vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cash app continues to cause issues with my account being able to be accessed and manage and even a debit card provided. I have provided them my legal name change my marriage license and everything else they needed to update my name legally, which they still have not done every time I talk to them. I get some rude XXXXXXXX XXXX XXXX person on the phone That is unhelpful when I ask to speak to a supervisor, they refuse to let me talk to a supervisor the guy I just got off the phone with told me that I can go through the app and ask for an app support when Im logged in and as I told him if Im having trouble logging in then how the XXXX am I supposed to get an app support? He claim that he was giving me a complaint number And I asked him what the XXXX was the point of a complaint number if I cant get into my account they always have XXXX XXXX  attitudes. Its always some XXXX XXXX XXXXXXXX person on the phone. Thats being rude and every time I asked to talk to a supervisor they disconnected hang up the call so Ive been starting to record the phone calls and let them know that Im recording and then they still cant offer any XXXX assistance. I keep records of everything. I cant wait till you guys finally thoroughly investigate them because they think they can scam people and Com people and have all this XXXX XXXX XXXX Customer Service and people talking to you like their XXXX crazy on the phone and in the meantime is causing me problems being able to send money and access the money and everything else that I should have the right to do But they give me XXXX Customer Service problems and theyre telling me that they cant offer any assistance cash app tag XXXX. 
I am so sick of dealing with these XXXX XXXXXXXX that have access to my personal account information and then cant offer any assistance. I asked a XXXX. Why the XXXX did my Cash App card get deactivated and they cant tell me why I dont understand how the XXXX is their company and they cant tell me why Im having issues access to my account or why my cash app card cant be re-issued or why they cant update my legal name despite me sending them all of the legal documents for them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TN

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

Company 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 2025-01-27 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: NC

Complaint narrative:
Subject : Seeking Financial Settlement and Damages for Inaccurate Information on Credit Reports Dear CFPB, I am writing to formally address the issue of inaccurate information reported on my credit reports by XXXX, XXXX, and TransUnion. These inaccuracies have caused significant harm to my financial standing and overall well-being. 

Despite my repeated requests to have erroneous data removed following the XXXX data breach, the inaccuracies persist. As a confirmed victim of this breach, my personal information was illegally accessed, sold, and used fraudulently. As a result, the following unauthorized accounts were added to my credit reports : 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 These inaccuracies have severely impacted my credit score, caused financial distress, and led to emotional distress. Despite XXXX admission of the breach and my submission of supporting documentation, no effective measures have been taken to rectify this situation. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), I am entitled to accurate and fair credit reporting. The continued presence of these fraudulent accounts on my credit reports is a violation of my rights under this Act. 

I am seeking financial compensation for the following damages : 1. Emotional distress caused by the data breach and its aftermath. 
2. Financial losses resulting from higher interest rates, denied credit applications, and other credit-related hardships. 
3. Any legal fees incurred during my attempts to resolve this matter. 

In addition to the requested financial settlement, I am demanding the immediate deletion of the unauthorized accounts listed above from my credit reports. 

I expect a response to this letter within 30 days from the date above. If this issue is not addressed promptly, I will have no choice but to pursue further legal action to protect my rights. 

Enclosed, you will find documentation that proves my status as a victim of the XXXX data breach and the subsequent inaccuracies on my credit reports. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX Enclosures : 1. Documentation of XXXX data breach victim status 2. Evidence of inaccuracies on credit reports 3. Correspondence records with XXXX, XXXX, and TransUnion

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 2025-01-27 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: NC

Complaint narrative:
Subject : Seeking Financial Settlement and Damages for Inaccurate Information on Credit Reports Dear CFPB, I am writing to formally address the issue of inaccurate information reported on my credit reports by XXXX, Equifax, and XXXX. These inaccuracies have caused significant harm to my financial standing and overall well-being. 

Despite my repeated requests to have erroneous data removed following the Equifax data breach, the inaccuracies persist. As a confirmed victim of this breach, my personal information was illegally accessed, sold, and used fraudulently. As a result, the following unauthorized accounts were added to my credit reports : 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  These inaccuracies have severely impacted my credit score, caused financial distress, and led to emotional distress. Despite Equifaxs admission of the breach and my submission of supporting documentation, no effective measures have been taken to rectify this situation. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), I am entitled to accurate and fair credit reporting. The continued presence of these fraudulent accounts on my credit reports is a violation of my rights under this Act. 

I am seeking financial compensation for the following damages : 1. Emotional distress caused by the data breach and its aftermath. 
2. Financial losses resulting from higher interest rates, denied credit applications, and other credit-related hardships. 
3. Any legal fees incurred during my attempts to resolve this matter. 

In addition to the requested financial settlement, I am demanding the immediate deletion of the unauthorized accounts listed above from my credit reports. 

I expect a response to this letter within 30 days from the date above. If this issue is not addressed promptly, I will have no choice but to pursue further legal action to protect my rights. 

