vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMERICAN EXPRESS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: SC

Complaint narrative:
I did not permit this inquiry, and I have not had any contact with this lender on the date mentioned.

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 2024-09-19 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: TX

Complaint narrative:
I request your assistance with the incorrect account being shown on my credit report. This situation has harmed my reputation, and I depend on your help. The improper management of my credit report has led to serious damage to my reputation. Please remove the incorrect details from my credit report promptly.

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 2024-09-19 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: CA

Complaint narrative:
These late payments do not align with my usual payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal credit card account opened XXXX on XX/XX/XXXX, under the account number ( XXXX ), XXXX on XXXX XXXX under the account number ( XXXX ), XXXX on XX/XX/XXXX, under the account number ( XXXX ), XXXX XXXX on XXXX XXXX, under the account number ( XXXX ), XXXX  on XX/XX/XXXX, under the account number ( XXXX ), XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), XXXX on XX/XX/XXXX, under the account number ( XXXX ), XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ). A personal loan account opened at XXXX XXXX under the account number ( XXXX ), XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), XXXX XXXX under the account number ( XXXX ), XXXX XXXX under the account number ( XXXX ), XXXX XXXX  on XX/XX/XXXX, under the account number ( XXXX ) and a collections account opened at XXXX XXXX with a balance of $ ( XXXX ), XXXX XXXX with a balance of $ ( XXXX ), XXXX XXXX  with a balance of $ ( XXXX ), XXXX XXXX  with a balance of $ ( XXXX ), XXXX XXXX XXXX  with a balance of $ ( XXXX ), XXXX XXXX  with a balance of $ ( XXXX ) that appears related to the aforementioned. 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, XXXX  XXXX bankruptcy 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: IL

Complaint narrative:
on XX/XX/year> the company WESTLAKE PORTFOLIO MANAGEMENT located XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. violated XXXX or more of my fair credit reporting acts such as - 15 U.S CODE 1681 B - A .Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : section ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not knowingly or unknowingly give WESTLAKE PORTFOLIO MANAGEMENT any written permission to report to my credit profile - 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party WESTLAKE PORTFOLIO MANAGEMENT did not contact me or give me warning that they will be reporting any of my personal information to a third party. in addition WESTLAKE PORTFOLIO MANAGEMENT did not give me an explanation of how the consumer can exercise that nondisclosure option.

-15 U.S. Code 1692c - Communication in connection with debt collection. After I notified WESTLAKE PORTFOLIO MANAGEMENT to cease all communication with me they still continued to communicate with me via XXXX XXXX such as XXXX XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: SD

Complaint narrative:
These companies accessed my credit report without my permission, which has negatively impacted my credit score. I reached out to Experian, and a representative said they would remove the inquiries, but theyre still there. These unauthorized and fraudulent inquiries are causing me anxiety, as I worry I might be a victim of identity theft, adding unnecessary stress to my life and further hurting my credit 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 2024-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: MA

Complaint narrative:
On Monday, XX/XX/XXXX at approximately XXXX XXXX XXXX  XXXX discovered that my CashApp debit card had been stolen and used at two locations in XXXXXXXX XXXX. I am in XXXXXXXX XXXX, which is a few hours from that city in XXXX As soon as I saw the pending transactions, I contacted CashApp support to notify them and have the card blocked. The following day, once the transaction was no longer pending, I submitted a dispute stating that my card was stolen from my vehicle and used without my authorization ( or awareness ) at a location far from where I am living. The resulting transactions from XXXXXXXX XXXX currently show one completed for {$63.00} with the other as declined. 

I've heard back thus evening from CashApp with their decision to deny the dispute, stating their review shows the transaction was not unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX  ) and did not leave the house on XX/XX/XXXX. Even though this is not a large amount of money, I am very frustrated with being told that my stolen card was not actually stolen. I had to order an expedited replacement debit card for {$53.00} on top of the stolen {$63.00}, to top off the week. 

My understanding ( correct me if I am wrong ) is that at a minimum I am liable for at most {$50.00} of the funds stolen from me. Is this accurate? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CashApp Card ( Account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information at CashApp matches above. 

I have no documentation to prove I did not authorize the transactions, apart from my behavior immediately reporting, ordering a new card, my full 10 hour day working remotely for my employer ( online ), and my phones location history. Screen shot of one app 's phone location data for XX/XX/XXXX is attached. I can request documentation from my employer of my XXXX source IP address? I'm open to any ideas for additional ways to prove the facts here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: MS

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: VA

Complaint narrative:
After several months, I was finally able to see that all but one of my loans were forgiven on StudentAid.gov. However, they are all still on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
The calls from XXXX XXXX are not only harassing and unnecessary but disruptive and costly. In a single day alone I receive a minimum of 6 calls per day that begin as early as XXXX ( as they did on Tuesday XX/XX/year> ) and as late as XXXX ( as on Friday XX/XX/year> ). This is the minimum, unlike the most calls, which was 11 on Wednesday XX/XX/year>. 

