vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
To Whom it May Concern : I am writing to file a complaint against Cash App concerning a XXXX  transaction that occurred on XX/XX/year> at XXXXXXXX XXXX XXXX. I sent XXXX from my personal XXXX  wallet to a wallet that I mistakenly thought was my personal Cash App wallet. The mistake happened because the Cash App wallet address was recorded on XXXX as the address that was used to send a previous transaction ( Transaction ID : XXXX ) from my cash app to my exodus. Unbeknownst to me at the time, this address I sent my XXXX to belonged to Cash App as part of their exchange services. 

Upon realizing the mistake, I contacted Cash Apps customer service, via the phone. The representative told me they can submit a ticket to their XXXX  team to investigate but that there was no one to physically speak to. The XXXX  team for cash app contacted me and I explained the situation but they informed me that they are unable to locate or retrieve the funds. I have exhausted all avenues of communication with Cash App, including multiple attempts to escalate the issue to higher management, without any resolution. 

The details of the transaction are as follows : - **Transaction ID** : XXXX - **Amount** : XXXX XXXX - XXXX : XX/XX/year> XXXXXXXX XXXX XXXX 
- XXXX Address it was sent to** : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX This complaint is to answer above complaint. 
I have sent what I had but I am sending this complaint so you can follow us and resolve it as XXXX  of Americans have been taking by this fraud set up. 
Bank is claiming that Zelle is not going to refund you. It is your lost but this is a fraud on XXXX of Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
In XX/XX/year>, I received a written communication from Transworld Systems Inc. ( TSI ) regarding a payment of {$470.00} owed to XXXXXXXX XXXX  XXXX XXXX XXXX, an XXXX XXXX XXXX XXXX XXXXXXXX, Florida. I contacted XXXX via phone several days after receiving the letter to notify them that this is the result of identity theft. I was instructed to provide a police report showing this as an open case, but I have not been able to contact the detective assigned to a previous case of identity theft involving my personal information in order to add this information to the open case. I have never lived in XXXX XXXX, Florida, and this issue is due to identity theft. I have an open case with the XXXX XXXX XXXXXXXX XXXX Police XXXX XXXX XXXX XXXX, Florida ) where we are attempting to pursue the individuals causing these issues. The XXXX has informed me that they have discovered an identical photocopy of my FL Drivers ' License. 

Attached to this complaint are the following : XXXX. Letter from Transworld Systems Inc. describing the delinquent account at XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX. XXXX XXXX Police Dept report XXXX ( open case regarding identity theft associated with my Driver 's License ). 
XXXX. Letter from Florida XXXX XXXX XXXX XXXX and Motor Vehicles notifying me that a fraudulent copy of my Drivers ' License has been discovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: CNG FINANCIAL CORPORATION
State: MO

Complaint narrative:
To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( Axcess financial ), XX/XX/year>. I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. 
By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify.I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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. Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: CA

Complaint narrative:
This is a complaint against XXXX XXXX. My problem started when I bought a house located at XXXX XXXX XXXX, XXXX, CA XXXX. I never lived at this address, as soon as I bought it I put it up for rent starting XX/XX/XXXX. I don't know when someone used my name to open an account with XXXX XXXX without my consent. I contacted XXXX XXXX but they would not give me any information about the account. They say they don't have any information because the account was closed and they gave me the phone number for the XXXX XXXX collections department. When I called that number I asked them if they had any type of document signed by me confirming my identity or if they could verify any information about my ID that they may have on my profile. I asked them what the name and address on the ID is. I also asked them what places the card was used. They were unable to give me the information I requested and they would not help me confirm the identity of the card user. I am requesting that they remove this fraudulently opened account from XXXX, transunion and XXXX. I am attaching a copy of the police report for identity theft, I am attaching my electric bill from XXXX which confirms my address at the time. XXXX XXXX ' collection department sends monthly unpaid reports to XXXX, Trans Union, and XXXX. I can't pay for something I never bought. I never signed for anything. It's a fraudulent account, no one wants to help me. I have tried to file complaints with XXXX, XXXX, and XXXX XXXX, and they never want to help me. They always deny my complaint. I am asking for help. Please, this has to stop. My credit is ruined by criminals who used my identity. I will never apply for a loan or card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: CA

