vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-10 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: IL

Complaint narrative:
XXXX XXXX I made a purchase at XXXX XXXX XXXX  for XXXX. It shows the transaction went through successfully on Cashapps end. I was charged XXXX by XXXX XXXX. 

On XX/XX/XXXX XXXX XXXX issued me a refund for XXXX back to my Cash card. 
I also have a transaction number receipt from XXXX XXXX showing that they processed a refund on their end back to my Cashapp account. 

I also made a successful purchase for XXXX to XXXX XXXX the same day ( XX/XX/XXXX ). Since the cruise was cancelled, XXXX refunded me for that cruise and I received the refund with no issues. The refund shows XXXX in black bolded letters showing that the refund amount successfully deposited to my account. 

For the XXXX refund On Cashapps end the refund is showing the refund amount but it is greyed out and has a strikethrough line through the amount. Normally when Cashapp issues refunds the refund amount shows a plus ( + ) sign in bold font plus the dollar amount. So this is off that there is a gray strikethrough & nothing has deposited to my account. Where is the money and why has that one not refunded!?! 

Nothing ( the XXXX ) has deposited to my account. No one has been able to assist me with receiving the refund to my account. This has happened to me in the past where Cashapp illegally kept a XXXX $ dollar refund from me and I basically lost money on my end because they refused to assist me in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: NJ

Complaint narrative:
I got a notification that my credit score had dropped I pulled the report from my credit sesame account and showed my score had dropped XXXX points from my score being in the XXXX range now down to the XXXX range So I checked nothing was late or over 30 days late like my mortgage or car loan. 
I only had one credit card that went over the credit limit I checked the report on XXXX it was in the XXXX range then on XXXX it dropped XXXX points. 
Even if my some of credit cards are a little high you dont drop XXXX points I feel this should be corrected cause this is wrong I am XXXX XXXX partial retired and had a XXXX XXXX XXXX XXXX XXXX XXXX 
Please have Transunion correct this score it is wrong and unfair I always kept my credit up.

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 2023-09-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY FINANCE CORP
State: AL

Complaint narrative:
I was approved for a loan that I never paid back so they took it upon themselves to do a hard pull on my credit every month I didnt pay as you see in the photos there were more occasions of them pulling my credit but they fell off my credit report wouldve been reported this but Im just now finding out how. 



SECURITY FINANCE CORPORA C/O SECURITY FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I reported over {$11000.00} fraud to Bank of America FRAUD DEPARTMENT in XX/XX/2023. My money has still not been replaced, and they tried to deny my claim based on factors irrelevant to consumer protection law. None of the consumer protection and FDIC requirements can be met by the merchants, as they have fictitious websites and do not 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 monetary relief
Consumer complaint received 2023-09-10 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: AFNI INC.
State: FL

Complaint narrative:
Collection in the amount of {$1300.00} for an unauthorized/unknown XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report. 

This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

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 2023-09-10 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: PA

Complaint narrative:
I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report. 

This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXXXXXX 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 2023-09-10 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: PA

Complaint narrative:
I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, Equifix ) and I noticed some late payments posted on my consumer report. 

This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
Capital Accounts XXXX XXXX XXXX TN XXXX I dispute the alleged debt of {$5000.00} and I have not received any proof of its validity from the debtor. I have asked for this debtor to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: PA

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/2023 Experian Dispute Department po box XXXX XXXX, TX XXXX Re : Dispute of Negative Information Capital XXXX Account # XXXX Dear Experian Dispute Team, I am writing to formally dispute the negative information on my credit report related to the XXXX XXXX account with the account number # XXXX. This account is adversely affecting my reputation and credit score. 

Under the Fair Debt Collection Practices Act, 15 U.S. Code 1692 ( d ) ( 2 ), I am entitled to request the immediate removal of inaccurate or unverified information from my credit report. I hereby request the removal of the mentioned XXXX XXXX account from my credit report, as it is adversely affecting my financial standing. 

I kindly request that Experian conducts a thorough investigation into this matter and promptly removes this negative information from my credit report. I believe this action is essential to ensure the accuracy and fairness of my credit history. 

Please provide confirmation of the removal of this account once the investigation is completed. 

Sincerely, 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 2023-09-10 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: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-09-10 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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: NM

Complaint narrative:
XXXX XXXX  and others have tried to appease my " lack of payment ' FOR SERVICES RENDERED. 

NO SERVICES WERE EVER RENDERED. 

Frankly, I, and I am sure many others are afraid to go against " Lexington LAW ''. 

Your help would be appreciated. 

Willing to participate if need be in recovering monies owed to individuals trying to make a difference and being taken advantage of. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Negative Information XXXX XXXX Account # XXXX Dear XXXX Dispute Team, I am writing to formally dispute the negative information on my credit report related to the XXXX XXXXXXXX account with the account number # XXXX. This account is adversely affecting my reputation and credit score.

Under the Fair Debt Collection Practices Act, 15 U.S. Code 1692 ( d ) ( 2 ), I am entitled to request the immediate removal of inaccurate or unverified information from my credit report. I hereby request the removal of the mentioned XXXX XXXX account from my credit report, as it is adversely affecting my financial standing. 

I kindly request that XXXX conducts a thorough investigation into this matter and promptly removes this negative information from my credit report. I believe this action is essential to ensure the accuracy and fairness of my credit history. 

Please provide confirmation of the removal of this account once the investigation is completed. 

Sincerely, 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 2023-09-10 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Negative Information XXXX XXXX Account # XXXX Dear XXXX Dispute Team, I am writing to formally dispute the negative information on my credit report related to the XXXX XXXX account with the account number # XXXX. This account is adversely affecting my reputation and credit score. 

Under the Fair Debt Collection Practices Act, 15 U.S. Code 1692 ( d ) ( 2 ), I am entitled to request the immediate removal of inaccurate or unverified information from my credit report. I hereby request the removal of the mentioned XXXX XXXX account from my credit report, as it is adversely affecting my financial standing. 

I kindly request that XXXX conducts a thorough investigation into this matter and promptly removes this negative information from my credit report. I believe this action is essential to ensure the accuracy and fairness of my credit history. 

Please provide confirmation of the removal of this account once the investigation is completed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
Falsely Reported on Credit Buros for over 4 years, damaging our credit records & causing us harms since been denied place to rent, live, having to paid pretty much over 50 % of our income at locals Hotel since we move from XXXX to XXXX XXXX on a New Job trends. We paid our rent on time, every month, on vacating date a review the premisses an release us conforming site rules and regulations without any additional charges with the promise of forwarding the initial deposit to our new address, ( We got a copy of that Doc & Deposit Cashier Check copy ) We didn't received the deposit instead we received a charge for {$530.00} We have disagree with the new charges and a dispute all these years along it. 

We might provide throug all places lived before a Clean Renters Records, this company XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, through deb collectors National Credit System Inc, have placed us in a very bad situation since reported credit buros because we have been denied a place to rent and live due this situation, we have been living in a hotel room for over a month so far, our belongins in a XXXX storage pending on clearing this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: NJ

Complaint narrative:
I called about fruad on my account but they did nothing and no one picks up the phone they say they will erase it but its still there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Ark-La-Tex Financial Services, LLC
State: FL

Complaint narrative:
On the XXXX, the " items you can not shop for '' are outrageous. A credit report fee of {$250.00}. That is obviously marked up. I was my understanding that the required items for closing were a pass thru fee, the exact cost to the borrower. From this lender, they are apparently marking up the required fees. I have the XXXX. This is my son in law. I am supplying a gift letter for closing funds. I would definitely shop for these items as they are way out of line for what the market normal is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
On XX/XX/2023, my Apple Card account through XXXX  XXXX  was restricted and spending was blocked from my account. Over the last XXXX weeks I have talked to representatives from XXXX  XXXX  over XXXX times about what I needed to do to lift the restriction on my account. They will not put me in touch with someone who will resolve the issue on the spot. Instead, they say I have to wait until they review it and wait for one of their representatives to call me. Ive repeated this process several times but XXXX  XXXX  has not called me back or attempted to unrestricted my Apple Card account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: WI

Complaint narrative:
In XXXX of XXXX  I called Flagstar Bank questioning why my mortgage was increased by {$800.00} when I just paid them {$16000.00} to get out of foreclosure. Flagstar agreed that it was incorrect and gave me a confirmation number for a re-evaluation to my escrow. This conversation is on a recorded line. They said I should receive information within 5 to 7 days of the evaluation and the account would be updated as well. I have not received information on this matter nor has my account been updated.

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 2023-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Personal Cash Loans of SC, Inc.
State: SC

Complaint narrative:
to who may concern i am writing you guys to stop all communication with me and my references as im filing a bankruptcy and my lawyers will be in touch thanks

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XX/XX/2023 XXXX notified me of suspecious activity on my credit report. An unauthorized person applied for credit in my name without my knowledge. Because I am a victim of identity theft and fraud a fraud alert was placed on my credit report for 5 years. It is still active!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX XXXX notified me of suspicious activity on my credit report. An unauthorized person applied for credit in my name without my knowledge. Because I am a victim of identity theft and fraud a fraud alert was placed on my credit report for 5 years. It is still active!

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 2023-09-10 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: SC

Complaint narrative:
I sent letters to the bureaus time and time again. .I received a credit report from you and there are some companies that I'm unfamiliar with. It looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first. U.S. Code 15 USC 1681 ES Seg Section 604 states all users must have a permitted purpose under fair reporting act to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report. 

They continue to provide stall letters so they wouldnt have to abide by law and deleting these unknown information off my report eliminating my fair chance at being an good consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
I received notice that I owed a debt. I had no idea what it was about or who it was from. The debt was a year old. I asked for verification of the debt. It was still not very clear who the debt was from. There was also no proof that anyone had sent any bills to me previously. I spent some time researching and finally figured out it was a doctor bill for my son from a year ago. Then it took more time to research my wife 's insurance because he was on that insurance and I don't have access to that. 
I had finally verified that this was a legitimate debt that was owed because we hadn't reached the insurance deductible. Then I received notice that it was reported to credit agencies as delinquent. 
My concern is that other than an original bill which was sent to the insurance company we never received a bill until we received a notice of collections a year later. Then 30 days later while trying to verify the debt it was sent to collections. 
I still am not sure who and how to pay the debt because the one paper copy of a collection notice I was sent ( not a bill ) has been lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Late payment reported between me and lender XXXX XXXX XXXX. Late payment date XX/XX/XXXX, and XX/XX/XXXX. I asked company to send correspondence company sent nothing just reported late payments.

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