vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
A woman got into my cash app and stole all of my money. Sent {$530.00} of my money to herself. I have reported to cash app and nothing is being done about it. I have been hung up on, denied access to a supervisor or manager multiple times. They were suppose to start an investigation but I can not seem to get any information about if the investigation is happening or any updates on my case. The case number for my cash app investigation is XXXX. The money that was stolen was the rest of my rent money and I am now facing eviction because of this matter. They keep saying they have no information or updates about it. I have not only researched the lady 's cashtag that she sent my money to but also found her XXXX and found her email address. Her location and also have evidence from her relatives and close friends that she has done this to people before. Which I have also submitted to cash app. When this happens to other customers they issue a provisional credit while the investigation is ongoing, not only will they not issue me a provisional credit but they will not answer my question as to why I can not receive one. When they finally did they said certain criteria of my dispute has to be met. So I asked what do I need to receive it and now they will not answer me at all. Can anyone someone please help me. I have all the evidence. Every transaction, time and date. I also have where it was reported that my cash app was accessed by a new device in another city I have never been to. Also the location is where the last lived who done this to me. Cash app will not help me on this matter or give me any information regarding my case. My name is XXXX XXXX. If anyone can please reach out to me and help me on this matter. I have a XXXX XXXX XXXX daughter and a XXXX XXXX XXXX son. I am a single mom, I can not be homeless with my kids because cash app will not investigate or issue the provisional credit like every other customer. I have no family or friends nowhere to go if my kids and I get evicted. I literally have proof from friends and family showing that they issued them provisional credits when things like this happened to them. I don't understand why they are treating me like this. No one will answer my questions through the cash app support over the phone, the app, or the email. They keep making me answer the same questions and will not give me ANY info about my case or why I can not receive a provisional credit. Please help me? I was told 2 days in a row that I could not speak to a manager or supervisor, I called multiple times each day. I emailed. I contacted cash app support both through phone and the app. Please help? I have any and all the evidence ready to go. This is heart breaking and making me feel like I am not as valuable as every other customer or human being. I asked to file a complaint and the rep hung up in my face. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a Truist credit card that had a balance of XXXX which I paid in full before the due date. On my statement the next month I was charged XXXX an interest even though my balance included only a {$2.00} purchase after I paid off the the balance. I contacted them and they put in a request to do an adjustment to my account. I'm concerned that they have done this to many others and that other people may not realize that they are being charged interest that they should not be charged. I also feel that since it took almost an hour to resolve being on hold and waiting that I should be compensated for my time. XXXX to {$50.00} would be fair.

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 2023-05-19 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: MoneyLion Inc.
State: GA

Complaint narrative:
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions made by me as a consumer : XXXX XXXX XXXX AMOUNT {$3600.00} XXXX DATE : XX/XX/XXXX AMOUNT XXXX XXXX XXXX  DATE XX/XX/XXXX AMOUNT {$920.00} XXXX XXXX DATE : XX/XX/XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions made by me as a consumer : XXXX XXXX XXXX AMOUNT {$3600.00} XXXX DATE : XX/XX/XXXX AMOUNT XXXX XXXXXXXX XXXX  DATE XX/XX/XXXX AMOUNT {$920.00} XXXX XXXX  DATE : XX/XX/XXXX AMOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX DATE : XX/XX/XXXX {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: PA

Complaint narrative:
for almost 2 years i have been having difficulty with a inaccurate account reporting on my consumer file. Experian has not investigate this account at all. At best, Experian has only parroted what the information provider has told them. The law is very clear that credit reporting agency does not comply with verification requirements of 1681i if it simply parrots the information providers electronic response. 

I am contacting you because Experian claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed Below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

On XX/XX/2023, i sent a certified letter to XXXX XXXX XXXX about this inaccurate reporting. The letter was returned back to me stating that the address is not deliverable. This is the contact address that is on my consumer report supplied from Experian 's generated report dated XX/XX/2023. I have enclosed a screenshot from Experian generated report. 

How is Experian verifying this account? If i can not contact them through the contact information supplied from Experian. 

I believe that Experian is not verifying this account and just updating an unverified account. This is against Federal Law of the FCRA.

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

I have enclosed the unopened letter to XXXX which was never delivered. The usps certified mail- XXXX I have enclosed a copy of my experian consumer report with the Address that they supply as contact to XXXX Account in dispute : 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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: OR

Complaint narrative:
I have been working for months to resolve an incorrect late payment on my credit report. Discover says to dispute it with the credit bureaus, they say Discover needs to correctly report the account as never late. As usual the consumer gets XXXX by these negligent companies that make you go through 30 min. of security hoops and hold times every time you try to contact them. 

In XXXXXXXX XXXX an unauthorized {$2.00} charge was made on my mom 's Discover card without her knowledge and went unnoticed. She was subsequently in and out of the hospital and did not check her statement, since the account balance ( as far as she knew ) was XXXX. Discover reported this as 2 late payments, 60 days and 30 days. 

My mom called Discover when she learned of the issue and replaced the card, and added me as an authorized signer to try to help resolve the problem. The 60 day late payment was removed, but not the 30 day late payment, which is still on there damaging my mom 's and my credit score. 

Discover continues, month after month, to claim that they have fixed the issue and are not reporting the late payment any more, and that I should dispute with the credit bureaus it if I want it resolved quickly. The credit bureaus insist that they are accurately reporting it and that Discover is still reporting a late payment. The last time I contacted them, XXXX completely deleted the account altogether then denied any knowledge of it. I was able to get it restored but the late payment is once again on both credit reports. 

This applies to XXXX and XXXX. XXXX stubbornly refuses to list the account at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Rec. call from someone at XXXX stating he was trying to set up time to serve me papers on a civil law suit, that his company had been contracted by XXXX XXXX XXXX. Asked what this was about, was told records were sealed for my privacy but that I could call XXXX and give reference # XXXX for more info. Did so, was told I was being sued for {$3500.00} for an account through National City/PNC Bank that defaulted in XXXX of XXXX. I have never had an account or loan from either of this institutions. Said they sent me a letter 45 days ago ( I never received a letter ) and when I didn't respond they assumed I wanted to go to court. Once served, it would be a 3 day speedy trial, and I'd also be responsible for court fees on top of the debt, and that the settlement agreement amount ( which hadn't been mentioned before ) of {$1500.00} would no longer be available. I asked what kind of of loan or account this was for and was told he didn't know, I'd need the itemized billing which I could only received in discovery, once it went to court. Was told the evidence against me was the 2 forms of ID used to open the account, and he proceeded to give me my correct drivers license number, social security number, and address. Told me they would put a lien on my house, garnish wages, and take action against my XXXX XXXX XXXX. I told him I wanted to consult with a lawyer friend of mine as this sounded like a scam. I hung up, and called my friend, who also is fairly sure this is a scam. What I am worried about is that someone may have stolen my identity and actually opened an account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc.
State: MI

Complaint narrative:
Good Afternoon, I am following up based on the information discussed on the phone call today with XXXX. 

During our conversation, I advised XXXX that the information you reporting to XXXX is inaccurate. Since XXXX, the account has been reflecting as a CLOSED CHARGED OFF, witha balance od {$320.00} suddenly ( today ) the account is showing as an OPEN account. Per XXXX, it should NOT have been reporting as a CHARGE OFF or CLOSED as it was only CHARGED OFF internally. XXXX also advised that the account should have always reflected {$760.00}. 

I advised XXXX that 1. I do not owe that amount. I had insurance to cover my purchase, your company applied a damage waiver of {$400.00} for the bed but could not cover the full amount due to XXXX XXXX admitting that the bed was damaged due to their employee not putting the bed together correctly ( please note that I continued to pay while you conducted your investigation ). XXXX XXXX is responsible for the remaining balance not me as the bed could not bed used due to their error. Your company began reflecting the account as a closed charge off with a balance of {$320.00} ( please see below ) and has done so for the last 4 years up until today. This was disputed because I do not owe and your company XXXX XXXX does, your company came back stating the information was verified ( please see below ). 

