vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: TN

Complaint narrative:
On XX/XX/XXXX from XXXX to XXXX someone charged my card 4 times. 

The first purchase being {$10.00}, second one being {$52.00}, third one being {$21.00}, fourth one being {$27.00}. 

I contacted cashapp first, they said they can not do anything or dispute because the charges are still pending. So i contacted blizzard, told them the situation, they said they were unable to locate the charges even though I gave them all of the information they asked me for and said that they are not able to help and I need to take it up with the bank. The bank in question is cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-03 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have been a victim of identity fraud. I have numerous accounts and inquiries on my credit profile that i did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166b : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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 attached a word document showing the inquires that were unauthorized. I just want these inquires removed from my report so they stop affecting my 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 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: MD

Complaint narrative:
I am frustrated with the repeated delays in addressing accounts on my credit report that are both in pending litigation and inaccurate. I've reached out several times, and the inaction is damaging.

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 2024-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
After explaining that I am recently released from the XXXX XXXX XXXX XXXX, having been held in their custody from XX/XX/XXXX to XX/XX/XXXX, and reviewing my credit reports to find an unauthorized charge off being reported by the company I was sent a letter on XX/XX/XXXX simply stating, " Our research has found no signs of fraud. As a result, we haven't made any changes to your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity. 

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Georgia Attorney General 's Office, and pursuing legal action under applicable state and federal laws.

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.

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 2024-12-03 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Georgia Attorney General 's Office, and pursuing legal action under applicable state and federal laws. 

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Chase bank emailed me on XX/XX/XXXX saying that they were going to close my account and to call them. I called them and they said they were closing the account and going to mail me a check with all of my funds ( over $ XXXX ). 
After 2 weeks I still had not received any checks so I called the bank again and they then told me that they actually never sent the checks. And now my account was under investigation and they are not going to send me anything until the investigation is over. They said the investigation can take up to 2 weeks. They can not tell me why its under investigation or give me any information until the investigation is over.

After 2 weeks I called again and they said actually its still under investigation and we do not know how long it will take.

It has now been over 3 months. They still have all of my funds. They still wont tell me why. No one can give me any information. I have no idea what is even under investigation. I just want the money that is in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: WA

Complaint narrative:
The inaccuracies on my credit report are absolutely damaging and reflect accounts that do not belong to me. I am outraged that multiple complaints have resulted in no action whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: AL

Complaint narrative:
Westlake Financial has been reporting the debt as a charge-off consistently since XX/XX/year>. This is a violation of the FCRA as you can not continuously report charge-offs. I contacted the company and requested to correction/deletion of the account, and they responded this morning indicating their reports are accurate, despite the inaccuracies on my credit report. The company has failed to see the violations nor has contacted me in any other forms to correct the reporting on my credit report, therefore I am requesting the deletion of this account. It was written off as a charge-off, however, I have not received any information including a 1099 form for taxes or any other forms for handling this correctly. This is a violation of the FCRA section 623 ( a ) ( 2 ) and other connection sections.

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 2024-12-03 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 am writing to report that I am a victim of a data breach and have identified fraudulent accounts and credit inquiries on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of all accounts and inquiries associated with unauthorized activity. 
XXXX Accounts : XXXX XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$1700.00} XXXX XXXX XXXX Account No. XXXX Opened XX/XX/XXXX Balance : {$740.00} XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$13000.00} Fraudulent Inquiries : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Credit reporting Agencies are reporting Bankruptcy information without any verification and have ignored my request for verification and stated Verified, I have documented proof that they could not and did not verify with the Original Creditor as required during the investigation process ( LETTERS FROM BANKRUPTCY COURT THAT THE DO NOT REPORT NOR DO THEY VERIFIY ). they have caused myself and my family harm and financial hardship due to their fraudulent reporting accounts that should be deleted IMMEDIATELY!! 
XXXX ) XXXX XXXX ) XXXX ** I hereby formally revoke any consent, whether given knowingly or unknowingly for the reporting or dissemination or my person information to credit reporting agencies. 
Per FCRA 15USC 1681 it is within my right to control the dissemination of my personal information and revoke any previously given consent per Privacy act of XXXX 5USC 552a

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Credit reporting Agencies are reporting Bankruptcy information without any verification and have ignored my request for verification and stated Verified, I have documented proof that they could not and did not verify with the Original Creditor as required during the investigation process ( LETTERS FROM BANKRUPTCY COURT THAT THE DO NOT REPORT NOR DO THEY VERIFIY ). they have caused myself and my family harm and financial hardship due to their fraudulent reporting accounts that should be deleted IMMEDIATELY!! 
XXXX ) XXXX XXXX ) XXXX ** I hereby formally revoke any consent, whether given knowingly or unknowingly for the reporting or dissemination or my person information to credit reporting agencies. 
Per FCRA 15USC 1681 it is within my right to control the dissemination of my personal information and revoke any previously given consent per Privacy act of 1974 5USC 552a

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 2024-12-03 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: CO

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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-12-03 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: IN

Complaint narrative:
Consumer Name : ( ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a Accounts : Fair Collections & out Account # XXXX date opened XX/XX/XXXX bal. {$12000.00}, XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$11000.00}, XXXX & XXXX, XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX bal. {$2400.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$2400.00}, XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$770.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$750.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$650.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$640.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$430.00}, XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$310.00} XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$170.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$100.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$37.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00} 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. 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 response to consumer: Closed with non-monetary relief