vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: VA

Complaint narrative:
I was scammed by a person online for several transactions that total {$6200.00} through Cashapp in XXXX and XXXX of XXXX. Cashapp ruled in my favor that these were fraudulent and on XX/XX/XXXX and promised to refund them on XX/XX/XXXX. ( I have attached the communication from cashapp disputes promising the money within XXXX business days credited back to my ( Now Closed, yet the checking account is still open ) debit card ending in XXXX. The money never showed. I reached out to cashapp support via email phone and chat. I have provided files that show these interactions. The only answer I get from Cashapp support is that cashapp shows that they refunded me the money on their end. I never get a different answer or another way to get the money refunded back to me. They only say that they refunded me and hang up on me or stop communicating. XXXX email, they no longer communicate with me. I asked for them to send a check instead and they do not answer me. I am being ignored. I reached out to my bank ( XXXX ) and they escalated the issue and researched. They found no pending refunds of any kind posted to any of my cards ( Active and Inactive ) or accounts. They said no attempt to refund me was made by Cashapp at all. ( I have provided a letter from XXXX stating such. Cashapp refuses to attempt the refund again or get me my money in another way. I was advised to inform cashapp of what XXXX found and XXXX bank advised me to come to this site to try and get my refund from cashapp. 

Cashapp denied my complaint with lies. My bank provided proof that they did not receive any refund yet cash app came back from a previous dispute saying they refunded me without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CHERRY TECHNOLOGIES INC.
State: NC

Complaint narrative:
I answered an ad on XXXX for a facial for {$89.00}. I went in and received the services and paid for the services. I purchased XXXX more for which I paid. I was not aware that I had contracted with a financial company for services for which I did not receive. I tried to resolve this issue with XXXX and Cherry. Cherry said they paid XXXX and I had to get the money repaid by XXXX. I am a victim of predatory behavior as I am a senior on a fixed income. I spoke with XXXX and and owner and was assured the issue would be resolved. I kept being harrassed by Cherry Technologies and was reported to the credit bureau as written off and in collections. The credit bureau contacted me to inform me of this situation. My credit has been destroyed. I lost XXXX points. I am struggling to pay my bills working a part time job just to get by. My ambition is to pay my credit cards off. When I lost my job, I had excellent credit. But I was forced to live on credit cards until I could find gainful employment. Now this. My health is deteriorating because of this stress. These people saw an easy prey. Ruined me! I will never trust credit card companies again as they are in the business to enslave people who are in dire straights. This is absurd. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
This letter is a formal complaint against EQUIFAX. They reported an inaccurate information on my credit reports. I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. I'm sure you'll agree, the late payment ( s ) needs to be updated/deleted as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX- Account # XXXX ( 30 days late XXXX and XX/XX/2022 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX accounts listed below has violated my civil rights : 15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Collections Account : XXXX XXXX : opened XX/XX/XXXX Credit inquired with dates as followed : XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX Bank 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 non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, 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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-06-28 00:00:00
Product: Credit card or prepaid 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Dispute Case : XXXX I made a dispute for {$190.00} on XX/XX/XXXX however the whole charge of {$8500.00} was taken from the merchant 's account even after I explicitly written and submitted that I only was disputing {$190.00} of it. The dispute form also ask how much I was disputing. I only stated {$190.00}. 

The {$190.00} covered the price I had to pay another contractor to fix a house gutter that merchant failed to repair as agreed. 

The merchant sued me in XXXX XXXX Texas under case no. XXXX. 

During that time, I have called a few times trying to figure out what was the problem and if the dispute was completed. During that time the dispute always showed pending, and I never got call backs confirming what happened or letters. 

The lawsuit granted the merchant a judgement of {$8500.00} against me. 

I called RBFCU customer service once again XX/XX/XXXX and asked my dispute to be escalated so it could be readjusted or stopped. 

Again nothing. 

I did get one email that the merchant still did not receive a credit of {$8500.00}. I replied that they have all the information they needed to get their credit back. 

Over a year and a half later, I get a notice from the merchant 's lawyer for 5 years of statements and other financial documents. I honestly thought that the merchant did receive a credit of at least {$8300.00} or the dispute was cancelled as I never received a letter or call that I won the dispute. 

During the last few weeks in XX/XX/XXXX, I have called XXXX many times and spoke with XXXX, XXXX, XXXX, XXXX, and many more. Specifically, XXXX who was to help figure out the issue with her manager and call me back. I have been transferred and hung up on. Only information I got was that the credit card services vendor has changed since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Concord Servicing Corporation
State: AK

Complaint narrative:
On three separate occasions, Blackwell Recovery has called my cell phone and then immediately hung up when I answer. When I attempt to return the call, I am placed on hold for 3 minutes, and then hung up on. I know that it is Blackwell Recovery, because they identify themselves that way on the automated answer to my call. I don't know of any account that I have in collections, and I don't know what Blackwell Recovery believes I owe, or how much they believe that I owe, because they refuse to speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
On XX/XX/XXXX, I received alerts from several " credit monitoring services '' regarding a new item that had appeared on my credit report. This was something saying " Collection/Charge-off '' from a company called Sunrise Credit Services. It allegedly had to do with an account with XXXX XXXX XXXX. 

