vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 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: CA

Complaint narrative:
I am of legal age required to obtain an unrestricted financial services account ; that allow a person to send and receive money, money can be withdrawn and a prepaid debit card can be issued for said above account. It is unclear to me how long I held the account before the action was taken. 

Cash-app took an action against my account that was unfavorable for reasons to broad and or ambiguous for me to understand. I contacted them by way of chat and requested to know the specific reason detailed that my account was suspended followed by closed without contacting me, in a timely manner regarding this claim against me, providing me with Due Process Protection under the law. Furthermore, I have contacted them numerous times on different occasions trying to find out exactly the reason for the closing of my account, and wanted them to provide me a reason for not contacting me in advance regarding this said issue that caused the closure.

In addition to the run around whenever I contact them. I believe I am a victim of unfair business practices in which my guaranteed protection under the Constitution of the United States was violated in a way that is malicious and unconstitutional. 
I am again formally requesting the specific reason for the closure and the evidence of me willfully ignoring and violating cashapp policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I fell victim to an online scam orchestrated by an unlicensed brokerage company named " XXXX XXXX '' which is also a client of Bank of America, registered as XXXX. XXXX XXXX XXXX XXXX under the account number XXXX. When the scam took place, money was transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Bank of America itself. I have contacted BoA to initiate a recall request for all the transactions and explain to me why they did not have supervision of the account that is with their organization. XXXX regulations are applicable additionally in this case. My concern is that I have previously never made transactions in such an amount as well as never sent money to a crypto exchange platform of this individual. And the bank has not inquired more information nor doubted a very clear pattern showing I was being manipulated by a third party. Bank of America was very slow to respond to my inquiries and still have not responded to the claim for the transfer made to their organization.

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 2024-07-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
My name is XXXX XXXX I have an account with Chime and Chime has been playing some shady games with me, and is now unwilling to, and WIL NOT help me anymore. In fact since I filed a XXXX report against Chime Inc. they threatened to close my account and will no longer appropriately investigate my claims. 

I have filed multiple disputes with Chime over my account ( XXXX ) regarding merchant errors in transactions that I was overcharged for. I believe chime to be skimming my accounts. 
When I filed my disputes they gave me the line of you will have a credit WITHIN 10 business days, but then an hour after filing they would reject my dispute and not even investigate. Despite the fact I submitted multiple forms of proof. Including FBI REPORTS, letter from vice president of the company that handled my transaction CONFIRMING they accepted the dispute, etc.

One particular case I am XXXX off about is XXXX I have uploaded all necessary documents to their secure link and I have asked numerous times for the provisional credit to be released to me. 3 days ago, 2 reps lied on the phone saying I was to get the credit.

Regulation E requires ALL disputes to be issued credits within 10 business days, I am not considered a new account and it has gone well over 10 business days of course NO CREDIT ISSUED, only denial without properly explaining and showing tools used in investigations, as I have been demanded for documents of proof against my claim, so should they! 
This is among several disputes they denied inappropriately and wrongfully and multiple currently open, that I am owed a credit for. 

They are now taking credits back and denying claims, and when I ask for paperwork on it, they send me MY paperwork I SUBMITTED or just a XXXX TX number which doesnt change the fact I WAS CLEARLY OVERCHARGED and have evidence for this as well!!!! and now causing my account to go negative because of their negligence regarding these claims. 

If yall could have my credit issued to me for my open cases I would appreciate it very much. 

Please let me know what other details you may need. 
Also my number is XXXX if anyone needs to reach and speak with me. 
I appreciate you helping me get a solution in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have made several attempts in requesting help from Experian in regards to collection accounts on my credit report. The Creditors have not responded to my dispute letters and neither have Experian. Experian has failed to protect me as a consumer by not doing a proper investigation on my behalf and allowing these creditors to continue to report negative, inaccurate information that they have not proven to be legally mine.

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 2024-07-02 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: Chime Financial Inc
State: CA

Complaint narrative:
Chime was aware of documents and debit cards being stolen from my vehicle during a visit to my family in another town. Disputed claims for XXXX $ that had popped up and for XXXX $ and have been denied my dispute claims. Chime was provided documents and proof such as a police report of the occurrence and but still has denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
After my mother 's passing in XX/XX/XXXX and the completion of the necessary paperwork by XX/XX/XXXX, funds from her savings account at Marcus Bank by Goldman Sachs were to be sent out to me and my siblings. My siblings in the U.S. received their checks without any problem. My check ( approx. {$40000.00} ) was to be mailed to my address in XXXX. On XX/XX/XXXX, a shipping label was created with a XXXX, XXXX, but according to the tracking info, the check was never delivered to the carrier. Since then I've contacted the bank several times asking for info on when the check can be properly sent. The bank informed me that the matter is under investigation, but as of XXXX, nothing has changed. I've received no explanation for what went wrong and no projected date for when the issue will be resolved and the check delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
Last week contacted to settle an amount to pay. He said he wouldn't work with that and needs the entire amount. He stated he would continue adding to the account for interest when not paid to ruin my credit. 
He hung up on me..called him back and he wouldn't answer..he then said he was going to have me arrest for harassing him by calling. 
My number is now blocked and the amount keeps adding every week.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-07-02 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: FL

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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 finish 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 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 2024-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems has been persistently reaching out to me, even though I've paid my debt with the original creditor. Just last week, a representative from Jefferson Capital Systems contacted me regarding this account and inquired about my payment plans. I explained that I had already paid the original creditor in full. The representative claimed he had no way to verify this payment or contact the original creditor. I informed him that this was unlawful and violated the FDCPA and FCRA, as they continue to report the debt as unpaid. The representative argued and said the best he could do was mark the account as disputed. Payment Confirmation Number XXXX was paid directly to the original creditor XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, leaving me with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding 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 2024-07-02 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Account name : XXXX XXXX Account number : 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 2024-07-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I was reviewing my credit report and noticed that I Had some inquiries that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-07-02 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( Account name : XXXX XXXX XXXX # XXXX ), ( Account name : XXXX XXXX XXXX XXXX  # XXXX ), ( Account name : XXXX XXXX XXXX XXXX # XXXX ), ( Account name : XXXX XXXX XXXX # XXXX, ) ( Account name : XXXX XXXX XXXX # : XXXX ), has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-02 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: IL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and 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 2024-07-02 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2024-07-02 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: VA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These furnishers continue reporting false, inaccurate information on my credit report. XXXX, XXXX and Equifax continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! - Per Section 623 15 U.S. Code 1681s2 : 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. - Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. - Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief