vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Request is deletion of debt on credit report All 3 agencies to update and delete remarks on credit reporting. 
Account is being reported by original credit card company XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Certified mailed dispute letters have been mailed. 

Violating FCRA MISLEADING TRIPLE REPORTING OF DEBT. 
Requesting for account to be deleted from credit reports including Credit karma 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 2025-02-03 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 HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
Subject : Account Lockout Issue Dear Sir/Madam, I am writing to formally report an issue regarding my Goldman Sachs Marcus checking account, which I opened in XX/XX/year> through the following website : [ https : //www.marcus.com/us/en ] ( https : //www.marcus.com/us/en ). 

In early XXXX, I attempted to log in to check my checking account, but I was unable to do so and saw that my account had been *locked out*. I immediately contacted customer service, but the representative was unable to provide an explanation for why my account was frozen. They assured me that I would receive a follow-up within 7 to 10 days, but I never received any response. 

Approximately 10 days later, I contacted customer service again and was given the same responsethat they did not know why my account was frozen or when it was restricted. I also inquired about the steps required to restore access, but I was only told to *wait*, with no further guidance. I have since called at least four times seeking resolution, but I continue to receive the same response : " We do not know the reason ; you need to wait. '' Since I am currently overseas, I provided my international phone number and email address, requesting that any updates or responses be sent there. However, I have yet to receive any communication regarding this matter. It has now been two months since my account was locked, and I still can not access it.

At this point, I would like to urgently regain access to my account so that I can withdraw all my funds and transfer them to another bank. As this is a checking account, I find it highly unreasonable and unacceptable that access has been restricted for this length of time without any explanation or clear resolution process.

Since opening the account, I deposited funds but have never made any transfers. While I am unable to verify the exact balance due to my current access restrictions, I recall having approximately {$35000.00} in the account.

I kindly request immediate assistance in restoring my account access or, at the very least, a clear explanation of why my account was frozen and what steps I need to take to resolve the issue. Please treat this matter with urgency, as it has already been unnecessarily prolonged.

I appreciate your prompt attention and look forward to your response. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: SC

Complaint narrative:
I requested that the information on my credit report be thoroughly investigated by XXXX.Also to send a copy of my credit report and the proof of findings when completed. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-02-03 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: SC

Complaint narrative:
I requested that the information on my credit report be thoroughly investigated by XXXX.Also to send a copy of my credit report and the proof of findings when completed. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX NOT PROVIDED XXXX XXXX XXXX XXXX XXXX XXXX Names For your protection, names are typically not disputable online. Please for assistance. 
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 2025-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: WA

