vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I have 2 transactions I'm reporting. The first is a fraudulent transaction for a hotel in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  made at XXXX XXXX  and a special request for XXXX large bed. Total {$590.00}. I was actually at a different hotel that weekend with XXXX kids and my friend. I can not be 2 places at once so it doesn't make sense to have two reservations for two different hotels at the same time also there was 6 of us so the request for 1 large bed is absurd. Several points which I provided to cash app multiple times. I also provided them with proof of the hotel I was ACTUALLY staying at. I reached out to cash app immediately upon discovery of the fraudulent transaction trying to get them to stop/reverse sale/cancel on XX/XX/scrub>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  The withdrawal of this money has left me in the negative of over XXXX dollars for many months along with the numerous overdrafts I had to pay for transactions made from a negative account. Cash app has given one excuse after another and now they are denying my dispute saying it's been too long to deny the transaction! I've been trying to get this resolved since the DAY AFTER THE TRANSACTION WAS MADE! I haven't been able to get anywhere with them! I have all of the correspondence between myself and cash app to back up my statement as well! Also I was scammed by a fake website posing as a XXXX XXXX  out of {$59.00}. as soon as the transaction went through and I saw the email address I knew something was wrong so I immediately contacted cash app to void the transaction which they told me they couldn't do anything until the merchant closed the sale even after telling them it was a scam! I recently got in contact with the scammers by email and they kept stringing me along which I provided to cash app as well but they denied it too also claiming it was too late to do anything even though I had been trying to resolve this since XX/XX/XXXX! Cash app did not investigate my claims although they claimed they did but if they actually did there would be no way they could deny there was fraud involved. I'm just leaving an abusive marriage where I almost lost my life and have no income yet and I need this money back desperately! I trusted cash app with my money and they screwed me over and refuse to accept responsibility for anything! You are my only hope!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Lending Services LLC
State: PA

Complaint narrative:
I have requested a 1099-c for an auto loan due to a charged off account. I inquired with them why i still owed the debt when it was already charged off and I did not get the documentation I requested. They still tried to coerce me into making future payments and denied me validation of debt and the 1099-C for tax purposes due to a charged off account. I am requesting this or would like this information from my auto loan completely removed from all the credit reporting agencies if they are unable to provide the legal and required documents. Global Lending Service charged of this account in 2023 and have still not provided me the document. XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
there is a legal hold on my account due to a judgment I requested a copy of the information concerning the judgment and the supervisor from Capital One Bank Legal Dept by the name of XXXX who refused to provide her last name due to security purpose ID XXXX was not helpful. I asked if there was anything she could do to get me a copy of the information and she refused. When I asked to speak to someone else higher up, she said there was no one else but that was a lie. I was able to call back and got another manager, by the name of XXXX who at least attempted to help me. 

I have been banking with Capital since XXXX  and the way this employee acted was so unacceptable that I am not considering to closing the account and going elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate unverifiable accounts, unresolved the consumer financial protection bureau CFPB has recently filed a lawsuit against Experian, a legend, systematic issues, such as a failing to forward, consumer provided evidence to furnishings accepting unreliable responses, and failing to adequately, notify consumers of dispute outcome these failures aligned with my experience where experience has neither corrected or removed disputed items the evidence I provide cause ongoing harm to my credit I am requesting immediate corrective action to remove our amend the disputed account as Experian in action violate federal laws and my rights as a consumer

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion systems are reporting as down on every operation. Agents tell me they have to escalate but cant provide information on why I cant see my information despite creating an account and paying for a score. Unsubstantiated drop on report. Other XXXX agencies show dramatic increase. I believe TransUnion has become compromise XXXX  again but they are refusing to acknowledge and jeopardizing my credit standing in the process.

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 2025-01-27 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: TN

Complaint narrative:
I am writing to file a formal complaint regarding the failure of all three major credit bureaus ( XXXX, XXXX, and TransUnion ) to properly address issues related to my credit report, despite my efforts to resolve them. 