I had had a cell phone account with XXXX XXXX XXXX at some time in the past, but I closed it almost exactly a year ago, and even successfully transferred the phone number to another carrier. 

There was some matter of an outstanding balance, matching the allegedly " delinquent '' amount. However, on XX/XX/XXXX, after communication with the XXXX XXXX XXXX, I received a letter saying that this would be refunded to me, which in fact that amount in question did, shortly thereafter, appear in my bank account : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Hello XXXX XXXX, I am with the XXXX XXXX XXXX Office of the President. We have received your complaint, investigated it, and provided the relief you requested. 

This will be available to you within 3-5 business days. 

If you have any questions, contact me at the telephone number below. Please reference our file number XXXX when calling. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
p ( XXXX ) XXXX | XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - As such, I think we can agree that I did not nor do not owe any outstanding amount to XXXX XXXX XXXX, and I certainly do not owe a cent to whatever " Sunrise Credit Services '' purports to be. 

Please instruct that firm to leave me alone in every respect. 

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion did not have my consent to furnish some of the information reported on my account.

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 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo sent me a new credit card in the mail. The new credit card was never delivered to me. Someone else received my credit card, activated it, and used it at three different XXXXXXXX XXXX XXXX locations. Wells Fargo is denying my claim and making me pay the bill for someone else 's crime. I have a police report supporting my claim.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-06-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Resurgent Capital ServicesXXXX XXXX XXXX ( XXXX XXXX  ) I have requested information from the creditor due to a XXXX XXXX credit card ( XXXX XXXX ) opened in XXXX and closed in XXXX. I have not used this credit card since than. They are saying I owe {$700.00} when I only had a credit limit of {$250.00}. They have also said that I made a payment in XX/XX/XXXX when in fact I did not, because of this, this is re- aging on my credit, continues to be sold to different creditors. The negative re-aging debt on my credit report is changing the delinquency status of all my credit reports, I have filed dispute after dispute and nothing has been resolved. I request that the harassments of text messages and phone calls stop, and this debt fall off my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
Spring Oak Capital SPV, LLC has reported inaccurate information about ( ACCOUNT XXXX ) to XXXX, XXXX, and XXXX consumer reporting agencies. Spring Oak Capital SPV, LLC has failed to conduct a reasonable investigation regarding the disputed information. If a reasonable investigation took place, the inaccurate information would have been discovered and changed accordingly. Instead, the inaccurate information was verified, and no changes were made. The inaccurate reporting of this account is damaging my ability to get credit, negatively affecting my credit score, and has caused me emotional distress.

I have disputed the accuracy and completeness of this account with the consumer reporting agencies on multiple occasions and the results come back verified. I have also sent a complaint ( XXXX ) to the Consumer Financial Protection Bureau to resolve the inaccurate reporting and requested the deletion of this account which was declined. 
Spring Oak Capital SPV, LLC has failed to satisfy its duty under the Fair Credit Reporting Act 15 U.S.C.1681s-2 ( b ). After my dispute was received by the credit reporting agencies, Spring Oak Capital SPV, LLC received a notification from the credit reporting agencies that the account was disputed. Spring Oak Capital SPV, LLC responded to the credit reporting agencies confirming the accuracy of the account without investigating, therefore violating the FCRA. This violation has occurred with all three credit reporting agencies and you are liable for the sum of {$3000.00} under 15 U.S.C. 1681n. Additional equitable relief sought is the deletion of this tradeline, with no future reinsertion to XXXX, XXXX, XXXX, and or any other consumer reporting agencies that may have been furnished with this account information. To allow you the reasonable opportunity to resolve this matter, you have no later than 14 days respond. Failure to respond will result in the escalation of this matter to arbitration. Furthermore amongst checking my report XXXX XXXX  Failed to notify all Credit Reporting Agencies of the DELETION OF The ACCOUNT THEY DECIDED TO REMPOVE OFF OF MY XXXX CREDIT REPORT BUT THEY DID NOT NOTIFY XXXX OR XXXX OF THE DELETION OF THE TRADELINE. XXXX ALSO SHOWS THE ACCOUNT STILL REPORTING AFTER I RECIEVED A NOTIFICATION THAT AROUND XXXX XXXX XXXX THAT THEY REMOVED THE TRADELINE FOR THE ACCOUNT WITH CELTIC BANK WHICH IS INDIGO. Which is another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I submitted a letter to them but I never receive any response or notification on what happen on the investigation they were suppose to do regarding the accounts I mentioned on the letter.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I submitted a letter to them but I never receive any response or notification on what happen on the investigation they were suppose to do regarding the accounts I mentioned on the letter.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022 & XXXX/XXXX  Date of Inquiry XX/XX/2022

Company response to consumer: Closed with non-monetary relief