vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OH

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Cash App regarding their refusal to properly address a lawful and legitimate dispute concerning an unauthorized charge. Cash App has shown a pattern of unprofessional conduct, negligence, and obstruction in handling my dispute, and I request immediate intervention. 

I notified cash app of the fraudulent charge minutes after it happened. it was still in a pending state when i first told them about it. That was on XX/XX/XXXX. They still claim it was legitimate despite me notifying them of the fraudulent charge and submitting documentation. I submitted documentation to Cash App regarding a charge from XXXX explaining that the charge was unauthorized and fraudulent. I also provided them with a direct email from the owner of XXXX, confirming that he would issue a refund. Despite the clear evidence I provided, it has now been nearly two months, and the refund has not been issued. 

Cash App denied my dispute without justification and continues to withhold any meaningful information regarding their decision. They repeatedly promised to provide documentation supporting their denial, yet to date, I have received nothing. When I inquire further, their representatives hide behind the chat system, offering vague statements that they refuse to elaborate on, and then abruptly disconnect from the conversation. 

This lack of transparency and refusal to address a legitimate, lawful dispute constitutes negligence and a failure to act in good faith under the law. Cash Apps conduct has caused me unnecessary stress, wasted time, and financial harm. As a consumer, I expect that my financial institution will handle disputes with fairness and professionalismnot dismiss my concerns without explanation. 

I urge the CFPB to investigate Cash Apps handling of my dispute and to require that they provide a detailed explanation for their decision, along with any supporting documentation. Furthermore, I ask that the CFPB take appropriate action to hold Cash App accountable for their mishandling of my case and ensure that I receive the refund I am owed. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if additional information or documentation is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I REQUESTED DOCUMENTS FROM XXXX XXXX XXXX AND WHAT METHOD WAS USED TO VERIFY MY ACCOUNTS. THEY NEVER PROVIDED ANY PROOF. THE ACCOUNT IS INACCURRATE AND ITS NOT REPORTING THE RIGHT BALANCE ON XXXX AND XXXX. THE DATE OPEN AND DATE OF LAST ACTIVITY ARE INACURRATE AND BALANCES ARE DIFFERENT. I HAVE SECURITY CREDIT REPORTING IN ACCURATE ON XXXX, XXXX, XXXX. DATE OPEN DATE OF LAST ACTIVITY. THIS IS A COLLECTION ACCOUNT. I HAVE ASKED FOR PROOF OF THIS ACCOUNT AND HOW IT WAS VERIFIED THEY NEVER SENT ME ANYTHING ON HOW IT WAS VERIFIED. THIS ACCOUNT IS REPORTING ON XXXX TWICE. VYSTAR CREDIT UNION IS REPORTING INACCURRATE DATE OF LAST ACTIVITY AND DATE OPEN. THEY NEVER SEND ANY DOCUMENTS ON HOW IT WAS VERIFIED. XXXX XXXX IS REPORTING INACCURRATE BALANCES AND DATE OPEN. THEY NEVER SEND OVER HOW THEY VERIFIED THE ACCOUNT. PLEASE HELP ME RESOLVE 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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
I REQUESTED DOCUMENTS FROM XXXX XXXX XXXXXXXX AND WHAT METHOD WAS USED TO VERIFY MY ACCOUNTS. THEY NEVER PROVIDED ANY PROOF. THE ACCOUNT IS INACCURRATE AND ITS NOT REPORTING THE RIGHT BALANCE ON XXXX AND XXXX. THE DATE OPEN AND DATE OF LAST ACTIVITY ARE INACURRATE AND BALANCES ARE DIFFERENT. I HAVE SECURITY CREDIT REPORTING IN ACCURATE ON XXXX, XXXX, XXXX. DATE OPEN DATE OF LAST ACTIVITY. THIS IS A COLLECTION ACCOUNT. I HAVE ASKED FOR PROOF OF THIS ACCOUNT AND HOW IT WAS VERIFIED THEY NEVER SENT ME ANYTHING ON HOW IT WAS VERIFIED. THIS ACCOUNT IS REPORTING ON XXXX TWICE. XXXX XXXX XXXX IS REPORTING INACCURRATE DATE OF LAST ACTIVITY AND DATE OPEN. THEY NEVER SEND ANY DOCUMENTS ON HOW IT WAS VERIFIED. XXXX XXXX IS REPORTING INACCURRATE BALANCES AND DATE OPEN. THEY NEVER SEND OVER HOW THEY VERIFIED THE ACCOUNT. PLEASE HELP ME RESOLVE THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX i walked into the XXXX XXXX branch i applied for a business credit application with XXXX XXXX. XXXX took my business credit application without even putting in my business information income and said I was denied. I believe XXXX was discriminating against me, because I am a XXXX woman. I have a XXXX XXXX XXXX and this unacceptable. I will be filing a lawsuit against XXXX XXXX for discrimination if this situation is not corrected. I have already reached out the FDIC for clarity on this issue. I look forward to hearing from someone soon.

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 2024-10-14 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: NY

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts 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 explanation
Consumer complaint received 2024-10-15 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: IL

Complaint narrative:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. This has cause me great anxiety, stress, and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: IL

Complaint narrative:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has cause me great anxiety, stress, and financial hardship.

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 2024-10-15 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-10-15 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: ProCollect, Inc.
State: MS

Complaint narrative:
I have advised these companies that these accounts were opened fraudulently. I am a victim of identity theft, and I didnt open these account. I didnt give anyone permission to open these accounts using my information. I am requesting that the account be closed & removed from my credit report. Please investigate this matter and correct the fraudulent account as soon as possible. In addition, pursuant to FACTA, as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to these fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: CA

Complaint narrative:
I was going thru a hardship and XXXX  XXXX took my payment i cleared my negative balance and they were suppose to activate my account again when i got a new card a week went by never received a card and when i called XXXX XXXX they said my account was closed as a charge off i burst out in tears i remember i was in the grocery store i kept getting transferred and some one in upper management would call me back. I never received a call back all i kept getting was treating messages from a debt collector and they were calling my job they wanted to settle they been testing me XXXX daily on my phone they reported it and it keeps getting reported then i was told please contact XXXX XXXX XXXX XXXX PLEASE HAVE THEM DELETE IT OFF MY CREDIT REPORT 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 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MI

Complaint narrative:
I have been sending in negotiable instruments to DISCOVER FINANCIAL SERVICES for my credit card for several months now. They have signed for via registered mail and green return receipt and kept every instruments I sent to tender my obligation. I have reason to believe their practices constitutes securities fraud based on what their SEC filings state and the return of a securitized audit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXXXXXX {$600.00} XX/XX/year> Acct # 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 2024-10-14 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX  helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142. ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human XXXX  fo of Debt XXXX and would like for all listed account to be block and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: IN

Complaint narrative:
There are inaccuracies on my credit report associated with 15 USC 16c-2. The inquiries listed were not authorized by me and are negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: NY

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Its been 30 days removed from illegally reporting This company is operating illegally in North Carolina without a license to collect the debt they dont own n : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief