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: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
I sent {$92.00} to XXXX account and it never added. I closed out of cashapp and logged back in. The {$37.00} that was showing disappeared immediately. I logged into my other XXXX accounts and everything was gone from both accounts. XXXX XXXX and the other {$100.00}. 
I went to support I was asked how could I be helped, I said you have stolen my money. And they said we are logging off for today. And never got back on. I tried to call XXXX times they hung up in mid ring. Then I called another number and it hung up and the next time it said they are closed until in the morning. I literally watched them take it and couldn't do anything. I tried to unlink my cards from my bank accounts and you can't even click on it continues to blink and clicking on it.

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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( XXXX XXXXXXXX ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX credit reporting agency block the information appearing on my consumer credit report, which has resulted from inaccurate and false reporting. Specifically, Equifax failed to properly verify this information within thirty ( 30 ) business days of receiving my request. 
The inaccurate and false information includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and collections to appear on my consumer FICO credit report. I have attached a list of the fraudulent hard inquiries as well as a copy of my consumer FICO credit report maintained by Equifax, showing these inaccurate items.

I do not recognize any of the accounts, collections, or hard inquiries as reported. These accounts, collections, and hard inquiries were not opened, made, or initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a complaint to the credit bureaus over a month ago, yet the incorrect information on my report remains unchanged. I have not received any updates from the bureaus, aside from your notification indicating that the company has addressed my complaint. How can I be assured that they have thoroughly investigated the inaccuracies? What verification methods were utilized to assess the accounts? This situation is extremely frustrating. More than 30 days have passed since my complaint, and the disputed accounts are still not updated. If this persists, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, especially in light of the data breach involving XXXX, Experian, and 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 2025-01-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, XXXX and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-01-28 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: SC

Complaint narrative:
I obtained a copy of my credit report after receiving a letter fron the credit bureaus that my personal information has been confiscated during a data breac and I needed to obtain my credit report and once I looked at my report I noticed te following unauthorized accounts that are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: SC

Complaint narrative:
I obtained a copy of my credit report after receiving a letter fron the credit bureaus that my personal information has been confiscated during a data breac and I needed to obtain my credit report and once I looked at my report I noticed te following unauthorized accounts that are not mine 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 2025-01-28 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:
Subject : Dispute of Fraudulent Accounts on My XXXX Credit Report Dear Equifax, I am writing to formally dispute the following accounts appearing on my credit report, which are fraudulent and were opened without my authorization due to my identification being compromised : XXXX XXXX XXXX XXXX XXXX My personal and financial information was compromised as a result of the Equifax data breach and the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These breaches have led to the unauthorized use of my information and the creation of fraudulent accounts in my name.

Under the Fair Credit Reporting Act ( FCRA ), 611, I request an immediate investigation into these accounts. As they are not mine, and their presence on my credit report constitutes a violation of my consumer rights, I demand that these accounts be permanently deleted from my credit report. 

Please complete your investigation promptly and provide written confirmation once these fraudulent accounts have been permanently removed. Thank you for addressing this matter and ensuring the accuracy of my credit report in compliance with federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: Consumer Adjustment Company Incorporated
State: MS

Complaint narrative:
CONSUMER ADJUSTMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ON XX/XX/XXXXXXXX XXXX  XXXX Assigned two loans in my name, which appear on my credit report. One in the. amount of {$240.00} and the second one assigned on XX/XX/XXXX in the amount of {$270.00}. both with the report date of XX/XX/XXXX. I am stating that both if these accounts are not mine. I have no knowledge of either one. either they have the wrong person or this is clearly fraud/identity theft. I have filed disputes with the credit bureau. and I would like this accounts removed from my credit report immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Communications on XX/XX/XXXX assigned credit in the amount of {$690.00}. and reported to my credit on XX/XX/XXXX. I am stating that this account is not mine. I have no knowledge of the account. either they have the wrong person or this is clearly fraud/identity theft. I would like this account removed immediately fro. my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is impoperly reporting my credit wrong.Some of the old accounts should be deleted and its still on there after several years. 

XXXX is reporting my credit wrong.Once I paid some debt it should of went up.I think this is a sham. 
XXXX has my information wrong.Wrong person information.I believe someone stole my information.None of it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XXXX, I called TransUnion and requested information regarding past and current disputes. I was placed on hold for over 20 minutes. The representative who answered refused to provide information after arguing that I didn't understand what I was saying. She then said she was the supervisor and threatened to end the call. She also refused to transfer to online support before threatening to end the call. My dispute is still unresolved.

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 2025-01-28 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 non-monetary relief
Consumer complaint received 2025-01-28 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent the below information and have not received it as I have received a copy of my credit report only. 

In accordance with the FCRA, it is your responsibility to verify the accuracy of the disputed information with the creditor. To facilitate this verification process, I am requesting a copy of the original promissory note for the student loan. This document will help confirm the details of the loan agreement and ensure that the information being reported is accurate.

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: HI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My name is XXXX XXXX my card isnt working I need the blocked or the hold on it or on the accounts for checking or saving accounts to be removed because when I called in today they say they cant help me I would have to to a branch in person with a picture id and other documents but I told them I dont have a picture id and I cant because I dont have a way to get to a branch in person because I dont have a way or transportation and XXXX XXXX etc and I get this error message that is attached below please look at the attachment below etc and my ssn is to look up my account is XXXX so please fix my issue and also please remove the block or suspension or restriction on my online banking account access please regrant me online bank access and restore all my services and features on my online banking account etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I disputed a charge on my Capital One credit card ending in XXXX from XXXX XXXX. On XX/XX/year> I provided additional information to Capital One. Capital One advised me that they were waiting to hear from XXXX XXXX. 

Capital One heard from XXXX XXXX and internally decided the dispute was ruled in my favor. Capital One did nit let me know. The Capital one represented sud they do not advise credit card customers when they close a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
Name : ( Name Goes Here ) Consumer Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private XXXX ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion, XXXX and XXXX credit reporting agency block the information appearing on my consumer credit report, which has resulted from inaccurate and false reporting. Specifically, TransUnion, XXXX and XXXX failed to properly verify this information within thirty ( 30 ) business days of receiving my request. 
The inaccurate and false information includes : XXXX, XXXX, XXXX, XXXX Credit XXXX, XXXX XXXX XXXX XXXX XXXX my XXXX XXXX credit report maintained by TransUnion, showing these inaccurate items. 
I do not recognize any of the accounts, collections, as reported. These accounts, collections, and hard inquiries were not opened, made, or initiated by me.

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 2025-01-28 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: OH

Complaint narrative:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private XXXX ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian credit reporting agency block the information appearing on my consumer credit report, which has resulted from inaccurate and false reporting. Specifically, TransUnion failed to properly verify this information within thirty ( 30 ) business days of receiving my request. 
The inaccurate and false information includes : accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and collections to appear on my consumer FICO credit report. I have attached a list of the fraudulent hard inquiries as well as a copy of my consumer FICO credit report maintained by Experian, showing these inaccurate items. 
I do not recognize any of the accounts, collections, or hard inquiries as reported. These accounts, collections, and hard inquiries were not opened, made, or initiated by me.

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