Complaint narrative:
This is a complaint against XXXX XXXX. My problem started when I bought a house located at XXXX XXXX XXXX, XXXX, CA XXXX. I never lived at this address, as soon as I bought it I put it up for rent starting XX/XX/XXXX. I don't know when someone used my name to open an account with XXXX XXXX without my consent. I contacted XXXX XXXX but they would not give me any information about the account. They say they don't have any information because the account was closed and they gave me the phone number for the XXXX XXXX collections department. When I called that number I asked them if they had any type of document signed by me confirming my identity or if they could verify any information about my ID that they may have on my profile. I asked them what the name and address on the ID is. I also asked them what places the card was used. They were unable to give me the information I requested and they would not help me confirm the identity of the card user. I am requesting that they remove this fraudulently opened account from equifax, XXXX and XXXX. I am attaching a copy of the police report for identity theft, I am attaching my electric bill from XXXX which confirms my address at the time. XXXX XXXX ' collection department sends monthly unpaid reports to Equafax, XXXX XXXX, and XXXX. I can't pay for something I never bought. I never signed for anything. It's a fraudulent account, no one wants to help me. I have tried to file complaints with XXXX, Equafax, and XXXX XXXX, and they never want to help me. They always deny my complaint. I am asking for help. Please, this has to stop. My credit is ruined by criminals who used my identity. I will never apply for a loan or card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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:
This is a complaint against XXXX XXXX. My problem started when I bought a house located at XXXX XXXX XXXX, XXXX, CA XXXX. I never lived at this address, as soon as I bought it I put it up for rent starting XX/XX/XXXX. I don't know when someone used my name to open an account with XXXX XXXX without my consent. I contacted XXXX XXXX but they would not give me any information about the account. They say they don't have any information because the account was closed and they gave me the phone number for the XXXX XXXX XXXX department. When I called that number I asked them if they had any type of document signed by me confirming my identity or if they could verify any information about my ID that they may have on my profile. I asked them what the name and address on the ID is. I also asked them what places the card was used. They were unable to give me the information I requested and they would not help me confirm the identity of the card user. I am requesting that they remove this fraudulently opened account from XXXX, XXXX and experian. I am attaching a copy of the police report for identity theft, I am attaching my electric bill from XXXX which confirms my address at the time. XXXX XXXX ' collection department sends monthly unpaid reports to XXXX, XXXX XXXX, and Experian. I can't pay for something I never bought. I never signed for anything. It's a fraudulent account, no one wants to help me. I have tried to file complaints with Experian, XXXX, and XXXX XXXX, and they never want to help me. They always deny my complaint. I am asking for help. Please, this has to stop. My credit is ruined by criminals who used my identity. I will never apply for a loan or card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied for a XXXX XXXX XXXX XXXX from American Express prior to XX/XX/year>. 
Subsequently, I received a letter ( from that date ) denying an extension of my credit because my " average utilization of credit card accounts is currently too high ''. As the Principal Creditor, This is in violation of 15 USC 45 & 1611. 
American Express is unlawfully denying my credit card application for false non-decisive factors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CO

Complaint narrative:
This company sabotages everything, extorted me out of at least XXXX $ in shipping fees stolen all my money from my benefits every month stole my apt from right out of my feet, gotten my personal information and put hexes and cursed my family and my boyfriend and my own health and well-being and cheated on my taxes and stolen my back pay from social security I never received and stolen my service animal and killed it, threatened and pays with my own money people to try and kill me every single day I have XXXX incidences where they date XXXX drugged me and overdose me and put me kidnapped in the hospital almost to death XXXX times and kidnapped and trying to murder my family members and took my friend lives with murder and they are still at it they moved in to the building my boyfriend lives in and is impersonating celebrities and are harassing me daily stolen over XXXX $ over 8 year period of time and steals every phone and belongings I get stolen my whole life and turned everything and everyone against me and ruined my reputation and is not going to stop there has been people murdered by them and my family and I are still kidnapped and it's not stopped yet... I am at my wits end, they steal everything I have everyday and they are on drugs and they drugg me and overdose me and my family and my boyfriend and they brainwashed everyone and the police have been alerted about this too... I need immediate help with this this has turned into a multi state abomination. They got the coalition for the homeless to kidnapp XXXX and bieden it's very serious

