vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
Dear XXXX, I am writing to file a formal complaint against Cash App regarding their mishandling of fraudulent transactions on my account and their refusal to accept key evidence proving that I was a victim of a scam. Below are the details of my experience : Issue Description I became aware that I had been scammed and that fraudulent transactions occurred on my Cash App account between XX/XX/year> and XX/XX/year>. After realizing the fraudulent activity, I promptly reported the issue to Cash App on XX/XX/year>. 

Cash App instructed me to dispute all charges from XX/XX/year> through XX/XX/year>, which I did. However, despite Cash App agents filing the disputes on my behalf, all of the disputes were denied without a clear explanation. Furthermore, Cash App blocked my Cash App card and claimed I had violated their rules, even though I was the victim of a scam. 

Attempts to Provide Proof of Fraud In an effort to substantiate my claim and prove that I was scammed, I attempted to provide Cash App with multiple pieces of documentation : A report filed with the FBI regarding the fraudulent activity. 
A complaint I filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the scam. 
Unfortunately, Cash App refused to accept any of this evidence as proof that I fell victim to a scam. This refusal has left me in a frustrating and unfair position, where my efforts to prove my innocence and recover my funds have been ignored. 

Punitive Actions by Cash App After denying my disputes and refusing to accept evidence of fraud, Cash App took further punitive action. They blocked my Cash App card, citing a violation of their rules, even though I am the victim in this situation. I have not been informed of any specific rule I allegedly violated, and I have not been given a chance to appeal this decision. 

Attempts to Resolve the Issue I have made several attempts to resolve this issue directly with Cash App, but to no avail. Below are the steps I have taken : On XX/XX/year>, I reported the fraudulent activity to Cash App customer service. 
Cash App instructed me to dispute all charges from XX/XX/year> through XX/XX/year>. I followed these instructions, and Cash App agents filed the disputes. 
All of my disputes were denied, and I was not provided with a satisfactory explanation. 
After denying the disputes, Cash App blocked my card, citing a violation of their rules, but did not specify the rule I violated. 
I submitted proof of the scam ( FBI report and CFPB complaint ), but Cash App refused to accept these as valid evidence. 


.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Skrill USA, Inc.
State: FL

Complaint narrative:
XXXX closed my account. Fine. I still have a balance of {$95.00} on it. They requested a statement for extra support before returning the final balance. I sent it the statement and they are not responding to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I recently received a credit alert from XXXX that my Plus Finance Credit Card had been posted as XXXX  days past due. XXXX  days past due in XXXX XXXX, XXXX  days in XXXX XXXX, XXXX  days in XX/XX/XXXX, and XXXX  days in XX/XX/XXXX. 

Over the summer, I missed payments in XXXX and XX/XX/XXXX. XXXX  days late in XXXX, XXXX  days late in XXXX. In XXXX, I reached out to Plus Finance and enrolled in a 6 month payment plan in order to get payments back of track. The plan was for {$10.00} a month, for 6 months. 

The first payment I made was XX/XX/XXXX of {$10.00} under the payment plan. I thought my account was on auto draft, but I received notice in the middle of XXXX that an XXXX payment was not received. I called Plus Finance on XX/XX/XXXX, paid the missed {$10.00} payment and the current due {$10.00} for XXXX. I was told that the missed XXXX payment removed me from the payment plan, and that it would be restarted once the XXXX payment posted. 

The payment posted, and I am back on the plan. However, the late payment status was still reported to XXXX for XXXX  days in XXXX ( while on payment plan ), XXXX  days in XXXX ( could be accurate due to payment plan only starting in XXXX ), but payment was made on XX/XX/XXXX while due date was XX/XX/XXXX. My XXXX payment is not due until the XXXX. Do not agree or see how a late payment can be reported for XXXX when payment was made, and especially for XXXX when the payment due date is still 23 days away! 

I called Plus Finance Credit Card tonight ( XX/XX/XXXX at XXXX EST ), and the supervisor I spoke with apologized for the reporting, but said nothing could be done because I missed a payment in XXXX. Even after trying to explain the details, her only response was that nothing could be done because a payment was missed in XXXX. Even if payments were XXXX  days late over the summer, and potentially XXXX  days late in XXXX, they were not concurrent, nor should a late payment be posted in XXXX when the due date is at the end of the month. 

XXXX I spoke with at XXXX est on XX/XX/XXXX said there was nothing she could do, nor anything the company could do to fix the situation. All because " a payment was missed in XXXX ''. 

How can I get this error fixed on my credit reports, even if it's just the late payment status for a XXXX payment that is still 23 days away?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reaching out to express my concerns regarding multiple issues I have encountered with the credit bureau. These include incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing errors.

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 2024-12-05 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: CA

Complaint narrative:
I am reaching out to express my concerns regarding multiple issues I have encountered with the credit bureau. These include incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing errors.

