vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: NC

Complaint narrative:
My account for CashApp became negative on XX/XX/XXXX and I have been unable to determine how. I transfer money to CashApp to use, I do not maintain a balance in my account. I transfer money, use it. transfer money, use it. I had {$15.00} in my account, added {$19.00} and spent {$34.00} at XXXX. All prior transaction $ had already been removed form my account. A couple days later, my CashApp account was negative {$30.00} but I had no new transactions and no money returned to my account. I have checked my statements but Cashapp does not provide a running balance, only the starting balance for the month. I did an audit to see if I could determine how the account became negative and have been unable to figure it out. When I ask Cashapp they tell me my account 's negative because my bank disputed a transaction. The transaction in question is the {$30.00} they attempted to take from my bank when my Cashapp account became negative but Cashapp can't tell me which transaction or how my account became negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The fraudulent information listed below shows on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I received a 1099-K yesterday, XX/XX/XXXX, from Cash App detailing {$6700.00} in payments received during XXXX. I did not use Cash App during that time period nor have I used them in any other calendar year. I called the support line today, XX/XX/XXXX, and asked for an internal investigation. They told me I had to contact local law enforcement and the FTC in order to get it resolved. They are not cooperating with me individually.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: PA

Complaint narrative:
In XX/XX/XXXX I received a letter from US Bank, in the letter I was informed that due to the banks negligence the bank was ordered by your department ( CFPB ) under a XX/XX/XXXX legal settlement to offer the consumers that they injured a remediation from actions the bank took during part of XXXX. I was directed to apply for potential remediation because my ReliaCard unemployment insurance card had been frozen during XXXX XXXX XXXX. I have complied with the requested documents and theyre request. I do understand that the first submission ( XXXX XXXX XXXX ) I didnt realize that I had submitted additional documents that went past the XX/XX/XXXX impact period window. Once they sent me their response that they documents and information submitted was past those dates I reviewed and re submitted the documents that were inside the impact period, submission was due by XX/XX/XXXX, XXXX response received to my surprise was the same! I then received a letter stating that I had until XX/XX/XXXX to submit additional documents. At this point Im frustrated because I have been more than compliant with their request submitting OFFICIAL documents to the claim. Lastly I noticed that while the letter I received stated the impact period is between XXXX XXXX XX/XX/XXXX on the website they provided to submit the claim the impact period was only set between XX/XX/XXXX, XXXX XXXX, XXXX. 
I believe this behavior conducted by the bank and the claim administrator is unethical and fraudulent.

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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding a fraudulent withdrawal of {$200.00} from my Cash App account on XX/XX/year>2025. The transaction took place at an ATM in XXXX, Oregon, while I was at my workplace in XXXX, Washington. 

Despite submitting multiple claims to Cash App, including my work schedule and witness statements confirming my location at the time, they have repeatedly denied my fraud claim and have failed to resolve the matter. This has caused significant financial distress, and I know the situation constitutes fraud, as I did not authorize the withdrawal. 

I respectfully request your assistance in investigating this matter and ensuring that Cash App fulfills its obligations to resolve this issue. 

Thank you for your time and attention. Please let me know if you need any further details or documentation to support my case. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-29 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year> my personal belongings were stolen to include my car keys, my wallet ( including my driver 's license ), and apartment keys and credit cards were stolen. The Merchant " XXXX '' was able to pull the video footage for police to prove that it was not me nor was I responsible for any of the multiple changes that he accumulated on this particular night. SOFI Bank DID NOT do a proper investigation. SOFI bank had the claim in their possession for 1 business day before denying the entire claim with a part of the claim stating that they were in collaboration with the merchant -- - AND IN FACT NEVER EVER REACHED OUT TO THE MERCHANT. My claim was not properly investigated and needs to be properly attended to so that I can receive the funds back that were stolen from me. The attachment proves that the claim was held for a day without any proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
I am filing a complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681a, which defines the obligations of credit reporting agencies to ensure the accuracy and integrity of the information they report. I disputed inaccurate information on my credit report account ( # XXXX ), but XXXX failed to follow up or correct the errors. 

XXXX actions also violate Section 1681i, which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. The CFPBs recent lawsuit against XXXX, alleging the acceptance of unreliable information and failure to notify consumers of dispute results, mirrors my experience. This failure has negatively impacted my credit and ability to obtain financial products. 

XXXX negligence in this matter violates my consumer rights under the FCRA, and I request the CFPB investigate and take corrective action.

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 2025-01-29 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: MI

Complaint narrative:
I am filing a complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681a, which defines the obligations of credit reporting agencies to ensure the accuracy and integrity of the information they report. I disputed inaccurate information on my credit report account ( # XXXX ), but XXXX failed to follow up or correct the errors. 

XXXX actions also violate Section 1681i, which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. The CFPBs recent lawsuit against XXXX, alleging the acceptance of unreliable information and failure to notify consumers of dispute results, mirrors my experience. This failure has negatively impacted my credit and ability to obtain financial products. 