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to dispute an error on my credit report. The EXPERIAN the agency XXXX XXXX XXXX, put me in collection that reflects on my XXXX credit report, stating that I owe them {$110000.00}. I contacted them but they dont want to give me info whether this amount is from an credit card or a loan. They insist that I have to pay them. I let them know I have proof that I was a victim of identity theft .But they refused to accept any proof, they keep insisting that I have to pay them. Im requesting to get the collection removed from my account. XXXX attaching, a copy of the police report of identity theft, residential, I live at the same address XXXX agreement, account services /XXXX  a proof of residency. My problem started when I purchased a home located in XXXX XXXXXXXX XXXX XXXX, CA XXXX. I never lived in this address, as soon as I purchased it I put on rent starting XXXX of XXXX. I dont know when someone used my name to open an account with several banks are taking out long and credit cars, in almost all banks they took out credit using my name fraudulent, his collection agency is harassing me for a debt I never bought and that was opened fraudulently. Please help me. My credit is destroyed by identity theft. I never took out a loan let alone applied for a card. They need to verify the signatures. The face of the person. I never signed for a loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: TX

Complaint narrative:
OUR COMPLAINT 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, THESE ADDRESS & NAME ARE NOT ACCURARE # XXXXXXXX XXXX XXXX  Tx XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX tx XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX tx XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX, XXXX, XXXX XXXX, THE LIST ABOVE ACCOUNTS HAVE VIOLATED MY RIGHTS. 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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. 15 U.S.C.1681Section

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: GA

Complaint narrative:
I am filing this complaint against Equifax, XXXXXXXX XXXX, and XXXX XXXX due to a gross violation of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

On my Equifax credit report, a collection account has been re-added between XX/XX/XXXX, and XX/XX/XXXX, despite the fact that I have never had any account or financial relationship with XXXX IN. The account, originally reported by XXXX XXXX, was previously marked as paid in full and closed on XX/XX/XXXX, with a XXXX balance. Despite this, the same collection account has been inaccurately reported as a new account on my credit file. 

This re-reporting of a paid and closed account is a clear violation of Section 623 of the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), which mandates the accuracy and integrity of information furnished to credit reporting agencies. Additionally, XXXX failure to ensure the accuracy of the information they report, as required under Section 611 of the FCRA ( 15 U.S. Code 1681i ), is unacceptable and has resulted in significant harm to my credit standing. I demand an immediate investigation into this matter by the CFPB, and I expect prompt action to be taken against Equifax, XXXX XXXX, and XXXX XXXX for these violations. I am requesting that this erroneous collection be removed from my credit report immediately, and I further expect any related negative marks to be corrected or expunged without delay. This situation has caused undue stress and potential financial harm. If this issue is not resolved promptly, I will pursue further legal action and seek damages for the violations of my rights under federal law. Thank you for your immediate attention to this critical matter. I look forward to confirmation that this erroneous collection account has been permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As per the guidance from the consumer financial protection bureau the documents needed are a picture id, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block the information from my credit report within four business days, pursuant to section 605C OF THE FAIR CREDIT REPORTING ACT. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: FL

Complaint narrative:
As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate. 
Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description or reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( 8 ) ( i ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer tor that description.

Please send the ( Following information used to validate the item ( s ) below, otherwise delete them from my credit report immediately : Account ( XXXX ) : XXXX. XXXX XXXX XXXXXXXX This account is being reported inaccurately, Please remove this from my credit report immediately

Company response to consumer: Closed with non-monetary relief