vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
I opened an account with CashApp in XXXX and used it for XXXX payments, receiving direct deposits, accumulating personal savings and the purchase of virtual currency. Over XXXX years I became a loyal user and accumulated a material amount in my account. 

In XX/XX/XXXX CashApp suddenly closed my account without any explanation. I appealed this by phone and they agreed it was erroneous and reopened my account and it was back to normal again for the next few years. 

In XX/XX/XXXX CashApp suddenly closed my account again with no explanation except that I had " violated the ToS '' but were unable to provide any specific details. I spent quite some time on the phone appealing and escalating this but to no avail. 

Since I was forced to close my account I put an order in to sell all of my bitcoin and CashApp took a commission of {$2500.00} for this service. 

I had some issues transferring out my cash balance to my personal chase checking account ending in XXXX which has been linked to this account since the beginning. I called CashApp support on the afternoon of Tuesday XX/XX/XXXX to discuss this inability to access my funds and asked for a case to be opened. I was told by the representative ( on a recorded line ) not to worry about cashing out my funds because the limit is {$25000.00} *per day. * It turns out the limit is $ XXXX per week and I was misinformed. 

I called back on Friday XX/XX/XXXX and spoke with a supervisor named XXXX who did not want to provide a last name or badge number but said that I had in fact been misinformed about the daily versus weekly transfer limit but there was nothing he could do to transfer me my money in a more expeditious manner. He did assign me a case number XXXX and agreed to escalate my case further to his XXXX XXXX who can only communicate via email. I told XXXX that my next recourse was to file a complaint with the CFPB and he agreed that was the best next step -- -- - " I would do the same thing ( in your position ). '' XXXX the XXXX  emailed me later that day but was unable to provide a satisfactory solution ( see attached ). 

At this point I do not think it's equitable to have to wait XXXX weeks to transfer out my cash while CashApp holds my balance interest free.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I checked my Charles Schwab XXXX  checking account and noticed some charges I did not make. I contacted the bank about the following transactions : XX/XX/XXXX24 XXXX {$39.00} ; XX/XX/XXXX24 XXXX XXXX XXXX XXXX XXXX {$20.00} ; XX/XX/XXXX24 XXXX  {$52.00} ; XX/XX/XXXX24 XXXX {$14.00} ; XX/XX/XXXX24 XXXX {$32.00} ; XX/XX/XXXX24 XXXX XXXX - XXXX XXXX {$52.00} ; XX/XX/XXXX24 XXXX XXXX {$47.00} ; XX/XX/XXXX24 XXXX XXXX {$21.00} ; XX/XX/XXXX24 XXXX XXXX {$28.00} ; XX/XX/XXXX24 XXXX XXXX XXXX XXXX {$23.00} ; XX/XX/XXXX24 XXXX {$390.00}. 

They gave me credit on XXXX/XXXX/2024. On XX/XX/XXXX2024, I received a letter stating they could not approve my claim and reversed the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: ID Analytics, Inc.
State: IL

Complaint narrative:
I RECEIVED A RESPONSE FROM THE COMPANY TO WHICH THEY STATED THEY UPDATED MR. XXXX FILE THAT IS NOT MY NAME. WHO IS MR. XXXX? 

THIS APPEARS TO BE A FORM LETTER AND AN EMPLOYEE DID NOT REVIEW IT PRIOR TO PRESSING SEND, AS IT HAS MY NAME, MR. XXXX NAME, AND A DATE OF XX/XX/year>2024 ON IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I sent in letters that they legally didn't respond to.

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 2024-10-22 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: AZ

Complaint narrative:
I sent in letters that they legally didn't respond to.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to verify an account that appears on my credit report. The account in question is reported under the following details : XXXX Account XXXX : RESURGENT/LVNV FUNDING Account number XXXX .... 
Reported Address : XXXX ( identification number ). 

I would like to formally request an investigation into this account, as it is associated with an address where I have never lived. According to the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report. 

I kindly request that you investigate this matter and remove this account from my credit report, as it is not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I was checking my Transunion credit report and noticed some accounts that are not mine and that I have no knowledge of. Upon noticing these I immediately called Transunion and spoke to the Fraud Department and was told that I need to file an Identity Theft report with the FTC and CFPB. The following accounts are the ones I am filing a complaint against. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
recently checking my credit report i noticed that l 've been a victim of identity theft and found numerous credit inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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.
State: FL

Complaint narrative:
recently checking my credit report i noticed that l 've been a victim of identity theft and found numerous credit inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account 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 non-monetary relief
Consumer complaint received 2024-10-22 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: WV

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX  XXXX XXXX ] Account Number : [ XXXX ] Creditor Name ( XXXX XXXX  ) Account Number ( XXXX ) It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Crow Creek Sioux Tribe
State: FL