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 2024-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-05 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: TX

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My previous complaint to CFPB # XXXX XXXX reported that Company has responded. THAT IS INCORRECT. I HAVE NO RESPONSE. 
I HAVE BEEN SCAMMED BY AMERICAN EXPRESS FOR FEES AND OTHER DEDUCTIONS WHAN I DO NOT HAVE ANY CARD. I HAVE NOT RECEIVED OR ACTIVATED ANY SUCH CARD. ANY CHARGES THE COMPANY HAS MADE ARE IMPROPER AND A " SCAM ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB MANAGEMENT SERVICE XXXX XXXX XXXX XXXX, PA XXXX RE : Debt Validation Request ACCT # XXXX Dear NCB MANAGEMENT SRRVICE, This letter is sent in response to the alleged debt referenced as Account Number XXXX. I am disputing this debt in its entirety and request validation under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 


Under federal law, you are required to provide verification of this debt. The courts have upheld a debtor 's right to this validation ( see XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), which states that a debt collector must provide sufficient documentation to substantiate the alleged debt ). 


To ensure compliance, please provide the following : XXXX. Documentation verifying that I am indeed the party legally responsible for the alleged debt. 



XXXX. The name and address of the original creditor. 



XXXX. A complete payment history, including the date the alleged debt was incurred. 



XXXX. Proof that your agency is authorized to collect this debt, including a copy of your license to operate in my state. 



XXXX. A detailed explanation of how the amount claimed was calculated, including fees, interest, or charges. 


XXXX. VERIFY THE DEBT by exhibiting Schedules XXXX - Balance Sheet, XXXX - XXXX - Deposit Liabilities, XXXX XXXX XXXX - Loans & Leases, XXXX - XXXX - Derivatives and off balance sheet items, XXXX - XXXX - Servicing, Securitization and asset sale activities. 


XXXX. Present an unaltered copy of the original security. 



Please note that failure to provide adequate validation is a violation of the FDCPA, as demonstrated in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Additionally, until this debt is validated, you are prohibited from engaging in further collection activity pursuant to XXXX ( b ). 


If you are unable to substantiate the validity of this debt, I request that you cease collection efforts immediately and update all credit bureaus to which you have reported this information to reflect that the debt is disputed, inaccurate and unverified. 


Please direct all correspondence regarding this matter to the address above. I look forward to your timely response within XXXX  days of receipt of this letter, as required by law. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NC

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 2024-12-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NJ

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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:
I am a victim of identity theft resulting from a data breach, and I am writing to formally request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These items do not pertain to any authorized activity on my part and were fraudulently created using my personal information. 
Fraudulent Accounts : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$2000.00} XXXX. XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$170.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$920.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$63.00} XXXX. XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$13000.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft resulting from a data breach, and I am writing to formally request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These items do not pertain to any authorized activity on my part and were fraudulently created using my personal information.

Fraudulent Accounts : XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$170.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$920.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$63.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$13000.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Debt Dispute and Request for Proof of Debt Reference Number I am writing to formally dispute the debt claim of {$1400.00} that is being reported by your agency, Transworld Systems , Inc., and appearing on all three of my credit reports ( XXXX, XXXX, and XXXX ). This is my third time attempting to resolve this matter with your company. 

I am requesting that you provide Proof of the Debt : A detailed statement that demonstrates that I am legally obligated to pay this debt. This should include the original creditor 's name, a complete account history, and any relevant documents that verify my liability. 
Purchase Agreement or Evidence of Ownership : Documentation indicating that your company legally owns this debt or that you have the right to collect on behalf of the original creditor. 
Evidence of My Association with the Debt : Any records proving that I have had financial dealings with the original creditor or any documentation supporting that I am liable for the amount claimed. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to this verification before any further collection efforts can be made. Until you provide the requested evidence, I consider this debt to be invalid and not subject to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account closed during state of emergency in Florida. Unable to pay bills or go to bank due to damages sustained in my home, account was always in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern : I am disputing the accuracy of an account on my credit report. Please investigate and correct or remove the information if it can not be verified.

Account Information Creditor/Collection Agency : Contract Callers Reason for Dispute The account contains the following inaccuracies : Incorrect Balance : The reported balance and terms Ownership and Authorization : No documentation has been provided to prove that Contract Callers has the legal right to collect or report this debt.

Incomplete Reporting : Payment history and account details are missing or inconsistent, making the report inaccurate. The balance went from {$97.00} to {$580.00} Requested Verificatio
n Please provide : A copy of the original signed agreement outlining the terms of the account.

A detailed accounting of charges, payments, and fees. 
Proof that Contract Callers owns the debt and is authorized to report it. 
If this information can not be verified, I request that the account be removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: CA

Complaint narrative:
I, XXXX XXXX, am disputing inaccurate information on my credit report. Pursuant to 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the release of my personal information to the companies listed below, violating my privacy rights. Furthermore, there are unauthorized inquiries on my report, indicating identity theft. Under 18 U.S.C. 8, I do not owe any debt to these entities. I demand immediate removal of the disputed items and inquiries to correct my credit report. 
Please confirm the removal of these entries promptly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation