vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX SS #, XXXX This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the TransUnion Experian , and XXXX credit reporting agency . I request that you ( CFPB ) block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

In accordance with the Fair Credit Reporting act, a inaccurate collections account XXXX opened XXXX shown on my Experian & XXXX consumer credit report. A hard inquiry from XXXX XXXX on XX/XX/XXXX, A hard inquiry from XXXX on XX/XX/XXXX, A hard inquiry from XXXX XXXX on XX/XX/XXXX, A hard inquiry from XXXX XXXX XXXX XX/XX/XXXX, a hard inquiry from XXXX XXXXXXXX on XXXX XXXX, a hard inquiry from XXXX on XX/XX/XXXX XXXX XXXX hard inquiry from XXXX on XX/XX/XXXX, a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX, a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX. All the accounts are falsely on my Experian, Trans Union and XXXX consumer credit profile. I would like these accounts deleted with in 4 days of receiving this complaint. 
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

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
On Tuesday morning ( XX/XX/year> ), I received a deposit of {$2000.00} into my Chime account as an advance loan on my tax return. Later that day, when I attempted to use my account, every transaction I tried was blocked.

I have contacted Chime customer service more than four times, and each time, the representative tells me to wait 24 hours for the issue to resolve. However, every day, after waiting the 24 hours as instructed, I attempt a transaction, and it is still blocked. The same cycle repeats each time I call, with no real resolution or explanation.

Chime customer service claims that my account does not show any blocks or restrictions and that everything should be working normally. However, every time I attempt a transaction, I receive a message stating that Chime has blocked the transaction.

Despite multiple calls and chats, Chime has not been able to connect me with anyone who can actually resolve the issue or provide a valid reason for why my money is inaccessible. I rely on these funds, and Chimes failure to address the issue has caused significant inconvenience and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app closed my account and refused to tell me why ... .I appealed they denied it but still refused to tell me why.They kept telling me to refer to there terms and I asked what good would it do for me to refer to the terms if I don't know what the violation was.It was XXXX left in the account.Im currently homeless..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX  Iowa XXXX Dear Sir/Madam, I am writing to bring to your attention a serious issue concerning identity theft that has affected me. Despite numerous attempts to rectify the situation with the credit bureaus, my requests have been ignored. To date, XXXX has been the only bureau that has responded and taken the appropriate and correct measures. 

I have written to both TransUnion and Equifax three times, providing all necessary documentation, including the identity theft affidavit and complaint. I have previously submitted this information to you in a previous complaint. However, they have failed to take any action to address the derogatory information on my credit report resulting from the identity theft. They are both still reporting inquiries that I did not authorize and accounts that do not belong to me. Please refere to the previsous filing As a victim of identity theft, I am deeply concerned about the potential consequences this may have on my financial well-being and creditworthiness. I urge the CFPB to intervene and ensure that the erroneous information is promptly removed from my credit report. 

I kindly request that you investigate this matter and take the necessary steps to rectify the situation as soon as possible. Your prompt attention to this issue would be greatly appreciated. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: EQUIFAX, INC.
State: HI

Complaint narrative:
Im writing to dispute an unauthorized credit inquiry listed on my report. I never gave permission to this company to pull my credit, and this inquiry is both unauthorized and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meridian Financial Services, Inc.
State: GA

Complaint narrative:
FINAL NOTICE This Letter Serves as my formal demand for the immediate DELETION of Inaccurate and Unverified information REPORTED on my credit consumer reports. Despite the REPEATED DISPUTES, you have Fail to Perform a Proper Validation Of this account as REQUIRED by the FCRA your continued Failure constitutes Willful Non Compliance, FRAUDULENT Misrepresentation and a violation of my rights under Federal law. 
Reporting Inaccurate Information 623 ( a ) ( l ) Failure to Delete Inaccuracies 611 ( a ) ( 5 ) Willful Non Compliance 616 Fraudulent Misrepresentation 623 ( a ) ( l ) ( B ) Failure to Provide VERIFICATION 609 ( a ) ( l ) See Attached document Of Non Compliance to do business In the State of Georgia

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 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have a visa credit card with PenFed Credit Union for over ten years. The past two months I have been charged a late fee when I have always paid on time. The due date for each statement is the 21st of each month. My last two payments have been posted/received on the 27th of each month. I even tried paying a week earlier than usual for my last payment/statement. I am pretty sure I am not the only one affected by this and a class action lawsuit may be considered.

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 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX SS #, XXXX This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the TransUnion Experian , and XXXX credit reporting agency . I request that you ( CFPB ) block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

In accordance with the Fair Credit Reporting act, a inaccurate collections account XXXX opened XXXX shown on my Experian & XXXX consumer credit report. A hard inquiry from XXXX XXXX on XX/XX/XXXX, A hard inquiry from XXXX on XX/XX/XXXX, A hard inquiry from XXXX XXXX on XX/XX/XXXX, A hard inquiry from XXXX XXXX XXXX XX/XX/XXXX, a hard inquiry from XXXX XXXXXXXX on XXXX XXXX, a hard inquiry from XXXX on XX/XX/XXXX XXXX XXXX hard inquiry from XXXX on XX/XX/XXXX, a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX, a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX. All the accounts are falsely on my Experian, Trans Union and XXXX consumer credit profile. I would like these accounts deleted with in 4 days of receiving this complaint. 
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

