vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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 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 2024-11-23 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-11-23 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: TX

Complaint narrative:
Fraudulent accounts are being reported on my credit report and I would like them removed I have disputed these accounts previously they are against the consumer laws reporting inaccurate information to my credit report The Fair Credit Reporting Act ( FCRA ) protects consumers from fraudulent accounts on their 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: WY

Complaint narrative:
Dear XXXX XXXX, Incident Date XXXX. 

On or about I processed a payment for a client after XXXX had a serious Global outage. 
XXXX seemed to be a good solution for my client. After, on XXXX XXXX closed my account and or deactivated it. They suspended my deposit for {$2700.00} for 90 days. 
This is a very serious issue that the FTC should investigate for many clients of XXXX. 
They seem to close accounts and hold funds without a clear reason. Other than your business doesn't fit our matrix of business. They cause great harm to the average small business by holding large amounts of funds. In, many cases they damage peoples lives. 
I demand my funds be released immediately!! 

** Please investigate this XXXX being done by XXXX. ** Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: IA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED CITICARDS XXXX XXXX XXXX {$4900.00} XXXX - XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: Credit Karma, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Credit Karma Subject : Dispute Regarding Discrepancies in Credit Report Information Dear Credit Karma Team, I am writing to formally dispute the inaccuracies in the credit report information displayed on my Credit Karma account, specifically regarding the data sourced from XXXX. 

Upon reviewing my credit report on Credit Karma, I noticed that it shows 15 inquiries associated with my XXXX account. However, when I logged directly into my XXXX account, I found that there are zero inquiries listed. This significant discrepancy raises serious concerns about the accuracy of the information provided by Credit Karma. 

Credit Karma claims to obtain its credit report information directly from XXXX. If this were true, the information shown on both platforms should align. Instead, I am faced with conflicting data : Credit Karma displays a credit score of XXXX, while my XXXX report indicates a score of XXXX. This further emphasizes the inconsistency in the information being reported. 

To provide more context, here are additional details from my Credit Karma report dated XX/XX/XXXX : - **Name : ** XXXX XXXX XXXX XXXX XXXXCredit Score : ** XXXX ( Calculated using XXXX XXXX XXXX - **Employment Info : ** Renewal by XXXX ( Self-Employed XXXX EMP ) - **Addresses Reported : ** - XXXX XXXX XXXX XXXX, XXXX, CA XXXX - XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Overview XXXX ** XXXX **Real Estate Loans : ** CRB/Credit Rent Boos - Reported : XX/XX/XXXX - Balance : {$0.00} ( In good standing ) - Opened : XX/XX/XXXX - Payment History : 100 % of payments made on time **Inquiries on XXXX Report : ** While Credit Karma lists 15 inquiries, my direct XXXX account shows none, further questioning the reliability of Credit Karmas reporting. 

Given these discrepancies, I would like to understand why there is such a divergence in the information provided by Credit Karma compared to what is presented by XXXX. I believe it is crucial for consumers to have access to accurate credit information, and the inconsistencies I have encountered are concerning. 

I kindly request that you launch an investigation into this matter and provide clarification regarding the source of the information reported on my Credit Karma account. Additionally, I would like to discuss potential compensation for the incorrect reporting that may have adversely affected my credit profile. 

For your reference, I have attached screenshots of both my Credit Karma report and my XXXX report, highlighting the discrepancies mentioned above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX : 1. Screenshot of Credit Karma report 2. Screenshot of XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WV

Complaint narrative:
I was arrested on XXXX XXXX XXXX and was released on XXXX XXXX XXXX while I was in jail with no access to my Chime account, app, or card. There was {$1200.00} taken from my account. On XXXX XXXX XXXX I contacted Chime regarding the transaction and explained everything and emailed them my dispute with proof that I wasn't able to do these and I didn't authorize it. So in 15ins minutes I got a denial and said no errors, I kept dispute because I knew it was fraud, they kept denying it and then closed my account and said to bad nothing can be done because your account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXXXXXX XXXX BALANCED {$4900.00} XXXX - XX/XX/scrub>XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-23 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: IL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries associated with my credit file. As a victim of a data breach, I have identified the following entries on my credit report that I did not authorize. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these entries be removed from my credit profile. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Unauthorized Inquiries : XXXX XXXX A - XX/XX/XXXX XXXX - XX/XX/XXXX Positive Accounts ( Do Not Remove ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: TX

Complaint narrative:
I request that you : 1. Investigate the disputed late payments and promptly delete or correct any information that is inaccurate or not in compliance with the XXXX XXXX. 
2. Provide me with a copy of my updated credit report.

