vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian will not allow you to speak with a live agent. I am trying to remove a fraud alert from my credit file. I need a form from Experian in order to process the removal. I can't access the form online so I need to speak with an agent. They will not allow you to speak with an agent at all.

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 2024-09-22 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: MO

Complaint narrative:
My issue is with the company called ( XXXX  ). Back in XXXX of 2023 I was trying to start my own business and ran across a scam entrepreneurship company that was working with them and they reported a late payment on my credit profile but I terminated my contract with then and they still reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
They continue to say I owe a old loan I don't know anything about. I talked to them over XXXX years ago afraid I had identity theft and asked to see original loan documents and never received any. I disputed collection on my credit report and it was removed. Now a different collection agency has put a new collection account on my report. I disputed it with XXXX and it came back as a verified and correct. That is impossible. I can get rid of them. It's been approx XXXX years or longer. They called my daughter and her new husband 's family in another state who I don't even know saying I'm in legal trouble. Please help me with this Cashnet USA company go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: GA

Complaint narrative:
This complaint is in regards to Transunion failing to remove/Block information in my credit file due to XXXX XXXX. I have provided Police report, XXXX  affidavit, FTC XXXX XXXX  report everything necessary to have accounts deleted from my file due to someone using my personal information and identity to obtain credit. I am reaching out to CFPB for assistance in getting this matter resolve. I can not believe how difficult this has been, I have provided every thing possible to have accounts removed. Do not understand why these accounts have not been remove. I did not open these accounts!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding a Western Union money order I purchased on XXXX XXXX XXXX in the amount of {$500.00}. After misplacing the money order and later finding it, I discovered that I could not cash it because it had been altered. I then initiated the refund process, followed all required steps, and was informed that a refund would be issued after 30 days, provided the money order had not been negotiated. 

That 30-day window has long since passed, yet I still have not received my refund. Despite repeated follow-ups, Western Union has failed to reissue my money. I have been told multiple times that the refund is " in process '' and could take an additional 15 days or more. Meanwhile, they continue to hold {$500.00} of my money, and I was charged a {$15.00} fee for the refund process.

The delay and lack of transparency in handling this matter is extremely frustrating. I have been given no clear resolution, and the outsourced customer service provides no help beyond reiterating that the refund is still processing.

I believe this situation reflects poorly on Western Unions practices, and I am deeply concerned about how others, particularly seniors, low-income individuals, and those relying on timely payments to meet their obligations, are being treated. This experience has been a nightmare, and I will never use Western Union again.

I request that my refund be expedited immediately. For reference, the tracking number for my money order is XXXX, and the date of purchase was XXXX XXXX XXXX 

Sincerely, XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Found my credit score has gone down ( now by XXXX points ) as Chase Bank issued a credit card under my old name ( name changed when I married 23 years ago. This person had my old name, my old phone number, and used my social security number. 

I discovered the information while Chase was in the process of sending this unknown person a credit card under my old name, but my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: LA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested. 

Also, it is fraud for credit bureaus to furnish a consumer 's credit report without a written request from the consumer. I haven't given anyone a written request to furnish my accounts. Credit bureaus must also investigate disputed information and correct or delete inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I started the application process in early XXXX needing the money by mid-XXXX. I was told that there would be enough time. I submitted everything through the first Bank of America representative I spoke to. Soon after I was contacted by another person ( XXXX XXXX ) and provided more needed information. On XX/XX/XXXX I recieved a voicemail saying she had received everything and nothing else was needed at that time. I still have this voicemail. After not hearing from Bank of America for a couple weeks I started calling and leaving messages but no one contacted me. Toward the end of XXXX I tried calling a different number and finally spoke to someone. I was told my application was cancelled due to missing information. I spoke to several people and they all admitted that the loan processor had dropped the ball. They had to start the process completely over. My loan was to be used for college tuition for my daughter. Since the 30 day delay happened my loan was not closed in time and I had to use a credit card to pay. The college charges a 3 % fee for using a credit card and I believe that due to Bank of Americas lack of diligence processing my application I should be reimbursed for this. I spoke to the manager named XXXX and he said he was sorry, but Bank of America is not able to reimburse any fees caused because of their actions. I feel very strongly that I was financially damaged by their actions and want this remedied. I am not asking for any additional compensation at this point, just the reimbursement for the fees. Total was {$720.00}. If this has to go to a court I plan on hiring a lawyer, adding those legal fees, and asking for punitive damages.

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 2024-09-22 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: IN

Complaint narrative:
I got a XXXX credit card in XXXX. In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed some type of fraud/identity theft. I reported it. I closed this card. I had a security deposit that should have been returned to me, but my account was on autopay. It did not close and kept taking money. It increased my credit card limit, and continued to allow fraudulent charges, and to charge me fees. My security deposit was not returned and they said I owed {$200.00} when they finally closed the account in XX/XX/XXXX. They reported late payments and a {$200.00} charge off when I should have had a deposit returned to me. I provided them with an identity theft affidavit and police report. I have talked to customer service representatives and used the chat, but no one has been able to help me and its still reporting negatively on all XXXX credit reports.