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
**DUE TO ACCOUNT CLOSURE I AM UNABLE TO RETRIEVE ANYTHING FROM ACCOUNT** I had a cashapp account in good standing for MANY YEARS. About XXXX ago an unauthorized charge for XXXX was removed from my account. Upon searching in vain for XXXX phone contact, I was forced to attempt to rectify the problem with Cashapp " CHAT ''. I explained the charge was not authorized and I needed to dispute it, per cashapp policies. Less than XXXX hours later I was notified that my dispute was denied they found no fraud or suspicious removal of funds. I demanded contact information for the company/user who had taken the XXXX, the " chat '' representative told me they could not give me that information and, " it wouldn't do any good to contact them, the charges stand ''. I AGAIN over the course of next 3 days attempted to gain contact information to the company/person who removed XXXX from my cashapp account, it was removed from my account... it was NOT A DEBIT CARD charge and on the XXXX day of being told to basically get over it they closed my cashapp account. Without notice, wasn't able to log back in to the account at all to remove the rest of my tax refund from account which was XXXX. Cashapp said I was in violation of terms and conditions but flat out refused to tell me what term or condition I violated. I attempted to make another account so I could reach customer support chat, which is only available in the app once logged into your account, I was no longer able to log in to my account! All attempts at making a new account IMMEDIATELY resulted in new account being closed upon me completing ID verification. So, XXXX plus XXXX was just gone and I had no way whatsoever to recoupe my money back from Cashapp. They took my entire 2022 tax refund. I still to this day have no idea who it was that took XXXX from me & still have not been able to get my XXXX that was in the account when Cashapp spontaneously closed it. No ability to reach Customer support without an account and any new account I attempt to make is immediately shut down. That was not the first time I'd lost money with Cashapp & their fraudulent charges. I don't know what to do, we do not have enough money to pay bills & eat much less hire an attorney to sue them. I just want my money they took.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
Pursuant to 18 USC 1028A I am a victim of identity theft. I never gave authorization for these accounts to report on my consumer reports by the consumer reporting agencies.

FCRA 605B states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of the receipt. And I was affected by the Equifax Data breach, My personal information was exposed.

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 2025-01-31 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: FL

Complaint narrative:
Pursuant to 18 USC 1028A I am a victim of identity theft. I never gave authorization for these accounts to report on my consumer reports by the consumer reporting agencies.

FCRA 605B states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of the receipt. And I was affected by the Equifax Data breach, My personal information was exposed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, the Bureau issued an order against Equifax , Inc. and Equifax Information Services LLC ( collectively, Equifax ), one of the largest consumer reporting agencies in the country. Equifax collects and organizes data on most adult Americans to generate consumer reports, which it sells to creditors and other businesses that evaluate whether to offer consumers loans, jobs, housing, and certain other products. To promote the accuracy and fairness of information in consumer reports, the federal Fair Credit Reporting Act ( FCRA ) gives consumers the right to dispute incomplete or inaccurate information in their credit file and requires consumer reporting agencies, like Equifax, to forward notice of the dispute to the company that originally provided the information ( called the furnisher ). FCRA also requires consumer reporting agencies to reinvestigate such disputes and remove or correct any inaccurate, incomplete, or unverifiable information. The Bureau found that Equifax violated FCRA, including by failing to properly conduct reinvestigations of disputed information in consumer files; failing to prevent the improper reinsertion of previously deleted information from consumer files; failing to provide adequate written notice to consumers of the results of its reinvestigations; failing to follow reasonable procedures to assure maximum possible accuracy of information Equifax reports on consumers ; and failing to block reporting of information consumers identified as resulting from identity theft and to provide appropriate notice when such blocks were declined or rescinded. The Bureau also found that Equifax engaged in unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by : ( 1 ) using ineffective systems, flawed processes, and excessive deference to furnishers to resolve consumer disputes and failing to adequately inform consumers of the results of reinvestigations ; and ( 2 ) selling inaccurate consumer credit scores and credit attributes after it introduced test code into a production environment in a scoring model server. The order requires Equifax to come into compliance with the law and pay a {$15.00} XXXX civil money penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Company was tasked with investigating and running disputes for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has refused to run accurate disputes while also modifying personal Details on file to attempt to fraudulent tie debt to consumer. Debt was PAID IN FULL prior to closing off account. XXXX violated consumers rights and sold Debt to XXXX XXXX as new debt. XXXX had no right to selll a paid off debt to a 3 party. XXXX has collected funds for debt while selling debt to 3rd party which is illegal. When tasked with investigating issue company refused

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
I contacted cash app company asking them to stop payment from coming out of my account it was a scam they responded they told me to look for information on the app and there was no where on the app where I could get my money back I kept calling and getting the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
starting in XX/XX/XXXX identity theft led to fraud on two different citibank credit cards.

emails and primary phone number were changed on accounts in XXXX, XXXX and XXXX continued to occur. 
at one point up to {$10000.00} in fraud charged, corrected by citi - no $ loss for me over 4 months, changed out credit cards 4 times added every level of 2 factor and security measures fraud was always the same phone number and email as of XX/XX/XXXX, despite security and checking the accounts every few days both accounts contact info were recently changed again. no new $ fraud. But seems CITI has no way to stop it. AND wont tell me any information which is frustrating.? Inside job? wonder

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 proce 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 2025-01-31 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX at ( about ) XXXX XXXX XXXX, I made a withdrawal for XXXX from a US bank ATM XXXX addressed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After initiating the transaction the ATM shut down, keeping my debit card and the XXXX dollars but deducting the money from my account. A claim for the funds was denied twice by XXXX violating consumer protection laws and regulation XXXX compliance by not conducting a through investigation. My account has been deactivated, wrongfully denying me accesses to my funds and the XXXX dollars has been charged off affecting my credit

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 2025-01-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: AK

Complaint narrative:
I place this with a debt settlement company called Beyond Finance that took my money telling me they were negotiating a settlement with my Creditors after a year I found out nothing had been done,.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
incorrect information in my credit report showing in all my credits frauds and identity theft.

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