Complaint narrative:
My identity was stolen to open accounts in my name fraudulently. I have already disputed this account and it was removed from my file as not being mine but it was reinserted. The account in question is XXXX XXXX XXXX XXXX XXXXXXXX and LEAD BANK XXXX XXXX XXXXXXXX I have been the victim of many accounts open in my name fraudulently and apart of a data breach that has exposed my information. The address that are on my credit file is not mine and have never lived : XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
RECEIVED LATEST STATEMENT REFLECTIVE OF MONEY IN SAVING ANDD CHECKING ACCOUNTS WHICH I NEVER TOOK THE TASK OF DOING JUST CLOSING XXXX CHECKING DUR TOO UNUSUAL TRANSACTION TRANSFERS AS SPOKEN BY NAVY FEDERAL CREDIT UNION BUT NOT REFLECTIVE ON BANK STATEMENT. EYEWITNESSING IN A EMAIL TRANSMITTAL TRANSMISSION XXXX XXXX  ACTIVITIES FOR THE MONTH OF XX/XX/XXXX WHICH I HAD AN ACCOUNT BUT NEVER ACCEPTED AN AWARDED FUNDING FROM MY FORMER BOSS XXXX XXXX OR OTHERS THAT WERE LISTED IN SIMILIAR FIRST NAME AND SURNAME OF FORMER BOSS XXXX. REJECTED ALL TRANSACTIONS SENT BACK TO SENDER ON XXXX XXXX APPLICATION. BUT OBVIOUSLY SEEING DISCREPENCIES AS TOWARDS TWO DEPOSIT OF {$5.00} WHICH HAS BEEN SPOKEN OF RETURNED BUT NEVER RECEIVED BY ME AND A INSTITUTED REQUESTED CLOSURE OF MY ACCOUNT. I FEEL THIS IS A ATTEMPT TO SIGN ME UP FOR SOME KIND OF MILITARY SERVICES I DID NOT GIVE LICENSE AUTHORIZATION PERMISSION FOR ANY SUCHLIKENED PERMISSIBLE PURPOSES RECEIVING NOTIFICATION OF A LOAN I GAVE NO GRANTANCE AUTHORIZATION PRIVILEDGES OF APPLYING FOR ON XX/XX/XXXX TAKEN INTO CONSIDERATION MY ACCOUNT HAS BEEN VERIFIED CONFIRMED AS AUTHENTICALLY CLOSED AS REQUESTED AFTER RECEIVING A PHONE CALL FROM THE EXECUTIVE OFFICES OF NAVY FEDERAL CREDIT UNION ON XX/XX/XXXX IN XXXX HOME AFTER GOING TO THE XXXX DISTRICT COURT HOUSE IN XXXX FOR A UPCOMING HEARING AND REQUEST SUBPOENA FOR DETECTIVES IN A ON GOING CASE INVOLVING MY BEING XXXXXXXX XXXX  AS A RESULT OF XXXX XXXX XXXX XXXX WHICH I EXPERIENCED AT THE XXXX XXXX XXXX XXXX OF NAVY FEDERAL CREDIT UNION BY BRANCH MANAGER. I HAVE BROUGHT SUCH COMPLAINTS TO EXECUTIVE OFFICES AND HAVE BEEN IGNORED AND INVALIDATED BY SUCH CREDIT AS TOO NOT BEING PRESENT AT BRANCH ON XX/XX/XXXX WHICH IS A FALSIFIED STATEMENT WHEN A RESIDENT MEMBER WHERE I LIVE VALIDATED SUCH CONCERNS DRIVING ME TOO THE BRANCH THAT PARTICULAR MORNING HAVING RECEIPT NOTIFICATION AT THE MILITARY GATE BEFORE BACKGROUND CHECK ADMITTANCE ON GROUNDS. ANOTHER COVERUP CORRUPTION CASE WHICH DETECTIVES ARE AWARE IN OBSTRUCTION OF JUSTICE IN A ON GOING CRIMINAL INVESTIGATION INVOLVING XXXXXXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AZ

Complaint narrative:
Subject : Dispute of Inaccurate Information Related to Cash App To Whom It May Concern, I am writing to formally dispute an inaccurate or unfair financial transaction that has impacted my credit report.

Cash App wrongfully withdrew {$1000.00} from my account and has refused to return the funds. Additionally, Cash App is currently facing a lawsuit for financial misconduct, which further supports my claim of an unjust transaction.

The specific details of my dispute are as follows : * Company Name : Cash App ( Square , Inc. ) * Transaction Amount : {$1200.00} * Transaction Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
someone stole my identity and opend a bunch of fraudenlt accounts in my name please investigate these accounts.

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 2025-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: DC

Complaint narrative:
I made a purchase using Klarna and returned the product following the store 's return policy. I provided the necessary proof of return, including the tracking number and confirmation of delivery to the merchant. Despite this, Klarna has refused to accept the return and has closed the dispute without providing a valid reason. 

I contacted Klarna multiple times to request confirmation of the return and the status of the refund. I also asked for the reason why my return was not accepted. However, I have not received a satisfactory response, and Klarna is attempting to charge me for the full amount of the order, which I consider unfair given that I returned the product as instructed. 

I am requesting the intervention of the CFPB to resolve this issue and ensure that I am not held liable for a debt related to a product that I no longer have and properly returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: AZ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/year> XXXX XX/XX/year> XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX I applied for a business ( XXXX XXXX XXXX XXXX ) loan application ID ( XXXX ) amount {$100000.00} at Wells Fargo branch located XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, banker XXXX XXXX XXXX XXXX ( XXXX ). I never received any documentation in regards to why I wasn't qualified for business credit loan denial. I was just told by the banker XXXX XXXX. XXXX XXXX was very nice and professional. I don't want to put any blame on the banker for the reason of load denial. I just don't understand the reason the back office didn't approve my loan so I can prepare for another try for the loan again. At the time XX/XX/XXXX of writing the letter my XXXX score is XXXX I currently have no items in collections. My XXXX XXXX XXXX XXXX XXXX ) has been established since XXXX. I have been a customer of Wells Fargo since XXXX so my relationship with the bank has been well established. My reason for the loan is well justified as I'm trying to obtain equipment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I plan to apply for the loan again in the near future. Please provide me more information or better guidance on obtaining the loan successfully. So I can work on my business plan and obtain equipment to 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 2025-02-03 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: AZ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/23 XXXX XX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2025-02-03 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: GA

Complaint narrative:
Could not speak to anyone about the money that vanished

Company response to consumer: Closed with explanation