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 2024-09-22 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: IN

Complaint narrative:
I got a XXXX credit card in XXXX. IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I noticed some type of fraud/identity theft. I reported it. I closed this card. I had a security deposit that should have been returned to me, but my account was on autopay. It did not close and kept taking money. It increased my credit card limit, and continued to allow fraudulent charges, and to charge me fees. My security deposit was not returned and they said I owed {$200.00} when they finally closed the account in XX/XX/XXXX. They reported late payments and a {$200.00} charge off when I should have had a deposit returned to me. I provided them with an identity theft affidavit and police report. I have talked to customer service representatives and used the chat, but no one has been able to help me and its still reporting negatively on all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: IN

Complaint narrative:
I got a XXXX credit card in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I noticed some type of fraud/identity theft. I reported it. I closed this card. I had a security deposit that should have been returned to me, but my account was on autopay. It did not close and kept taking money. It increased my credit card limit, and continued to allow fraudulent charges, and to charge me fees. My security deposit was not returned and they said I owed {$200.00} when they finally closed the account in XX/XX/XXXX. They reported late payments and a {$200.00} charge off when I should have had a deposit returned to me. I provided them with an identity theft affidavit and police report. I have talked to customer service representatives and used the chat, but no one has been able to help me and its still reporting negatively on all XXXX credit reports.

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 2024-09-22 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: GA

Complaint narrative:
I am urgently notifying you that I have been a victim of XXXX XXXX, which has resulted in numerous fraudulent accounts and inquiries appearing on my credit report. These accounts and inquiries were made without my knowledge or consent, and I am demanding immediate action to address and remove them. 

INQUIRIES - 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  ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have filed an XXXX XXXX  report with the Federal Trade Commission ( FTC ) and insist on the prompt removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Property Receivables, Corp
State: CA

Complaint narrative:
Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX WA, XXXX. 

XXXX paid in full on XX/XX/year> but still showing on account until today ( XX/XX/year> )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: DC

Complaint narrative:
Reference Date XX/XX/year> XXXX that was taken by Experian reported my credit utilization XXXX  score XXXX points. 

15 U.S. Code 1681b - Permissible purposes of consumer reports. It is unlawful to report transaction history. In accordance with the written instructions of the consumer to whom it relates. Experian have my private information without my permission XXXX XXXX XXXX XXXX Disclosure and Term and Condition say they dont share information about consumer creditworthiness to affiliated or nonaffiliated also, XXXX say they may report late payments, missed payments, to Consumer Reporting Agencies but nowhere on XXXX Term and Condition state that they report credit utilization ( balance ) so why are you reporting it Experian this is a violation as a result my XXXX score XXXX points. 

15 U.S. Code 6801 - Protection of nonpublic personal information. consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so how is this fair and equitable to the consumer Experian. 

Reasonable procedures fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 U.S. Code 1681- Congressional findings and statement of purpose. 
SEE ATTACHMENT EXPERIAN CONSUMER REPORT CREDIT USAGE EXPERIAN XXXX REPORT XXXX SCORE

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 2024-09-22 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: TX

Complaint narrative:
In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  Account number XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

And nor do I have any acknowledgement of this account at all.

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 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XXXX XXXX, 2024, before XXXXpm, I timely made my monthly payment. Due to delayed processing on behalf of Capital One, Capital One did not process my payment until XXXX XXXX, 2024 then charged me a past due fee of XXXX, however my payment was timely paid. I had request a reversal of that past due fee however Capital One representative indicated that they could not reverse that fee, for reasons unknown nor could they tell me the time in which they received my payment and time in which they processed my payment. Therefore I am requesting a refund and reversal and/or credit to my account of {$25.00} plus any interest charged since XXXX  2024, because I timely paid my monthly payment, therefore was not late and any lateness was due to Capital One 's processing of the payment. Moreover, I am requesting a credit/refund/reversal of that XXXX past due fee so that I may pay my balance in full as I have mailed a payment of XXXX wherein that amount should zero out my balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure the accuracy Here is the item I am asking to be as accurate. 

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 2024-09-22 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: FL

Complaint narrative:
I paid a loan with cashapp for XXXX the minute that I paid the loan I was charged XXXX witch was the amount due at the same exact time I was charged an additional XXXX for no reason i called the customer service number and was told that the loan department only contacts customers from email and it can take up to XXXX days. I received an very confusing email that has nothing to due with my problem and asked to be called its has been over XXXX weeks and as I much as i tried no one there has helped me or contacted me I have called and emailed and nothing has been done at this point cashapp is not working in good faith to resolve an issue that clearly was made by them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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:
I have provided Equifax Credit Reporting Agency all necessary documentation under Fair Credit Reporting Act in regards to identity theft to have information due to fraud removed from my credit file. I recently receive correspondence from Equifax stating I needed to file FTC theft report to have information in question removed/BLOCK from my file on XX/XX/XXXX, XXXXIn which I have provided to Equifax upon request. However, I was told by Consumer Affairs department at Equifax, that either police report in which I provided in XX/XX/year> or FTC identity theft report would be sufficient to have the items Blocked from my file. Upon providing documentation requested from Equifax they have not deleted the accounts from my file. I am a victim of Identity theft and Equifax has not followed federal law as it relates to Fair Credit Reporting Act identity theft. Can someone please assist me with this situation. I have followed all necessary steps to have accounts due to fraud removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: TN

Complaint narrative:
This account ( XXXX XXXX XXXX XXXX Account Number : XXXX ) was charged off on the following date : XX/XX/2022. Since then the date of last activity has been inconsistently updated. On Experian the date last active is XX/XX/2022 and on XXXX its XX/XX/2022. If the information is coming from the original creditor the dates should be the same. We can not say that these are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my 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