vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I XXXX money from my account to the wrong person and XXXX told me at the time of XXXX hrs they were unable to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was taken to XXXX by XXXX XXXX to pay a on a defaulted personal loan. After entering into an agreement with the attorney for said company I have been making monthly payments in the amount of {$200.00} a month every month. Since entering said arrangement I have being making every payment as agreed. However, creditor is reporting payments as late payments on my credit report on original account. I have disputed this with credit reporting agencies and they have filed to obtain proof of such from creditor. This has been negatively affecting my credit.

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 2025-01-30 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: NJ

Complaint narrative:
I was taken to XXXX by XXXX XXXX to pay a on a defaulted personal loan. After entering into an agreement with the attorney for said company I have been making monthly payments in the amount of {$200.00} a month every month. Since entering said arrangement I have being making every payment as agreed. However, creditor is reporting payments as late payments on my credit report on original account. I have disputed this with credit reporting agencies and they have filed to obtain proof of such from creditor. This has been negatively affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
I was taken to XXXX by XXXX XXXX to pay a on a defaulted personal loan. After entering into an agreement with the attorney for said company I have been making monthly payments in the amount of {$200.00} a month every month. Since entering said arrangement I have being making every payment as agreed. However, creditor is reporting payments as late payments on my credit report on original account. I have disputed this with credit reporting agencies and they have filed to obtain proof of such from creditor. This has been negatively affecting my credit.

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 2025-01-30 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-30 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-30 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: NY

Complaint narrative:
Cash app is the company I am composing about I have had missed money from my account extra fees added on to transactions. I have had my app locked which means you are not able to access money. But several times money has came up missing. There is no way to contact them no live agent, when I call the number it would be wrong or just ring and hang up. I founded a lot of misleading situations with this company cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
In XX/XX/XXXX, student loan payments restarted and I paid mine on time. However, in XX/XX/XXXX, I received a notice from Mohela explaining that they did not give me a timely notification of payments restarting therefore I was entitled to a refund of that XX/XX/XXXX payment of {$630.00}. I submitted my request for this refund in XXXX of XXXX. This time happens to coincide when Mohela was " transitioning platforms '' therefore my application was lost. I have contacted Mohela regarding this refund on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and every time I receive a different answer, although they admit they are able to go back and see my original, timely request for refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-01-30 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: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
Information on my credit is inaccurate I did not authorize these companies to run my credit I sent letters to XXXX, and XXXX XXXX credit bureau regarding the issue to run their investigation still these items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-01-30 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: SC

Complaint narrative:
On XXXX sent TransUnion XXXX dispute via CFPB portal asking them to block fraudulent information reporting with the accounts XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX on XXXX 3 days later they said they are blocking my fraud request in accordance to 605b of the fcra even though I have provided the information asked year after year over and over this is not an error I was incarcerated from XX/XX/XXXX until XX/XX/XXXX making it impossible to open any accounts I have never owned any credit cards before going to prison and my credit profile should have been completely empty I only had XXXX secured loan that was paid back and I have court documents and my prison id card with my release date proving that I was unable this block request was no error I was unable to open a account I had no access to a bank to be able to open up a credit card I would not have been able to receive activate or use a card there is not even a XXXX XXXX institution in XXXX XXXX this is very frustrating dealing with TransUnion XXXX have asked for proof that the account is mine I get none they are discriminating me refusing to investigate this serious matter and causing me a lot of stress on me and my family and emotional abuse that I would not wish on any one I got out of prison wanting to change my life for the better but since becoming aware of this fraud I have been through XXXX can not get a apartment a Loan a mortgage TransUnion XXXX holding XXXX back I will provide these documents to TransUnion but if they still refuse to delete the information I will be forced to sue for discrimination racism failure to conduct investigations and basically refusing to even acknowledge or try to investigate the fraud and CFPB will be my witness to that below will be my prison ID & identity theft report AGAIN and the court documents that anyone can look up there self this using the South Carolina XXXX docket case search that you can reference yourself in the South Carolina XXXX XXXX ( XXXX ) as stated in the letter with this additional and undeniable information I expect transunion to block this information in XXXX business days or I will be starting the litigation process

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX - Received a Cash App card that I didn't apply for ( I do not have a cash app account ). 