XX/XX/XXXX negligence in this matter violates my consumer rights under the FCRA, and I request the CFPB investigate and take corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
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 non-monetary relief
Consumer complaint received 2025-01-29 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: LEXISNEXIS
State: MA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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:
XX/XX/XXXX is when i submitted my very first letter to all XXXX major credit bureaus trying to remove and update all incorrect information due to identity theft. Till today ( XX/XX/XXXX ) nothing has changed. I have filed a second police report on XX/XX/XXXX. I sent all the info of the police reports, I sent all the letters explaining to them that some of the addresses, debt, and collections do not belong to me and they were opened fraudulently. I even asked them to provide proof and info on how they are verifying this debt and nothing has been received from them. Its been over 3 months since I have requested that information. I have froze my accounts and submitted identity theft reports to the FTC. I have MULTIPLE reports. I am about to file a 3rd police report on identity theft. Below are all my FTC reference numbers. For each number I have submitted multiple letters to each of the 3 credit bureaus and nothing is changing on my credit report, and new things keep appearing almost every month. It is disturbing the quality of my life and I need this incorrect/ fraudulent information removed immediately! 

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 2025-01-29 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:
XX/XX/XXXX is when i submitted my very first letter to all 3 major credit bureaus trying to remove and update all incorrect information due to identity theft. Till today ( XX/XX/XXXX ) nothing has changed. I have filed a second police report on XX/XX/XXXX. I sent all the info of the police reports, I sent all the letters explaining to them that some of the addresses, debt, and collections do not belong to me and they were opened fraudulently. I even asked them to provide proof and info on how they are verifying this debt and nothing has been received from them. Its been over 3 months since I have requested that information. I have froze my accounts and submitted identity theft reports to the FTC. I have MULTIPLE reports. I am about to file a 3rd police report on identity theft. Below are all my FTC reference numbers. For each number I have submitted multiple letters to each of the 3 credit bureaus and nothing is changing on my credit report, and new things keep appearing almost every month. It is disturbing the quality of my life and I need this incorrect/ fraudulent information removed immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX Ive recently pulled my consumer credit report and I've noticed some inaccuracies reporting on my credit profile.I have contacted and asked if they can investigate whether the information that's reporting on my credit report is accurate.However after they have thoroughly investigated that the information was accurate, I've noticed that there are some inaccuracies that are still reporting. I then requested for the creditor to send me any documentation they have Within 30 days. They have failed to send me any documentation in regards to the account thats reporting on my credit profile. 

In accordance with the fair credit reporting act XXXX Account number XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX A states that I have the right to privacy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  It also states a consumer reporting agency can not furnish an account without written instructions.

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 2025-01-29 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX Ive recently pulled my consumer credit report and I've noticed some inaccuracies reporting on my credit profile.I have contacted and asked if they can investigate whether the information that's reporting on my credit report is accurate.However after they have thoroughly investigated that the information was accurate, I've noticed that there are some inaccuracies that are still reporting. I then requested for the creditor to send me any documentation they have Within 30 days. They have failed to send me any documentation in regards to the account thats reporting on my credit profile. 

In accordance with the fair credit reporting act Convergent Account number XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX states that I have the right to privacy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish an account without written instructions.

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 2025-01-29 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: MI

Complaint narrative:
The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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

This is a violation of both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Newman, Hesse & Associates, P. A.
State: OK

Complaint narrative:
Wages being garnished for a bounced check over 25 years old. Kansas statute of limitations on promissory note debt is 6 years. I wasn't notified of any hearing or given a chance to attend. Being garnished over {$1600.00} for what was probably a {$20.00} check. 25 % of my wages

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information on my XXXX credit report for the account listed under RESURGENT RECEIVABLES LLC ( Original Lender : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Accuracy in my credit file is crucial to me, and I am reaching out to ensure this information is properly reviewed. 

Specific Inaccuracies : 1. Account Details Missing Information : Key details such as the Date of Last Payment, Monthly Payment, and Payment Frequency are listed as Not Reported or Not Provided. These omissions make it difficult to confirm the accounts validity and status.

2. Amount Past Due : The report reflects a balance of {$590.00} as past due, but there is no breakdown or history provided to validate this figure. I request verification of this amount, including detailed payment records or proof of the debt. 

3. Age of Account : The account is listed as XXXX XXXX XXXX, but its unclear when the account was opened or what date this timeline reflects. This lack of transparency is concerning. 

I can't verify that this account is being reported correctly without accurate and complete details. This not only causes unnecessary confusion but also has the potential to harm my creditworthiness unfairly. 

Supporting Context : The remarks note that this account has already been disputed. While I appreciate that an initial review was conducted, I ask for a deeper investigation given the significant omissions and discrepancies in the reported information. Its vital that my credit report reflects complete and accurate data. 

Per the Fair Credit Reporting Act ( FCRA ), I kindly request that you verify the details with RESURGENT RECEIVABLES LLC and provide me with a written response confirming the accuracy of the data or correcting/removing the errors. If the account can not be verified, I respectfully request that it be deleted from my file. 

Also, this fraudulent account has been disputed and removed from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
I've contacted Equifax over XXXX times within the last 3 months relating to creditors being unable to access my Credit score. Equifax has yet to fix the problem, creditors are still unable to access my credit score. I also have requested over XXXX times for them to mail me my updated Credit Score/Beacon score & its been over 90 days without any resolution to my problem, which is holding me up from moving foward in my life!! I was in the process of purchasing a home & now that particular home is no longer available because of this ongoing issue with equifax. Just 90 days ago I had a beacon/credit score & all of a sudden no one has been able to access my information. This issue is causing extreme hardship along with them reporting inaccurate information on my credit file.

Company response to consumer: Closed with explanation