Enclosed, you will find documentation that proves my status as a victim of the Equifax data breach and the subsequent inaccuracies on my credit reports. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX Enclosures : 1. Documentation of Equifax data breach victim status 2. Evidence of inaccuracies on credit reports 3. Correspondence records with Equifax, XXXX, and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I received my account was closed. I had XXXX dollars in my savings account and chime is refusing to give it to me. They said I did not follow terms of agreement if there was fraud I did not cause it and requested investigation. I need my money for rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Back in 2017 I was a part of a case which involved stolen identities of XXXX different people. I kept disputing with American Express, and each time was denied, even though I supplied them with all the evidence from district attorney in the state of California. 
Please help Thank you in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I had been in XXXX and the next day I realized that {$4500.00} had been moved out of my PayPal account and sent to another account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have called Best Buy XXXX XXXX many times about fraud activities on my credit card. The dates are as follows : XX/XX/XXXX XX/XX/XXXX. XXXX XX/XX/XXXX, XXXX, XXXX I have also sent XXXX letters on XX/XX/XXXX and XX/XX/XXXX. 

All of this time I was trying to communicate that fraudulent activity was happening on this credit card. In most of these phone calls I was told that I would receive a letter in the mail in 7 to 10 days with an account number so that I can pay owe. I have received one letter, dated XX/XX/XXXX, requesting that I make a payment but the letter did not include an account number or the amount to be paid. I have received two phone calls, on XX/XX/XXXX and XX/XX/XXXX requesting that I make a payment still lacking information on the amount or account. 
In XXXX I reported to Credit Bureau that there was a XXXX XXXX with one of my credit cards. XXXX notified me that they would notified the other companies. I am distressed that you have given these companies wrong information about me plus you now have a collection agency coming after me for not paying my debt and now my credit score has dropped approximately XXXX points. 
I have a problem in that there are three account numbers requesting that I make a payment. I do not which account is mine ; therefore, I have not made a payment because I do not know if it is going to my bill. In communication with our representative that I would receive a bill in the mail and I was to call customer service and the late fee and interest fee would be waved. While waiting for this information, the company has reported me to a collection agency. They will not remove the information from credit report. 
I have asked the company to remove the false information from credit report that I am 30 days late in paying this bill since the company has not sent me any information required to pay this bill?

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 2025-01-27 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: IL

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX TX XXXX Dear XXXX Customer Service XXXX I hope this letter finds you well. I am writing to formally request an investigation into negative items on my credit report and to address an incorrect address related to a recent data breach. 

My name is [ XXXX XXXX ], and my Social Security XXXX is XXXX. Upon reviewing my credit report, I have identified several negative items that I believe are inaccurate and may not be mine. Furthermore, my credit report contains an address that is not associated with me due to the impacts of this data breach. 

The specific incorrect address that needs to be removed is : I kindly request your assistance in conducting a thorough investigation into these negative items, as well as the removal of the incorrect address from my credit report. Attached, you will find any relevant documentation to support my claims, including [ list any documents, such as a copy of your credit report highlighting the incorrect entries and address, proof of identity, proof of residence, etc. 

It is imperative that my credit report reflects accurate information, as I am actively working to maintain my financial reputation. I appreciate your prompt attention to this matter and look forward to your timely response. 

If you need any further information or documentation, please feel free to contact me at the phone number or email address provided above. 

Thank you for your assistance in resolving this issue. 

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX TX XXXX Dear XXXX Customer Service XXXX I hope this letter finds you well. I am writing to formally request an investigation into negative items on my credit report and to address an incorrect address related to a recent data breach. 

My name is [ XXXX XXXX ], and my Social Security XXXX is XXXX. Upon reviewing my credit report, I have identified several negative items that I believe are inaccurate and may not be mine. Furthermore, my credit report contains an address that is not associated with me due to the impacts of this data breach.

The specific incorrect address that needs to be removed is : I kindly request your assistance in conducting a thorough investigation into these negative items, as well as the removal of the incorrect address from my credit report. Attached, you will find any relevant documentation to support my claims, including [ list any documents, such as a copy of your credit report highlighting the incorrect entries and address, proof of identity, proof of residence, etc.

It is imperative that my credit report reflects accurate information, as I am actively working to maintain my financial reputation. I appreciate your prompt attention to this matter and look forward to your timely response. 

If you need any further information or documentation, please feel free to contact me at the phone number or email address provided above. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
The inquiries from your company on my credit report were not authorized by me, and theyve been causing harm to my financial situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
I recently checked my credit report and found a XXXXXXXX XXXX  that was previously removed due to fraud place back on my credit report as well as another account that was not authorized from XXXX XXXX XXXX on credit report. I believe my information was comprised in the XXXX Data breach upon checking my social security information on the the website. The two account listed in this report are fraudulent and reporting misinformation on my credit report. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the XXXX XXXX XXXX and obtained a police report # XXXX which both are attached. I also included a Affidavit of Fraud to this letter which I have signed and have had notarized. I have contacted and written several letters and keep getting stall letters. I am attaching my Drivers License and my social security card. The following item does not belong to me and is a result of fraud that I did not authorize : XXXX. XXXXXXXX XXXX  Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : 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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX XXXX  against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation