vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Cash App ( Block, Inc. ) regarding an incomplete dispute resolution for unauthorized transactions on my account. 

Details of the Issue : My phone was stolen, and unauthorized transactions were made on my Cash App account. 

I filed a dispute for fraudulent transactions totaling {$2700.00} ( {$2400.00} + {$240.00} ). 

However, Cash App only disputed {$600.00}, leaving {$2400.00} and {$240.00} unaccounted for. 

I provided evidence, including screenshots and a police report, but Cash App denied my claim, stating the payments were authorized. 


Access Issues & Multiple Accounts Found : On XX/XX/XXXX, I was able to log back into my old Cash App account after verifying a new email and phone number. 

However, Cash App forced me to create a new account instead of giving me full access to my original one. 

When I searched my name in the app, I found XXXX different Cash App accounts under my name that I never created. 

I am concerned about potential identity theft or fraud, and I need clarification on whether Cash App requires a Social Security number ( SSN ) for account creation. 


Attempts to Resolve the Issue : I contacted Cash App Support multiple times, but they refused to investigate the remaining transactions. 

Despite submitting a police report, Cash App failed to properly investigate the fraud. 


Requested Resolution : I am requesting that Cash App : XXXX. Reopen my dispute and investigate the missing {$2400.00} and {$240.00} in unauthorized transactions. 


XXXX. Explain why my original account was altered and why multiple accounts exist under my name. 


XXXX. Clarify whether Cash App requires a Social Security number for account verification. 


XXXX. Issue a full refund for the remaining disputed amount. 



Cash App has failed to properly investigate fraudulent transactions and has not provided adequate support in resolving this issue. I appreciate the CFPBs assistance in holding them accountable. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I am writing to formally dispute the debt related to account number or reference number in letter and request a waiver of the outstanding balance. The vehicle associated with this debt, a XXXX  XXXX XXXX, was stolen on XXXX XXXX during this time and, therefore, I should not be held liable for any charges incurred after the theft. 

I promptly reported the theft to law enforcement and have attached a copy of the police report for your reference. 

Given that this situation was beyond my control, I respectfully request that the debt be waived. Please confirm in writing that my request has been processed and that no further action will be taken regarding this matter. 

I appreciate your prompt attention to this issue. Should you require any further information, please do not hesitate to contact me at [ XXXX XXXX XXXX ] or [ XXXX XXXXXXXX ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have opened an apple savings account for the purpose of paying the credit card as their specialists have recommended. I transferred the money XX/XX/year> and paid it off the same day from which it has been declined. I reached out to their support again and was given the reassurance that the payment would post on XX/XX/year>, I was further told that because I'm using their apple product- that there won't be any late fees. That transaction failed once again and I reached out again tirelessly ( XX/XX/year> ). This time I complained about the payment not going through when I can see the money sitting there at my savings account. This was with the Savings Supervisor named " XXXX '' with Goldman Sachs. ( btw, pecialists never give their last names ) I proceeded asking if this is normal, as I saw that I have already incurred the said late fees and the person said it is normal but that my payment will post the next day. This same day XX/XX/year>, I have suddenly received an email stating that my cc has been closed and my savings account restricted. I have reached out several times and no one can give me any clear answer of what is happening. I was told to sit and wait. I have attached a screenshot of all of these dialogue with their specialists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: Credit Karma, LLC
State: WI

Complaint narrative:
I am XXXX and decided to open a credit builder account with Credit Karma after reading that at any time I can cancel it so long as the first payment hasn't been made and it would be taken off the credit report in the next credit report, here is exactly what It says ; " You may cancel your Account by contacting Credit Karma XXXX XXXX at any time before the date of your first payment is due, provided you have not already made a payment of any amount. If you cancel your Account and it has been reported to the XXXX major credit bureaus, then the tradeline associated with your Account will be deleted from the credit bureaus in a subsequent reporting. " I requested it be canceled on XX/XX/XXXX and they took until after XXXX was over to cancel my account, during which an automatic payment was made to my credit builder on XX/XX/XXXX XXXX days after I requested it be canceled, this is in direct contradiction to the XXXX to cancel clause in the contract. I attempted to contact them about getting a " good faith '' removal and was told they do not do that, and then when I emailed back asking to speak to someone higher up I never received a reply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of many debt collectors using abusive, deceptive, and unfair debt collection practices. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and invasions of individual privacy. 

After reviewing my credit reports, I noticed that you are alleging that the following account is negative without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report, therefore you must remove the following account : XXXX XXXX XXXX XXXX ACCOUNT # XXXX - ACCOUNT BAL {$15000.00} - CHARGE OFF ACCOUNT WITH OPEN DATE XX/XX/year>. ACCOUNT HAS BEEN CANCELED AND DISCHARGED. WILL PRESENT all 1099Cs for debt cancellation. 

As you know, it is against the law to report inaccurate information. This is a deprivation of my rights and a violation of my privacy. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reviewed my credit report and believe this information is inaccurate, incomplete, or unverifiable. Pursuant to 15 U.S. Code 1681i, I request the immediate deletion of this item from my credit report, as it does not accurately reflect my credit history or the facts of the matter. I have also been included in several data breaches.

The credit bureau fails multiple times to acknowledge this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX  XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The collection account from XXXX XXXX XXXX opened XX/XX/year> with a balance of {$630.00} is reporting inaccurate information to my credit report. There are multiple inaccuracies such the open date, account status, payment history, and phone number. I have disputed this collection account with XXXX, TransUnion, and XXXX and I have not received an accurate investigation. 
This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
The collection account from XXXX XXXX XXXX opened XX/XX/year> with a balance of {$630.00} is reporting inaccurate information to my credit report. There are multiple inaccuracies such the open date, account status, payment history, and phone number. I have disputed this collection account with XXXX, TransUnion, and XXXX and I have not received an accurate investigation. 
This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b )

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 2025-03-05 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes with XXXX XXXX XXXX XXXX regarding inaccuracies in my credit report ( re-aging collections ) 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 $ S 5536 ( a ) ( 1 ) ( A ) - ( B )

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 2025-03-05 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: TX

Complaint narrative:
Subject : Dispute Request for Investigation of XXXX XXXX  Account : XXXX  To Whom It May Concern, I am formally requesting an investigation into the accuracy of the information reported on my credit file regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account XXXX. This account is currently listed as a charge-off, and while I understand that charge-off accounts can remain on a credit report for up to seven years, it is still required by law to be reported accurately and verifiably under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ).

Please conduct a thorough investigation to verify the accuracy of this account with the original creditor. If any details are found to be inaccurate, incomplete, or unverifiable, I request that they be corrected or removed from my credit report as required by law. 

As outlined in the FCRA, this dispute must be resolved within 30 days of receipt. If the disputed information can not be verified within this timeframe, you are legally required to delete it from my credit report. 

Please provide me with a written response detailing the outcome of your investigation and supply an updated copy of my credit report if any changes are made. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I applied for a new credit card from Bank of America, I got approved and it was shipped on XX/XX/XXXX. But I never received my card, since it says wait XXXX days on the email I received regarding shipping information. I tried to wait for couple more days. Then on XX/XX/XXXX, I found out there was a pending of {$700.00} on my credit card account without me activating the credit card. I did not know how they approved a card without activation. I called Bank of America Fraud Department and file a fraud Claim, since I did not know where it was being charged when it was still pending. But I never ever received my physical credit card. They filed a fraud claim right away, until XX/XX/year>, I received an email that they started investigating at XXXX, and they were done at in the morning and I was waiting for the result. I do not what they were investigating when the merchant was not even opened. Around XXXX, I saw the balance was backed on my credit card account again. It is pretty obvious, someone stole my mail with my credit card in it, and it is ridiculous that it got approved without activating it. I call the fraud department, and they said there were multiple declines. After I filed the claim, I found out it was in XXXX, XXXX where I don't go there even once a year. After they replaced the old credit card, I literally just received and activated at XXXX on XX/XX/year>. I did not know how transaction got approved, without activating it. The merchant is XXXX XXXX XXXX XXXX NY. I was at home at the time, I do XXXX XXXX and the most recent XXXX transaction was near my house

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 2025-03-05 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit Bureaus has allowed fraud on my consumer report and violated my rights under the ( FCRA ) 15 U.S.C 1681B PERMISSIBLE PURPOSES OF CONSUMER REPORT. I HAVE NOT GAVE ANY OF THESE CREDITORS PERMISSION TO ACCESS MY CREDIT REPORT. UNDER THE ( FCRA ) 15 U.S.C CODE 1681C-2 ( A ) BLOCK. I REQUEST MANDTORY ACTIONS FROM THE CREDITORS AND CREDIT BUREAUS TO BLOCK AND REMOVE THIS FROM MY CREDIT REPORT AS SOON AS POSSIBLE. 15 U.S.C 1681N CIVIL LIABILITY FOR WILLNESS TO NON COMPLIANCE GIVES MY ATTORNEY THE RIGHT TO SUE FOR DAMAGES AND ALSO MY INFORMATION BEING EXPOSED ON THE DATA BREACH. 

3. REINSTATING LAW 4. UNDER SECTION 611 A5B THE FAIR CREDIT REPORTING ACT STATES ONCE A ACCOUNT IS REMOVED IT CAN NOT BE ADDED BACK TO A CONSUMER REPORT!

5. THE ( FCRA ) STATES IN 15 U.S.C CODE 1681C-2 ( A ) BLOCK : CREDIT REPORTING AGENCIES HAS 4 BUSSINESS DAYS OR LESS TO REMOVE FRAUD FROMA CONSUMER REPORT ONCE THE CONSUMER HAS PROVIDED PROOF OF IDENTITY THEFT! IF THESE LAWS ARE BROKEN THAT THE ( FCRA ) HAS SET IN PLACE. I WITHIN MY RIGHTS TO SUE UNDER 15 U.S.C CODE 1681N! THANKS FOR YOUR UNDERSTANDING

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