3. Cease reporting the erroneous late payments to any third parties until the investigation is complete. Please consider this letter as formal notice. 

Proof Is attached of Payments reflecting updated current and not late.

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 2024-11-23 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: TX

Complaint narrative:
I request that you : 1. Investigate the disputed late payments and promptly delete or correct any information that is inaccurate or not in compliance with the XXXX XXXX. 
2. Provide me with a copy of my updated credit report.

3. Cease reporting the erroneous late payments to any third parties until the investigation is complete. Please consider this letter as formal notice. 

Proof Is attached of Payments reflecting updated current and not late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request that you : 1. Investigate the disputed late payments and promptly delete or correct any information that is inaccurate or not in compliance with the XXXX XXXX. 
2. Provide me with a copy of my updated credit report.

3. Cease reporting the erroneous late payments to any third parties until the investigation is complete. Please consider this letter as formal notice. 

Proof Is attached of Payments reflecting updated current and not late.

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 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Since my last complaint to the CFPB I had spoken to the fraud department at Capital One 360. Once on XXXX I was on hold for well over an hour and she kept telling me she was going to get to the bottom of my account being restricted and not being able to use my debit card or withdraw funds from my account. She then got back on the phone and said there was a mistake on Capital Ones part, and she lifted the restriction and promised me that it would never happen again. She then said I need to get you over to the customer service center and have them reissue you a new debit card. Once I was transferred to the customer service department the agent said I will reissue you a new debit card with expedited shipping and you should get it in three days. Once I woke up the next day and called Capital One 360 again to inquire about when I would be receiving my new debit card, they advised me that the restriction was back on my account, and I wouldn't be receiving a new debit card to access the funds in my checking account. Then I called the fraud department once again and kept getting the same excuse that the restriction wouldn't be lifted. Then I made one more attempt and called the fraud department. This woman representative told me to hang on for a while and she was going to get to the bottom of the situation. She then said Capital One 360 had everything all disorganized and notes about my account all messed up that it was pathetic. She then lifted the restriction once again and she told me the same thing. That this would never happen again. Also, she stated that I should be receiving a new debit card in the mail. Now once again I woke up the next day on XX/XX/year> and looked at my checking account and the restriction was put back on my account. I have direct deposits that go into that account which holds me exempt. This company needs to be stopped. I have read hundreds of online articles that distinctly say to stay away from Capital One 360 checking accounts at all costs because they are ripping people off constantly and keeping money that doesn't belong to them to take. They are keeping my money from me to pay all my bills with, and this could cost me to starve to death and lose my home for my son and myself. If I had known about their deceptive and illegal ways, I would have never banked with them in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I got a loan from a bank. My wife and I were told since it was a cashier check, it would only have a one day hold. I asked again because I wanted to be sure.We were told not to worry this was on XX/XX/XXXX, on XX/XX/XXXX, nineteen checks were returned, five checks were returned on the XXXX of XXXX, and 6 more on the ninth of XXXX even though there was over {$70000.00} in the account. We are senior citizens on fixed income, needless to say how much this has set us back. Because we had to pay fees on the returned checks, it created a hardship we still haven't recovered from. This was Navy Federal Credit Union. I got many excuses but they were 100 % at fault on this, their tellers even told us days later when I asked them that the check should have only been on hold one day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
There are between XXXX and XXXX loans depending on which day I look. They wont allow me to consolidate. I don't know who even owns the account at this point. I have been experiencing hardship because of these PREDATORY loan companies since XXXX  Of all the loans listed there, I NEVER FINISHED A SINGLE PROGRAM BECAUSE I COULDN'T AFFORD IT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian XXXX XXXX XXXX XXXX reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consist of Auto Financing Companies XXXX  XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX. Another fraudulent inquiry, consist of XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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