vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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. 

has violated my rights. Or list of inquiries 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: PA

Complaint narrative:
On XX/XX/2023 I used this card with my PIN number to get gas. I got {$25.00} in gas and when I got on to check my balance it had a hold for {$150.00}. I called to see how long this will take as we are on day XXXX of this hold. 

The prompts are not user friendly so I went with the transaction option. I talked to a lady and she said she was sorry and that she can not do anything about this. 

I got a notification and see that a a {$25.00} " clearing report debit adjustment '' was charged to my account. I am not sure what that is for. If this is due to my call, I was never told about this charge. Can this be reversed or refunded? The lady never said anything about this nor did any of the prompts. Do to this {$25.00} charge my card is now negative {$22.00}. 

Also is there anything that can be done about the hold? I normally would not care about the hold but I am in need of this money to be able to go to the grocery store.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have a business account with chase bank that was recently opened the beginning of XXXX. I am a XXXX XXXX XXXX  and my first XXXX submitted their first payment to me on XX/XX/XXXX. Chase immediately froze my account, has closed the account has said that they are no longer doing business with me, and will not provide an explanation or a reason. They also did not notify me that this was happening. I noticed it when my payments from that account were being rejected and now I have return check fees. Chase is currently holding tens of thousands of my dollars that I can not access. They let me know I can still make deposits but no withdrawals. Feels like I was robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: FL

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint - Fraudulent Transaction on Cash App Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a fraudulent transaction that occurred on my Cash App account on XX/XX/2023, resulting in a loss of {$2500.00}. Despite my efforts to resolve this matter directly with Cash App, the issue remains unresolved, and I believe it is necessary to seek assistance from the Consumer Financial Protection Bureau to address this serious issue. 

On the aforementioned date, I discovered an unauthorized transaction on my Cash App account, where {$2500.00} was fraudulently withdrawn without my consent. Immediately upon discovering the fraudulent activity, I contacted Cash App support and reported the incident. They initiated an investigation into the matter, but the investigation has been prolonged and inconclusive, with no refund issued or satisfactory explanation provided as to how the transaction occurred or who may be responsible. 

I have diligently followed all the necessary steps and provided all the requested information to Cash App throughout this process. Despite my efforts, the resolution has been unsatisfactory, leaving me without the reimbursement I am entitled to and without any clarity on the cause of the transaction. I have attached relevant documentation to support my complaint, including copies of transaction records, communication with Cash App support, and any other pertinent evidence that showcases the urgency of this matter.

I am seeking your assistance in resolving this issue and ensuring that appropriate action is taken against Cash App to rectify the fraudulent transaction and prevent such incidents from occurring in the future. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take necessary action to protect consumers ' interests and rights. 

I am available to provide any additional information or documentation that may be required during the course of this investigation. I would also appreciate receiving updates on the progress of my complaint and any steps taken by the Consumer Financial Protection Bureau to address this issue. 

I genuinely believe that the involvement of the Consumer Financial Protection Bureau is crucial in this case to safeguard consumers and hold financial service providers accountable for their actions. I appreciate your attention to this matter and look forward to a swift resolution. 

For reference, the case # is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The issue is causing me significant XXXX XXXX XXXX, to the point where I'm having trouble sleeping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SoLo Funds Inc.
State: RI

Complaint narrative:
I took out a payday loan with Solo Funds in 2020 for {$120.00}. For some reason my repayment did not go through on the due date. Solo funds reached out to me via email and I responded advising the could repay my account using my debit card on file, and we agreed to a certain date. Maybe there was something lost in translation but the repayment either didnt go through or was never attempted. I randomly got a phone call from a XXXX XXXX XXXX stating that I owed Solofunds over {$1900.00} and that I needed to set up an arrangement to avoid being sued. I was confused as I knew my loan amount was for only {$120.00}. I set up an arrangement with them and reached out to Solofunds to clarify. When I spoke with Solofunds they stated that I could settle with them for {$140.00} and to disregard collection efforts. I paid this account a few days later and solofunds confirm that payment was received. I canceled my card with XXXXXXXX XXXX XXXX. Today I received a call from XXXX XXXXXXXX XXXX. The representative was very aggressive and told me I should not in any way have paid Solofunds because they now owned the debt. I asked for verification of the debt and they sent me a letter with no bill of sale or anything. I immediately said that I would be seeking legal counsel and she ended the phone call by saying I will send this over to the court. I think they are fraudulently collecting debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Frontline Asset Strategies, LLC
State: NY