On 3 separate occasions ( XX/XX/year> & XX/XX/year> & XX/XX/year> ) I have contacted them to ask them to stop calling me and was met with snide remarks or was hung up on but the calls have not stopped. My attempts to block their numbers have been futile as I have received calls from now more than 50 different phone numbers from them. 

They also are not reflected on my credit report as the company they claim to be representing. This feels like a violation of privacy, violation of confidentiality, breech of terms, and not to mention the constant calls draining my phones battery, interrupting important life events, and causing an overall decline to my health and wellbeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft, which has resulted in the appearance of multiple unauthorized accounts and credit inquiries on my credit reports. I have discovered accounts and inquiries that I did not initiate or authorize, and these have negatively impacted my credit standing. 

The Fair Credit Reporting Act ( FCRA ), under Section 605B, provides me with the right to dispute information related to identity theft and to request the blocking of fraudulent information from my credit reports. Additionally, Section 611 of the FCRA allows me to dispute the accuracy of any information in my credit report and obligates the credit bureaus to investigate and correct any inaccurate or incomplete information. 

The accounts and inquiries that I do not recognize include, but may not be limited to, the following : Capital One Equity Inquiry Date : XX/XX/XXXX Capital One Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I am requesting that your office intervene in this matter to ensure that these unauthorized accounts and inquiries are properly investigated and removed from my credit file in accordance with FCRA guidelines XXXX I have already begun the dispute process with the major credit bureaus, but I am seeking the CFPBs assistance to ensure that my rights under the FCRA are fully protected. 

I have also filed reports with the Federal Trade Commission ( FTC ) and local law enforcement in regard to this identity theft incident. Enclosed are copies of these reports and other supporting documentation to aid in your investigation. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue and ensuring the integrity of my credit reports. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2024 The credit bureaus stated XXXX XXXX was properly investigated, that I did not supply enough proof. Please see my police report thar verified my complaint. Also I tried several times to upload this information on experian site and would not work. I am a Victim of fraud and identity theft and I feel that I have been treated unfairly and like a liar. This has hurt my credit and continues to cause anguish in my life. 


This is ground for removal. They also violated my rights under 15 U.S.C. 1681 SECTION 604 A SECTION 2 The law clearly states a consumer reporting Agency can not furnish a account without my written instructions. I have not given this account written permission to furnish this account on my credit report. This account is currently closed and under investigation from kohls and correcting all fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/year> The credit bureaus stated XXXX XXXX was properly investigated, that I did not supply enough proof. Please see my police report thar verified my complaint. Also I tried several times to upload this information on experian site and would not work. I am a Victim of fraud and identity theft and I feel that I have been treated unfairly and like a liar. This has hurt my credit and continues to cause anguish in my life. 


This is ground for removal. They also violated my rights under 15 U.S.C. 1681 SECTION 604 A SECTION 2 The law clearly states a consumer reporting Agency can not furnish a account without my written instructions. I have not given this account written permission to furnish this account on my credit report. This account is currently closed and under investigation from kohls and correcting all fraudulent charges.

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 2024-09-19 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: CA

Complaint narrative:
I have no connection to the listed creditors, and these inquiries were not made by me.

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 2024-09-19 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: MS

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-09-19 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: MS

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-09-19 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: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-19 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: RI

Complaint narrative:
I just checked my credit profile today and I noticed that I had an unknown, unauthorized and fraudulent account reporting to my profile. I'm referring to an account with XXXX with account number XXXX. The open date on this account is XX/XX/2023 but I never opened an account with XXXX. Which makes this incomplete and inaccurate reporting to my consumer credit profile. This is NOT my account and I want this account to be IMMEDIATELY deleted 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
Consumer complaint received 2024-09-19 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: SC

Complaint narrative:
I did not permit this inquiry, and I have not had any contact with this lender on the date mentioned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is regarding to the closed dispute made from XXXX in the amount of XXXX dollars on XX/XX/year>. I opened the dispute with Chase Credit Card XXXX because I have not received the merchandise as promised by the merchant up until now. 
The merchandise is for XXXX ounces of silver purchased from a merchant named XXXX. Even though the merchant provided the tracking information from the post carrier, the tracking information does not show any signature from myself nor anyone of my family. Furthermore, I asked my family and neighbors around and no one saw any package left around the delivery date. Also the proof of delivery does not show my full home address : XXXX XXXX XXXX XXXX XXXX XXXX 
I hereby certify the above statement is true and best of my knowledge. However, it's almost XXXX months which have passed, Chase closed my dispute without issuing any credit. I should not be paying for something that I have not received.

Company response to consumer: Closed with explanation