Complaint narrative:
On the XXXX I paid my {$XXXX} loan advance in full which was {$XXXX} after only XXXX weeks in which the interest was like XXXX to XXXX  % which is insane the initial process to get that money was quick and easy no problems whatsoever however today when I reached out to borrow less {$XXXX} they are now questioning my work phone number which was already verified. Theyre questioning my bank account, which was also verified and theyre asking me to give them the full account number over the phone, which I refused due to fraud in place to protect consumers, they claim it their policy and procedure and this is illegal for what theyre asking. I was glad to verify the last XXXX numbers of the account and told them to withdraw my loan and cancel my account.

Company response to consumer: Untimely response
Consumer complaint received 2024-10-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Apologies, my thoughts are all over the place as we've been dealing with this issue for months now .... 

In XXXX, my wife and I refinanced our HELOC into a home equity loan and Shellpoint bought the loan. From the moment Shellpoint took over servicing our loan, we have had nothing but issues just trying to pay them. We have sent instructions 3 times online to pay our bill, yet have only been successful paying once. We call and get no information ( no one can help us ) and no follow up back from them, yet we jump through all the hoops they ask of us. It has been such a hassle to work with them that we decided to refinance again. However, Shellpoint is now rejecting the wire from the bank to pay off our loan. Shellpoint practices predatory debt servicing and is not allowing us out of this loan. The pay off was wired to Shellpoint on XX/XX/XXXX and they credited our account, then debited it - same as they had with our other XXXX payment attempts that didn't go through. Also, Shellpoint took XXXX of our payments, never applied it to our loan, and said they never received it/sent it back - depends on who you speak to there. 

We were notified of Shellpoint taking over our loan in XXXX of XXXX - normal, standard practice after taking out a new loan. Unbeknownst to us, Shellpoint had set up auto-payments to draft funds from a XXXX XXXX account that did not belong to us. We only learned of the error when Shellpoint mailed us a letter about the insufficient funds notice they received from XXXX. So then I created a login for Shellpoint 's website and cleaned up the XXXX instructions, then used the new ( correct ) instructions to set up a one-time payment ( to cover the missed payment ) and set up automatic payments for future months. The one-time payment went through, no problem - cash was taken from our XXXX account and correctly applied to our loan. 

However, with the first automatic payment, the cash was taken from our XXXX account on XX/XX/XXXX but not applied to our loan. Shellpoint says XXXX told them the transfer was rejected ( NSF ) and the money was returned to XXXX. XXXX says no such communication occurred and the money was never returned. There's a disconnect here somewhere. The XXXX ID # for the transfer from XXXX is : XXXX. Also, the ACH instructions that were used to set up this transaction have been deleted and we didn't do that - someone on the Shellpoint side would've had to do that. I've already provided all this information to Shellpoint via multiple phone calls. Weve tried paying you 3 times so far and have had only XXXX transaction successfully occur. 

This needs to be fixed. Shellpoint should be able to practice predatory servicing. It's crazy, all we're trying to do is pay. Please help us.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Public record information inaccurate on my credit report,

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 act. The List of accounts below has violated my federally protected consumer ri

ghts to privacy and confidentiality under 15 USC 1681. 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Follow-Up on Request for Original Contract, Purchase Agreement, and XXXX Dear Portfolio Recovery, Thank you for your recent response regarding my account with Portfolio Recovery Associates , LLC XXXX XXXX ). However, I must express my disappointment as I still have not received the original contract, the purchase agreement, or the XXXX form related to the account ending in XXXX. 

As previously requested, these documents are crucial for my records and understanding the validity of the debt. Without them, I am left with no choice but to consider taking legal action, including the possibility of suing for failure to provide the necessary documentation. 

I urge you to address this matter promptly. I hope to resolve this issue amicably without resorting to legal action. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I am writing to verify an account that appears on my credit report. The account in question is reported under the following details : Collection Account Name : RM GALICIA/PROG MGMT SYSTEMS Account number XXXX .... 
Reported Address : XXXX ( identification number ). 

I would like to formally request an investigation into this account, as it is associated with an address where I have never lived. According to the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report. 

I kindly request that you investigate this matter and remove this account from my credit report, as it is not valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: CA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is charging me XXXX $ they are saying they are a debt collector. I told them to please provide me with the purchase agreement and they declined to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I had viewed my credit profiles and saw there were fraudulent accounts on my reports and had disputed them directly with the credit reporting agencies but the refuse to make the necessary changes even with the identity theft report that has been provided and information was supposed to be blocked within 4-5 business days after receipt and refusing to do so asking for identification when they already have it on my profiles

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