Complaint narrative:
Frontline and asset strategies obtained my personal information without my permission and when I asked for clear evidence that it was me who authorized it with clear wet ink signature they failed to provide any evidence PLEASE SEE ATTACHMENTS Ive sent them a notarized letter through Certified mail which is a contract in itself and they failed to respond or remove this report on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I started receiving automated text and calls, then I received a letter dated XX/XX/XXXX, that state they are attempting to collect a debt that I owed to XXXX XXXX that has been sold to XXXX XXXX XXXX for {$2200.00} as of XX/XX/XXXX. I contacted XXXX who stated they have no accounts for me, only a XXXX balance from XXXX. XXXX stated they only use XXXX XXXX XXXX XXXX for collections and the letter I received XXXX be a scam. The acct numbers they reference is XXXX acct XXXX and original credit ref # XXXX with date of service XX/XX/XXXX. I have never received any correspondence from XXXX regarding any medical debt, my calendar doesn't show any services received that date and I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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. 

Account name : 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 has violated my rights. 

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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, 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: MI

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. 

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NV

Complaint narrative:
I had been trying to sign into my cash app account and was unable to for a couple days there was something wring with the app and was told they where working to fix it so when i was finally able to XXXX XXXX my account i noticed all these unauthorized transaction on my account and i knew my money wasn't adding up so i disputed all of the transactions and they denied them so i asked for documents and i told them once I receive them amd my money im going to close out my account because i have had to many priblems frim them so instead they send one document out of 12 close out my account and say due to suspicious activity that goes against there terms of conditions because i asked for documents and then when i oook att the documents it says a card was present a duh it was used without my permission its places i have never even been like XXXX XXXX all these XXXX transaction XXXXXXXX XXXX XXXX  XXXX took XXXX like i just wany my money then they send me a replace card then closed my account because i told them i eas going to report them sbd thats why they being investigated now there supposed to be banked by XXXX but its really square

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
Account XXXX I am writing to bring to your attention a serious violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m by the debt collection company, XXXX XXXX. I kindly request your assistance in addressing this violation and ensuring the immediate removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX has reported a negative account that does not belong to me. This inclusion of an inaccurate account on my credit report not only misrepresents my creditworthiness but also violates the provisions outlined in XXXX. Despite my repeated attempts to rectify this issue directly with XXXX XXXX, they have failed to take any appropriate action to correct their mistake. 

I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into XXXX XXXX XXXX violation of XXXX. Their failure to comply with the regulations outlined in the Act has significant repercussions on my financial well-being and undermines the accuracy and fairness of the credit reporting system. 

I kindly request your intervention to ensure XXXX XXXX XXXX compliance with XXXX  and the immediate removal of the inaccurate account from my credit report. Additionally, I believe it is crucial to hold XXXX XXXX accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including my credit report highlighting the disputed account, as well as any supporting evidence that demonstrates the lack of association between me and the reported account. I trust that this information will aid in your investigation and contribute to the resolution of this matter. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will take swift action to address this violation, restore the accuracy of my credit report, and safeguard the rights of consumers. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I had an account with XXXX XXXX  which I had cancelled over the phone with a XXXX employee months ago. I recently noticed an email from my bank informing me that there was a potential negative on my credit report from Sequium Asset Solutions. I had never been contacted by this collections agency regarding a debt until my bank notified me of the problem. I would have paid this debt if I had known it was being sent to collections. I tried to contact the collections agency about this but only received a pdf of the bill in return. The pdf of the bill had my name spelled wrong and had an old address that I no longer live at. I just got off the phone with XXXX  and was able to find the bill which I promptly paid for. If the collections agency would have contacted me, I would have paid this bill before it had the chance to be put on my credit report. I hope to have this resolved since my credit is extremely important to me.

Company response to consumer: Closed with explanation