Failure to Remove Identity Theft Items : I submitted an Identity Theft Report and provided it to each of the three credit bureaus to have fraudulent accounts removed from my credit report. Unfortunately, none of the bureaus have removed the fraudulent items, and they continue to appear, negatively impacting my credit. I have attached a copy of the Identity Theft Report for your reference and request that these items be removed as required by the Fair Credit Reporting Act ( FCRA ).

Charged-Off Accounts : Additionally, I have noticed several accounts on my credit report marked as " charged off. '' However, I did not receive a 1099-C form for these charged-off accounts, which is required under IRS regulations when a debt is forgiven or canceled. I request that the credit bureaus verify the accuracy of these accounts and ensure that they are reported correctly, including the proper handling of the 1099-C. 
Both of these issues are causing significant harm to my credit, and I have made multiple attempts to address them directly with XXXX, XXXX, and TransUnion, but have not received a satisfactory resolution. I am requesting that the CFPB intervene and assist with ensuring that these matters are handled in accordance with federal regulations. 

I appreciate your prompt attention to this matter and request that the credit bureaus be instructed to take the appropriate actions. Should you require any further documentation or information from my side, please do not hesitate to reach out. 

Thank you for your time and assistance.

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 2025-01-27 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: MD

Complaint narrative:
As per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete or unverifiable must be promptly deleted or corrected by. Failure to adhere to these requirements constitutes a violation of federal law. Equifax has failed to comply with the federal law. 

I conducted five disputes in XXXX  with Equifax on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> to correct disputed inaccurate information on my credit reports. For the disputes submitted on XX/XX/year> and XX/XX/year>, no report was provided which showed the results and evidence used in the investigation. For the disputes on XX/XX/year> and XX/XX/year>, Equifax did not provide any supporting detail for its investigation and did not respond to the claims provided in the original dispute. I additionally have talked to the companies themselves, which provided information which was not included in the investigation report. 

Given the recent CFPB findings, I expect Equifax to handle this dispute with the utmost seriousness and compliance with legal standards. If Equifax fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal actions to protect my rights. Please respond to this dispute in writing within the legally mandated timeframe. I expect confirmation of any changes made to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Everi Payments Inc.
State: NJ

Complaint narrative:
XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) When withdrawing money from an ATM with XXXX XXXX XXXXn XX/XX/XXXX, the amount was incorrect. ( Requested {$2000.00} but {$570.00} was withdrawn ) I immediately called the ATM company and informed them of the situation. The ATM staff informed me that there was nothing they could do right away, They told me to call the CREDIT CARD ( XXXX XXXX ) company. 
So, I contacted my CREDIT CARD ( XXXX XXXX XXXX XXXX and informed that of the situation, and they said the only way was to DISPUTED later ( after withhdrawal record show up ) So, I requested DISPUTED on XX/XX/XXXX and received a response on XX/XX/XXXX. According to the ATM company 's records, the requested amount was paid accurately and there were no problems. 
The XXXX ATM machine itself was ERROR, so I protested and asked how the record was correct, but the answer did not change I also attached a photo, but STAFF said that I could not even view the attached file. 
They told me there was no other way and told me to call the XXXX ATM company directly to resolve the issue, but they refused because there was no problem with the records. 
I explained the ATM machine defect and the photos taken at the time, but the situation did not change due to the withdrawal record. 
How can I get help?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 ( CPFA ). 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( ETFA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-01-27 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have the right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was using XXXX and sometimes My money would be taken out my account or account compromised with out caution

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 monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion lowered my XXXX XXXX XXXX points because a credit card balance decreased by {$55.00}!

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXX XXXX XXXXhat you, the TransUnion, XXXX, XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX XXXX XXXX XXXX Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
XXXX XXXXXXXX XXXX XXXXXXXX - Timing of PaymentXXXX XXXX XXXX XXXX Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXXXXXX XXXX XXXX XXXX  ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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