XX/XX/XXXX - Called Cash App customer service and made them aware of the fraudulent account and asked them to close the account. I provided the following information per their request. 

In order to disable the card, we need the following : XXXX. Your Full Legal Name ( first and last ) XXXX. The name listed on the Cash App XXXX you received XXXX. Has anyone previously lived at this address? 
XXXX. Please use this link to securely share the front and back images of the card : https : XXXX. 

I was told that I would receive a follow up and never did. 

XX/XX/XXXX - I received an email stating that my case was being closed " because a response was provided, or it's been more than 3 days since we've heard from you ''. I was then given instructions on how to reach out though the App which I do not have. 

I replied- I don't have the app because I never opened an account. Cash App allowed someone to open an account in my name without the proper credentials. I would like documentation showing that the account is closed. This responsibility does not fall on me, this is on the Cash App company for allowing fraudulent activity. I was told that I would receive a follow up and never did. 

XX/XX/XXXX - I received a XXXX in my name from Cash App showing that the fraudulent account had accepted a total of XXXX transactions in the total amount of {$7600.00}. XXXX transactions occurred in XXXX and XXXX after I had made Cash App aware that the account was fraudulent and had requested to have the account shut down. 

XX/XX/XXXX - I reached out to XXXX and let them know about the fraudulent account/transactions. I was told that their fraud department only corresponds via email and that I would receive and email shortly. I never did. 

XX/XX/XXXX - I once again reached out to Cash App, letting them know that I had received a XXXX. I again asked for information on who opened my account ( what email it was opened with, etc. ). They would not provide me with any information and refused to help me. I later received a follow up email stating that they do not give tax advice. 

I attempted to call my local police department to make a report of identity fraud several times and no one answers the phone. I was even transferred by dispatch and no answer. Needless to say, I don't have much faith in my local law enforcement helping me. 

I am now on the hook to pay approximately {$1100.00} in taxes for fraudulent transactions that occurred in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have had XXXX XXXX for over 10 years and during that time i have witnessed and been charged overdraft fees even when my deposit was there and they would take the money and still say that my deposit was pending and cause a numerous number of overdrafts and overdraft fees. i called them a number of time when it happened and asked them since my money was pending or why my money was pending and i still got charged and overdraft fee when the money was there and looked like they were holding it until after the overdraft fee and then let it hit the account or post the funds. This happened many times and when i called i got the same answers so it was not worth keep calling since i would push it up and talk to at least XXXX people and it was never fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I received a credit card statement from XXXX Bank for an account I had NOT opened and was NOT mine. This was FRAUD and IDENTITY THEFT. I called the bank and they refused to send me a letter confirming that the account was closed and was not mine. 

The bank is XXXX BANK based in either Florida, Maryland or North Carolina ( all are addresses on the statement. ). I asked for confirmation that I will not be liable and was refused. 

The account number ends in XXXX and the amount of the charges is {$17000.00} I have put a credit lock on my accounts with Experian and have filed complaints with them and with 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 2025-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OH

Complaint narrative:
Landlord will not return security deposit to former tenant and instead Landlord is wrongfully billing former tenant for alleged cleaning, maintenance, and other unreasonable expenses. Former tenant has disputed the charges. Landlord sent the wrongufl bill to debt collector. Debt collector contacted former tenant regarding the debt. Forrmer tenant 's counsel contacted the collector demanding itemized list, verification of debt, etc. No response from debt collector or landlord.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: TN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal infomation made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-01-30 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: NM

Complaint narrative:
I have made several attempts to contact XXXX for reporting inaccurate accounts but they have not been compliant with responding to my inquiries and accounts.CHARGE-OFF DEBT HAS BEEN FILED AND IS NOW TAXABLE INCOME AND CAN NOT BE REPORTED TO MY CONSUMER PROFILE. After informing XXXX of violating my rights, they still refuse to remove the charge-off accounts. It is no longer debt, as it is now taxable income per the XXXX  this 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 non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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