vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
CashApp corporate office will not return the XXXX case numbers given to me since XX/XX/year>. How are they allowed to steal the {$2000.00} in my bitcoin account? 
My father sent me a cashapp on XX/XX/year> but cashapp refused to let me withdraw the money from my bitcoin, so I have yet to get the funds needed before XXXX. I have been begging them with over 10 phone calls each day since XX/XX/year>. Every time I call, their agents say we have no information, but your new case number is XXXX all they way through XXXX. I tell them that no manager or anyone contacts me about any of the case numbers, so the matter never gets resolved.

In order for my sell my bitcoin, the app makes me enter my social security number. When I do that, it says my number is incorrect and locks me out for 30 days after I enter it XXXX  times. They have someone else 's social. They asked me to send my ID, so I did. XXXX times, I have sent the drivers license photos and a selfie holding the drivers license. NOT ONE CASHAPP employee returns my emails. It's the same scam every single day and now we are 2 months deep and I still do not have my {$2000.00}. CashApp needs to release my funds so I can cash them our OR return the funds to my dads cashapp. My dad has canceled his account and I have as well, but I can still collect my funds. 
CFPB does not need to let CashApp get away with this any longer. You have protected Cashapp several times when you are supposed to be helping us. I am taking this complaint to my bank so they can file fraud claims and the money back, but cashapp is sneaky. They know what to say to make you go away and nothing gets fixed. Why does the owner and the board want to steal my funds? They are in my bitcoin. Just let me sell and put them in my bank. This whole matter will be resolved, but instead cashapp will not fix the matter. The legal name and social security number need to be changed. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I noticed this year multiple accounts on my credit report which do not belong to me. I have contacted Experian and filed a complaint with identity theft.gov. I have attached affidavit from identity theft.gov, drivers license, current utility bill showing proof of address.

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 2025-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I check my credit report on XX/XX/XXXX and it showed I owed an apartment complex, that I never resided in, a debt. So I reached out to the company and they stated it was from XXXX, Ive lived in my house since XXXX, so there was no way possible this debt was owed. So XXXX XXXX, stated that she was not taken it off unless its paid. At that point Im like its only {$100.00} Im not about to argue about this just take the payment and I will deal with this some other time. She also stated she would send the letter for me to send to the bureaus for them to take it off and have failed to do so. I called back and spoke with XXXX XXXX, who is the most despicable and disgusting employee of this company. She doesnt let you get your statement in on why you called she just interrupts, loud talks you, and laughs and thinks its funny. Ok, I didnt get ugly with her back I said to myself, its more than XXXX way to skin a cat. Payback! Handle it legally!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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 request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference.

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history.

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a message asking if I had authorized a purchase on my home depot/citi credit card on XX/XX/year>. I have never had a credit card with home depot. When I checked my credit report I noticed there was an hard inquiry on XXXX for a credit card. I called home depot asked them to cancel the card because of fraudand remove the hard inquiry from my credit report.I 'm still seeing the inquiry on my report. I would like for the hard inquiry to be removed from my credit report. It was still showing up as on XX/XX/year>.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Management Systems Inc.
State: AZ

Complaint narrative:
Southern Management Systems , INC. attempted on XXXX separate times to collect the same debt from me. The first time they used my last name, spelled incorrectly as " XXXX ''. I paid this debt as I figured it was a typo and did not think much of it. The XXXX debt was paid to them on XX/XX/XXXX. The second time they contacted me was on XX/XX/XXXX with a letter for a debt I " owed '' on the same account as the XXXX with the same amount " charged '' to me. I called them and was placed on hold until they told me I was waived of the XXXX debt. When I told them that they were spelling my name incorrectly they got defensive and refused to reveal why they were sending me the same debt twice. I threatened them with legal action and they hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: IN

Complaint narrative:
Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within 15 days. Relevant documents have been included for your review.

