vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: TN

Complaint narrative:
I received an unsolicited debit card in the mail on XX/XX/year>. I didn't open the mail until XX/XX/year>. It was a XXXXXXXX XXXX XXXX for a Cash App account, which was issued by XXXXXXXX XXXX 

I was immediately concerned because I have never used Cash App and found several accounts online of fraudulent Cash App debit cards being issued. I first contacted XXXX at their XXXX phone number, XXXX. After following the prompts and entering the debit card number, the XXXX phone system automatically transferred my call to XXXXXXXX XXXX  The XXXXXXXX XXXX  automated system stated that all inquiries for a Cash App debit card had to be handled by calling XXXX, which is the contact number on the back of the debit card. 

I called XXXX on XX/XX/year> at XXXXXXXX XXXX XXXX  and spoke to a Cash App representative named XXXX. I explained the situation to XXXX and requested to have the account deleted or closed and to receive confirmation of such. XXXX stated that the only way I could do this was by providing him my email address and that he would send me an email with a link which I could use to submit photos of the front and back of the card to have his security team look into it. 

I stated that I was reluctant to provide any more information, such as my email, and that I did not trust using a link to go about this. When I asked why I couldn't just provide the information from the front and back of the card over the phone, XXXX stated that, while the security team could receive phone calls, that this didn't rise to that level of importance since they receive so many calls about this situation. That comment really concerned me. 

After repeatedly refusing to have the account closed or transferring my call to someone who could, unless I gave him my email, XXXX eventually agreed to look up the Cash App account using the username on the front of the card. He confirmed that the Cash App account was started XXXX days prior but said that there wasn't a debit card requested. I told him that one was obviously requested since I had the debit card. He then said he could look up the card using the last XXXX digits of the card number, but could not give me any more information. 

XXXX was not helpful and said that I didn't need to worry since this Cash App account was suspended and that the card wasn't activated. I told him I wanted to confirm that the account was not only suspended but permanently closed, and that I wanted to ensure that the card could never be activated. He said I would just have to create a Cash App account to request that. After XXXX repeatedly thwarting all my attempts to have the situation resolved, I thanked him and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$130.00} XXXX XXXX XXXX XXXX XX/XX/year> {$220.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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 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 2024-12-27 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.

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 2024-12-27 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX and Trans Union are not deleting my bankruptcy XXXX XXXX its been over 10 years. XXXX already deleted my bankruptcy XXXX XXXX, and I expect XXXX and Trans Union to do the same. After 10 years, this is supposed to be off the persons credit and I will sue you guys. If you dont delete this bankruptcy XXXXXXXX XXXX this is your intent to sue notice.

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 2024-12-27 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: FL

Complaint narrative:
Late payments have appeared on my credit record without proper validation, and my previous communications sent over 30 days ago remain unaddressed. These disputed transactions require immediate investigation as they negatively impact my credit standing and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: MD

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have disputed all charges on my report due to incorrect information on the report. There are numerous accounts that have invalid information that I pointed out to the credit bureaus. Yet they have not removed or correct the information. Also I have reported that I was a part of the data breach with XXXX in wanted items removed. I was also a part of the XXXX data breach as well as the XXXX  XXXX data breach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: Chime Financial Inc
State: FL

Complaint narrative:
I have disputed all charges on my report due to incorrect information on the report. There are numerous accounts that have invalid information that I pointed out to the credit bureaus. Yet they have not removed or correct the information. Also I have reported that I was a part of the data breach with XXXX in wanted items removed. I was also a part of the XXXX  data breach as well as the XXXX  XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
I called Mohela customer service line to address an issue with my pending XXXX  application. After a series of automated menu options, I was placed on hold for XXXX minutes. Then, the hold music was paused, the phone rang and rang, and no one picked up. After that, the call disconnected. I had to call again and wait in the queue for another XXXX minutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: NY

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. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Phoenix Recovery Group
State: IL

Complaint narrative:
Move out date XX/XX/XXXX the sent an email with move out charges on XX/XX/XXXX after I requested my deposit to be returned sent them a legal letter via certified mail the never responded. On XX/XX/XXXX a report appeared on my credit file as collection from a collection agency that never contacted me before the report to discuss payment or anything. I contacted them and asked for information yet no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: IL

Complaint narrative:
Theres an inquiry on my account that I do not know about, please remove this inquiry from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: MD

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Wages are currently being garnished from Capital One Bank  and information on my credit report is not being reflected as such and should be removed immediately from my report! 

Capital one has been garnishing my checks since XX/XX/year> accounting for a minimum of {$1200.00} a month and my accounts on my credit report do not reflect that and should be corrected or removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
My insurance ( XXXX ) and taxes ( XXXX ) went up as they always do every year. I added the combined amount they increased into my escrow account so that I didn't get an increase in my monthly payment because I am on XXXX. I had also paid XXXX 's payment in early XXXX to stay ahead in case of any financial issues. I often pay ahead. My mortgage servicer recently did the annual escrow analysis and sent back money. Then they increased my monthly payment by just over {$20.00} a month. I called them and they said that's the law and there was nothing they could do. However, in a review of XXXX Escrow accounts, it states under section 2, paragraph 3 that after an initial or annual review the servicer and borrower may enter into a voluntary agreement for the forthcoming escrow accounting year for the borrower to deposit funds into the escrow account for that year greater than the limits. Not only was that option not offered or even acknowledged, they said there was NOTHING they could do and that it was up to me to take a bigger deductible on my insurance or alter things in some way on my own. Additionally, while it didn't happen this time, my mortgage servicer has said more than once in the past that they have no control over when they do an escrow analysis. That it is the county I live in that determines that. That has never made sense to me. Just like saying there is nothing they do about an overage except send the money back, who they state determines when the analysis is done also isn't true. It is the state I live in that determines when that happens. The servicer has also done a short year escrow analysis in past and when I asked why they did that because they had just done an analysis 6 months previous, they said it was my county that ordered it. Furthermore, I have made monthly payments early and it seems that would affect the interest in some way but, I am never given any information about that. It appears that I am not getting accurate information, nor am I getting information on options available to me and I am not getting information on how making early payments affects my interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

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 XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2024-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: NY

Complaint narrative:
The reason that Im placing this complaint is due to cash apps, appeals, and nonfunctional refunds with no security processes. I have contacted Cash App and ask them to look into a scam. 
I XXXX XXXX had a sale for an item XXXXXXXX XXXX XXXX for {$100.00} On XX/XX/XXXX, I sent {$40.00} and it was received On XX/XX/XXXX and additional {$60.00} was sent for the total price of {$100.00} moving forward. I never received the item. It was a complete scam. 
I contacted XXXX to receive a solution and they had advised that they had made a case following through with cash app for a full refund. I have processed my complaint two times and have not received my refund from Cash App now for nearly 2 months plus. 
Scams are hard, especially if you are XXXX. I hope someone can find some peace and solace and truth and infidelity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX : {$1100.00}

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