vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-31 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: PA

Complaint narrative:
After everything that happened with my now stolen identity from XXXX and XXXX XXXX  XXXX XXXX XXXX, I started to look at my other financial accounts m, like cash app and XXXX. XXXX nothing happened, everything was clean, but cash app was not. I had over {$1000.00} of unauthorized transactions on there as well going back XXXX. Most were payments to people who I dont even know, I rarely use the app at all, but on XX/XX/XXXX there were 7 attempts to take money out on a XXXX money card for the exact same amount, {$230.00}. Im not 100 % on how cashapp really works because I dont really use it but 7 attempts for XXXX and you block the first 5 and let the last 2 in, which was tied directly to XXXX XXXX, who you know will. It give me any money back as Ive had over {$20000.00} in denied disputes with that crooked company. So I disputed all of the unauthorized charges and then they quickly denied the 2 XXXX charges. I said what about the rest. And they didnt even bother to look at them. Anybody with a quarter brain can look at my cashapp and then look at me and know exactly rly what charges were fraudulent, its so obvious it smacks you in the face. So they refuse to go anything about it, Im just supposed to lose yet another {$1000.00}, which puts me at around {$30000.00} since XXXX between XXXX and XXXX XXXX. My credit bureaus are locked, XXXX manages to hack their way into XXXX and unlock my credit report. They send me emails on XXXX telling me theyre going to take all my money, and then the most secure email service in the world gets hacked and all my emails encrypted, even I nor XXXX XXXX  them. Sorry this isnt about XXXX this is about cashapp. But I beleive its XXXX doing it all. Thank XXXX for XXXX  XXXX  who were the ones to put a stop to it. But I have tried and tried with cashapp and gotten nowhere, so maybe if I wrote what happened to me between all these different places something might finally be done. I hope something gets done because Im sick of getting my  money taken and never being able to get it back. Thanks for all your help CFPB, I was wrong about you in my response to my first complaint, I was out of line as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected c0nsumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( XXXX XXXX XXXX or XXXX XXXX XXXX XXXX ), has violated my rights XXXX ( XXXX ) XXXX ( Equifax XXXX XXXX ( XXXX ) 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 items 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 resonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: VA

Complaint narrative:
Requested that the company via account disputed with XXXX, XXXX to verify that the debit was paid directly with XXXX on XXXX of XXXX via debit card. XXXX XXXX failed verify debt or even request proof I payment from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
XXXX failed to provide me written verification of the debt from XXXX. Using public record is not enough. If they can not provide proof then the time must be deleted off my credit profiles.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: CO

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX Follow-Up Consumer Opt-Out Dispute - Non-Compliance with Written Instructions USPS TRACKING NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX To Opt-Out of Furnishing Data on my Consumer report for the Following Accounts Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to express my deep concern and frustration regarding the lack of response from XXXX XXXXXXXX XXXXXXXX XXXX after sending opt-out letters on both XX/XX/XXXX and XX/XX/XXXX, XX/XX/2023. Since then, the company has failed to meet my written instructions, and my consumer information continues to be disclosed without my consent. 

As a Federally protected consumer, I have opted out of any and all authorizations, whether written or unwritten, verbal or non-verbal, that I may have given to XXXX XXXX XXXX XXXX XXXX This opt-out request aligns with my rights under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

The ongoing disregard for my explicit opt-out directive is a clear violation of the Fair Credit Reporting Act, specifically 15 U.S.C 1681, 15 U.S. Code 6801, and 15 U.S. Code 6802. These violations compromise not only my privacy but also my ability to control the disclosure of my personal information.

I am now submitting a formal dispute with the following requests : **Immediate Removal of All Furnished Accounts : ** I request that XXXX XXXX XXXX XXXX takes immediate action to remove all furnished accounts listed within this dispute from my consumer report. This request is in accordance with my explicit opt-out directive, which covers both written and unwritten, verbal and non-verbal authorizations, as per 15 U.S. Code 6802. 

**Compensatory Damages : ** In the event that XXXX XXXX XXXX XXXX willfully continues non-compliance with 15 U.S. Code 6802 by failing to honor my opt-out requests, I reserve the right to seek compensatory damages. I request that XXXX XXXX XXXX XXXX pays a minimum of {$1000.00} for every offense of willful non-compliance. 

The requested remedies are necessary to rectify the harm caused by the ongoing disclosure of my personal information without my consent. I appreciate your swift attention to this matter and request confirmation of the receipt of this dispute. 

I trust that the Consumer Financial Protection Bureau will investigate this situation promptly and take appropriate action to ensure XXXX XXXX XXXX XXXX complies with federal regulations. 

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 2023-12-31 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected c0nsumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), has violated my rights XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX ( Transunion ) 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 items 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 resonable 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 2023-12-31 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected c0nsumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( XXXX XXXX XXXX or XXXX XXXX XXXX XXXX ), has violated my rights XXXX ( Experian ) XXXX ( XXXX XXXX XXXX ( XXXX ) 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 items 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 resonable 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 2023-12-31 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. I did not authorize these inquiries please remove this from my credit report XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry off my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry off my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry off my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry off my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry off my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry off my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry off my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry off my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX of inquiry : XX/XX/XXXX Delete this unauthorized inquiry off 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 2023-12-31 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: FL

Complaint narrative:
I need this account to say the same thing as XXXX XXXX and XXXX. I tried to dispute this, but Experian didnt understand.

