank he stated that cash app paid the merchant, that the merchant got paid and cash did not so it went back to my bank account and i should have received back in my account, so i stated again what bank because i have no bank account, you are my bank account so who got the money cause i would have notice extra money in my account and then he stated i need to escalate this to a manager because i dont know how to resolve this .I hada total of 3 charges that came out at the same time .for dates XX/XX/XXXX for {$45.00} another XXXX for {$36.00} and the last XXXX XX/XX/XXXX for {$8.00} now the bad part about this how i really know they were not honest XXXX of the purchases they took was a refund it was never even given back but on XXXX end it was a processed return, i dont have a job so this has really hurt me i been using cash for awhile and never experinced anything so cruel against your own customers i will continue to spread awareness about this and filed as many complaints i can i was also told that they were going to close my account if i proceeded with this the nerve, there is a class action suit someone is trying to file as we speak because so many people are going through this im not understanding how or why they can do this to people and nothing gets done, they are protected why are we not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: FL

Complaint narrative:
I am not liable for this debt with XXXX and do not have a contract with FAIR COLLECTIONS & OUT. They did not provide me with the original application like i asked. Experian and all other credit bureau are wrong for even reporting this account without written instructions please read my attachments below

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 2023-05-06 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: TX

Complaint narrative:
After reviewing my credit profile in XX/XX/2022, I identified discrepancies between a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account. I requested validation for the late payments multiple times. I have not received any correspondence from the credit bureaus to validate these accounts ' payment history, nor have my credit reports been updated to reflect the correct payment history. Please strike and correct my payment history for these accounts to reflect no late payments or remove the accounts from all 3 credit bureaus until adequate validation has been received proving that all information is indeed correct. as this is negatively affecting my ability to obtain a mortgage.

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 2023-05-06 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:
After reviewing my credit profile in XX/XX/2022, I identified discrepancies between a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account. I requested validation for the late payments multiple times. I have not received any correspondence from the credit bureaus to validate these accounts ' payment history, nor have my credit reports been updated to reflect the correct payment history. Please strike and correct my payment history for these accounts to reflect no late payments or remove the accounts from all 3 credit bureaus until adequate validation has been received proving that all information is indeed correct. as this is negatively affecting my ability to obtain a mortgage.

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 2023-05-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
in accordance with the fair credit reporting acct XXXX has violated my rights 15 USC 1681 section 602 states that i have rights to privacy. 15 USC 1681 Section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b. A creditor may not treat a payment on a credit card account under an open end 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 non-monetary relief
Consumer complaint received 2023-05-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
in accordance with the fair credit reporting acct XXXX has violated my rights 15 USC 1681 section 602 states that i have rights to privacy. 15 USC 1681 Section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
XX/XX/2023 check for {$28.00} at XXXX refused payment by XXXXXXXX XXXX. I was never notified and XXXX does not keep a record it ever transpired. XXXX never notified me nor did their collection vendor XXXX Upon visit to store attempted check pay was denied. I was given paper advised call XXXX to pay. Upon contactcwas advised they would redeposit in a day or two. They never did. Follow up at store with XXXX advised call XXXX XXXX XXXX XXXX. They sent me to their XXXX XXXX who sent me back to XXXX XXXX who sent me back to XXXX. After a half dozen failed attempts I contacted the XXXX XXXX XXXX and we repeated the process. Attelps once again failed. Contacted store. She sent an email to corporate who's job to collect returned checks. They said call certify but she never ressponded. I then recieved Debt Collector notice they bought debt! I called store and spoke to XXXX XXXX. He is trying to assist. I then notified him I was calling debt collector to cease. SENT to answer machine. I left message AND IN FO to CEASE and DESIST notice. They do not provide any acknowledgement of receipt. Waiting on feedback from XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, 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:
so i have been trying to get my personal information corrected since 2021 i have sent dispute after dispute and the reporting agency refuses to update my information to the correct information they are violating my rights under 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). the credit agencies are not reporting my infomation at 100 % accurate and every attempt of contacting them has been met with silence

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 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
so i have been trying to get my personal information corrected since 2021 i have sent dispute after dispute and the reporting agency refuses to update my information to the correct information they are violating my rights under 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). the credit agencies are not reporting my infomation at 100 % accurate and every attempt of contacting them has been met with silence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX. XXXX XXXX Account # XXXX has 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 an account without my written instructions.

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 2023-05-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX. XXXX XXXX Account # XXXX has 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/2023 I had XXXX XXXX in my cash app prepaid card savings account. 
I also had XXXX XXXX that was in the cash app cash card account. 
When moving the savings balance to the cash " card '' balance the whole amount XXXX XXXX XXXX was taken out of the account. 
I then contacted customer support and was told there had been a mistake and I wasn't charged from a previous purchase I made. 
I asked why I couldn't see the activity on my account that would justify the money being taken out of my account? 
The representative suggested I look for a completed purchase in XX/XX/2023 from XXXX. 
The representative suggested I look between the dates XXXX XXXX. 
And that the purchase was authorized then but the money wasn't taken out of the account. 
There was no negative balance or anything that would support Cash Apps claim. 
2 days later on XX/XX/XXXX a family member sent me XXXX XXXX and the whole XXXX XXXX was taken from my account without showing on the ledger or account activity page. 
when I tried to reach customer service I received no response and my account was closed my balance wasn't recovered and I have no access to XXXX XXXX  that is in the account. 
Now on XX/XX/XXXX I have access to the account but I still haven't heard from customer service not even their standard away response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Self Financial Inc.
State: IL

Complaint narrative:
XXXX LA HAS IGNORED MY RIGHT AS A CONSUMER TO EXERCISE MY RIGHT TO OPT-OUT OF ANY AND ALL SHARING OF MY INFORMATION. I HAVE SENT THEM THE LAWS THAT ALLOWS ME AS A CONSUMER WHICH ARE ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
2 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
MY STATEMENT THAT I SENT TO THEM WAS THIS ; Per ; the FCRA as a FEDERALLY PROTECTED CONSUMER, I am now OPTING-OUT of any and ALL AUTHORIZATION, I the CONSUMER may have given you, WRITTEN, UNWRITTEN, VERBAL, and NON-VERBAL, PER ; 15 US CODE 6802. Effective Immediately! 
( FYI : PRIVACY ACT OF 1974 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: GA

Complaint narrative:
Istructions. 
n accordance with Fair Credit Reporting Act XXXX Account # XXXX, # XXXX, # XXXX, XXXX has 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 in

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 2023-05-06 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: LA

Complaint narrative:
It is illegal to record transaction history according to 15 USC 6802-6805 16cfr 313, 15 usc 1681 fair credit act, privacy act of 1974, Fair debt collection practices act 16 cfr 433.1 definitions .2 .3 Charge off is considered a certificate of indebtedness which means it is income and must be removed from Equifax XXXX and XXXX and all other credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I tried to log into my account to pay my bill. When I logged in I was not provided my phone number to get my access code texted to me. I called and they said I had a different number on file I said that is impossible as I had same number for over 15 years and I used the same number every time I previously logged in and was sent an access code to my number XXXX. I am concerned that they have no records of my number so i question their record keeping. They were unable to look at my historical records and verify the number. The verbally gave me a compeletly different number and refused to do anything so I said I'll get CFPB to look into this as there is a problem with their record retention, which is a CFPB offense. I request CFPB inquire Chase Marriott Bonvoy on first how my number was changed without my authorization and how they lack the records to verify historically the number that was provided to access my account in the past. I have attached a screen shot from my phone to confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Fees N charges

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