Today XXXX offers me {$220.00} to close the account, this is laughable because the account has already adversely affect my life. Please see snippets of how your company has been showing on my Credit Report. 

As a resolution, please update the account as paid/closed as soon as possible and send a letter via email confirming that this has been done to ( XXXX ). The information previously reported has negatively impacted my life and was being reported inaccurately ( this was admitted on a recorded conversation ) and I will seek to pursue Montary relief if this issue is not resolved. 

Additionally, this is bad business, also admittedly and proven by the damage waiver payment applied to the account there was damage done to the bed, it was not fully cover due to the issue/damage ( admittedly ) being the fault of the merchant not me. 

Please also be advise this company previously responded to an investigation that the account reporting as closed/charge off for {$320.00} was accurate. 


If you have any questions, please reach out to me at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have been working for months to resolve an incorrect late payment on my credit report. XXXX says to dispute it with the credit bureaus, they say XXXX needs to correctly report the account as never late. As usual the consumer gets XXXX by these negligent companies that make you go through 30 min. of security hoops and hold times every time you try to contact them. 

In XXXXXXXX XXXX, an unauthorized {$2.00} charge was made on my mom 's XXXX card without her knowledge and went unnoticed. She was subsequently in and out of the hospital and did not check her statement, since the account balance ( as far as she knew ) was XXXX. XXXX reported this as 2 late payments, 60 days and 30 days. 

My mom called XXXX when she learned of the issue and replaced the card, and added me as an authorized signer to try to help resolve the problem. The 60 day late payment was removed, but not the 30 day late payment, which is still on there damaging my mom 's and my credit score. 

XXXX continues, month after month, to claim that they have fixed the issue and are not reporting the late payment any more, and that I should dispute with the credit bureaus it if I want it resolved quickly. The credit bureaus insist that they are accurately reporting it and that XXXX is still reporting a late payment. The last time I contacted them, Transunion completely deleted the account altogether then denied any knowledge of it. I was able to get it restored but the late payment is once again on both credit reports. 

This applies to Transunion and XXXX. XXXX stubbornly refuses to list the account at all.

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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have been working for months to resolve an incorrect late payment on my credit report. XXXX says to dispute it with the credit bureaus, they say XXXX needs to correctly report the account as never late. As usual the consumer gets XXXX by these negligent companies that make you go through 30 min. of security hoops and hold times every time you try to contact them. 

In XXXXXXXX XXXX  an unauthorized {$2.00} charge was made on my mom 's XXXX card without her knowledge and went unnoticed. She was subsequently in and out of the hospital and did not check her statement, since the account balance ( as far as she knew ) was XXXX. XXXX reported this as 2 late payments, 60 days and 30 days. 

My mom called XXXX when she learned of the issue and replaced the card, and added me as an authorized signer to try to help resolve the problem. The 60 day late payment was removed, but not the 30 day late payment, which is still on there damaging my mom 's and my credit score. 

XXXX continues, month after month, to claim that they have fixed the issue and are not reporting the late payment any more, and that I should dispute with the credit bureaus it if I want it resolved quickly. The credit bureaus insist that they are accurately reporting it and that XXXX is still reporting a late payment. The last time I contacted them, XXXX completely deleted the account altogether then denied any knowledge of it. I was able to get it restored but the late payment is once again on both credit reports. 

This applies to XXXX and Equifax. XXXX stubbornly refuses to list the account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My information was used to obtained services to opened an account ( XXXX XXXX XXXX XXXX that I was unaware of and gave no permission to do so. The account was opened on XX/XX/XXXX with a Credit limit {$4000.00}. It currently shows on my credit report since XX/XX/XXXX an outstanding due balance of {$6900.00}. This account was obviously opened fraudulently without my permission and need this account to be removed off my credit under the ( Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The address used in associated with opening this account was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. I have no knowledge of this address. This information is in violation for inaccurate reporting under FCRA. The reporting is negligent and erroneous data in the way the company is reporting this information and is in violation of the FCRA. Experian, XXXX and XXXX is in violation of this reporting! Immediately remove this account from my credit file immediately within 30 days! I will file a lawsuit in this matter if this information is not removed!

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