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 2023-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
my Apple Card charged me XXXX from XXXX which I never used need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
my bank account with XXXX XXXX was fraudulently used to XXXX  contacts that were not mine. My XXXX account, my savings account, and my cash app accounts were accessed by someone other than myself. 

My bank replaced my debit card and checks. This is the second time in two months. Cash app refuses to refund my money of XXXX transfer to XXXX XXXX. I have never used XXXX XXXX and would not transfer my money to that. I tried the week before to transfer the XXXX to my bank account with no success. 

Anyone could have hacked my account, my checking account with XXXX XXXX proves that. But cash app is insisting I did not cancel the transaction in time. Sorry but I was dealing with new cards, new checks new number on two savings and one checking account XXXX XXXX XXXX  and cash app. 

They have no evidence that I personally initiated such a transfer to XXXX, I reported the phising email I received from XXXX that started all of this to my bank, to the Attorney General 's office. and the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NC

Complaint narrative:
I received a direct deposit of XXXX on XX/XX/23. Chime bank closed my account for insufficient funds on XX/XX/23 with {$310.00} in my credit account. With no email or notification on the account closing. They said they will be mailing me a check which takes 30 days to receive to the address I dont live at anymore. I been calling for 24 hours. They refuse to update the address or send me my money back to me. They stole funds that I worked for from my job. Rent is due tomorrow! And I have {$310.00} gone!! Im so mad! They will only contact through email. No one on the company is trained enough to update the address to to transfer funds to an external account. I just came from being homeless in XXXX. To get into another apartment and have to wait 30 days for my check will make me homeless again!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: CA

Complaint narrative:
[ Your Full Name ] [ Your Address ] [ City, XXXX, ZIP Code ] [ Your Email Address ] [ Your Phone Number ] [ Date : XX/XX/2023 ] Experian XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Reevaluation Request for Credit Report Dispute - Tracking Number : XXXX Dear Experian XXXX XXXX XXXX XXXX, I hope this letter finds you well. I am writing to address my concerns and seek clarification regarding the recent investigation of my credit report dispute, which bears the tracking number XXXX. On XX/XX/2023, I called Experian to dispute certain transactions, and despite my efforts, I received a response stating that all items reported are deemed 100 % accurate. 

I understand the importance of accuracy in credit reporting and respect the investigative procedures undertaken by Experian. However, I believe that certain discrepancies persist on my credit report, and I am writing to provide additional information in support of my dispute. 

Enclosed with this letter, please find documents [ or describe the nature of the documents ] that I believe will shed further light on the inaccuracies reported. I kindly request that Experian carefully review this information and reconsider the accuracy of the reported items. 

Moreover, I would like to draw your attention to Section 1681a of Title 15 of the United States Code, also known as the Fair Credit Reporting Act ( FCRA ). This section outlines crucial definitions related to consumer reporting agencies, consumer reports, identity theft, and other pertinent aspects of credit reporting. As per my understanding of the law, it emphasizes the importance of fair and accurate reporting and provides consumers with the right to dispute and correct inaccurate information. 

I specifically refer to subsections [ cite the specific subsections relevant to your case, if any ], which [ briefly explain the significance of the subsections in relation to your dispute ]. These legal provisions underscore the obligation of credit reporting agencies to conduct thorough and fair investigations and rectify inaccuracies promptly. 

In light of the additional information provided and the legal framework established by the FCRA, I kindly request a reevaluation of my dispute. I believe that a more detailed examination, considering the enclosed documentation and the legal provisions outlined in the FCRA, will contribute to a fair and accurate representation of my credit history. 

I appreciate your attention to this matter and look forward to a prompt response. If necessary, I am available for further discussion to ensure a comprehensive resolution. 

Thank you for your understanding 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 2023-12-31 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Well I got a alert saying I requested credit and did not can you please remove from Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion Credit Reporting Agency has failed to accurately resolve my dispute with my account at XXXX XXXX XXXX XXXX. This account is Paid In Full. My TransUnion dispute was not verified with XXXX  and instead I was given a status of : NOT CHANGED. This has happened before when submitting a Dispute with TransUnion. 
I have never had problems with XXXX or XXXX when updating my credit or disputes.

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 2023-12-31 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: NC

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. Thank you.

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 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have tried to fix incorrect information on my credit report from all three credit Bureaus Equifax, XXXX and XXXX months ago and many incorrect information is still being reported on my report for some time now which is very damaging to my name, reputation, character and my credit worthiness. I have been denied credit many times and have had high rates with Loans due to my credit reports having inaccurate information which puts me at a frustrating point to struggle to do any form of business or personal matters. 

There are multiple different names and multiple un-mailable addresses and wrong phone numbers and charge offs reported on my report which according the IRS publication charge offs are INCOME and must not be reported on any credit report but its is on mine I have uploaded two of my reports I can't upload all three website state too much file but you can see from my credit report many inaccuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: NC

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. Thank you.

Company response to consumer: Closed with non-monetary relief