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 2025-02-18 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:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The CFPB has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience that Equifax has neither corrected nor removed despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
on my credit reports is a collection company called CAVALRY PORTFOLIO SERVICES, They are claiming they are collecting {$10000.00} from XXXX. 

I have disputed this via the dispute option on XXXX. This is not my debt ; I have never had a credit account with XXXX. When this dispute came back verified, I requested the procedure in which XXXX used to determine the accuracy of this account, per 15 USC 1681i ( a ) ( 6 ) ( B ) ( ii ). I did not receive that legally required information from them, instead they just said it was still verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I submitted application of ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX on XXXX Attend collage from XXXX Amount {$74000.00} and {$12000.00} in interest College location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX college closed )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
I disputed negative items on my report listed in the dispute letters attached to this compliant

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 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was affected by XXXX, and I reached out to creditors to look for options to stay afloat. Their methods were predatory, they didn't care about helping me, or b being considerate of the state of emergency the entire country was in. And they added thousands of dollars in fees and charges on top of my normal balance so I couldn't make any attempt to get back on track

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WI

Complaint narrative:
I noticed a low bank balance under my checking account with Fifth Third Bank. In reviewing transactions, I found XXXX debits which I did not make. They were back to back at a XXXX in XXXX. I do not live in XXXX, nor do I shop there. The XXXX amounts were " odd '' at : {$2200.00} & {$1600.00}. Just the round figures with no odd dollar amount or change. The transactions happened on XX/XX/scrub> 2024, but did not show up on my bank summary until XX/XX/XXXX. I immediately called Fifth Third and they agreed something was not right about the transactions. These XXXX debits, along with XXXX over-draft charges total {$3900.00}. I was told they would do a review and I would get all my money back, but the review would take 30 days. I called after 30 days and was told my claim was denied. They said the purchases were done with a " chip '' and since I was in possession of my card, I was responsible. I argued the fact again, asking them to look once more at the odd totals and that person said, they understood my concern and thought something was wrong too, so they reopened the claim. Another 30 days had to pass before I could question again. I waited the 30 days and was told again the claim was denied. They never told me what XXXX store it happened at nor what was purchased. I thought they should have been able to request a receipt to see what was purchased and where. Evidently not. They told me the case was final and they wouldn't review it again. I was told I have to prove I didn't make these XXXX purchases, I don't know how to do that. I had XXXX  XXXX early in XXXX and was not physically able to drive to XXXX in XXXX because of pain and limited mobility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding an extremely disappointing experience I had at the XXXX XXXX XXXX XXXX of Ameris Bank on XX/XX/year> at approximately XXXX XXXX. 
I visited the branch to negotiate an insurance check issued to myself and my fianc. Prior to my arrival, I called the branch to confirm the process, and I was provided specific guidance over the phone. However, upon arriving at the branch, I was met with conflicting information and resistance from the branch manager, XXXX XXXX. Despite my efforts to clarify the process, including citing my own experience as a banking professional familiar with high-dollar check negotiations, the manager continuously offered excuses and ultimately refused to assist me. We were only granted service after asking the teller line to speak to the branch manager ; which was surprisingly the person who was helping us. 
I left my contact information with a teller, hoping for a follow-up, but I never received a response. Additionally, when I contacted customer service to file a formal complaint, I was directed back to the branch, which clearly has no effective system for handling customer grievances. 
The complete lack of accountability and professionalism displayed by the branch manager is deeply concerning. Furthermore, the absence of a formal complaint resolution process within Ameris Banks system forces customers into an endless loop of deflection. I will be filing a formal complaint with the appropriate regulatory authority regarding this incident. 
I am sharing this experience not only to highlight the issue but also in the hope that Ameris Bank will take immediate steps to address the lack of accountability at this branch. Customers should never feel dismissed or discriminated against when seeking basic banking services. 
While I will continue my relationship with Ameris Bank solely because my mortgage is serviced through your institution, I will not be returning to this location. 
Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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