vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 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: VA

Complaint narrative:
I have been a victim of identity theft and I have a lot of inquiries on my credit report that I did not authorize, Due to my fcra rights I will like them removed from my credit profile I have learned now to lock my credit report. I will upload documentation of inquiries

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 2024-09-29 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: OR

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/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 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 at 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. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached 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 reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections 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 the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I checked my credit report and I see that there is a credit card XXXX XXXX for XXXX on my credit report. However I never applied for XXXX XXXX credit card. I only have a XXXX auto loan at this present time. According to US CODE 15 6801 US CODE 15 1602 US CODE 15 1681a ( 2 ) I ) US CODE 15 1666b Please remove this account from my credit report Possible identity theft. I was a victim to identity theft within the last XXXX years

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 2024-09-29 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: NY

Complaint narrative:
I checked my credit report and I see that there is a credit card XXXX XXXX for XXXX on my credit report. However I never applied for XXXX XXXX credit card. I only have a XXXX auto loan at this present time. According to US CODE 15 6801 US CODE 15 1602 US CODE 15 1681a ( 2 ) I ) US CODE 15 1666b Please remove this account from my credit report Possible identity theft. I was a victim to identity theft within the last 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: NY

Complaint narrative:
I checked my credit report and I see that there is a credit card XXXX XXXX for XXXX on my credit report. However I never applied for XXXX XXXX  credit card. I only have a XXXX auto loan at this present time. According to US CODE 15 6801 US CODE 15 1602 US CODE 15 1681a ( 2 ) I ) US CODE 15 1666b Please remove this account from my credit report Possible identity theft. I was a victim to identity theft within the last 3 years

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 2024-09-29 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: MECHANICS BANK
State: GA

Complaint narrative:
An Erroneous account reporting on my Credit Report Dear Sir/Madam, I am writing to express my concern regarding a significant data breach that reportedly compromised the personal information of nearly 3 billion individuals, including mine. According to recent reports, the stolen data includes sensitive information such as Social Security numbers, phone numbers, email addresses, and mailing addresses. Given the scale and severity of this breach, it is crucial to address the impact on individuals affected by this incident. In addition to the breach, I have discovered an account entry on my credit report. 

This entry is not only inaccurate, but I have never received a service nor product from company CRB/XXXX. This is causing undue harm to my creditworthiness and financial stability. As a direct result of the breach, I am concerned that my personal information may have been used maliciously, leading to this erroneous reporting. 

I am a victim of a Data Breach : My personal information, including Social Security number, email address, and other sensitive data, was compromised in a recent cyberattack. A fictitious account is reporting on my credit from CRB/XXXX, I have asked this company to provide information on how my information was received and provide me a contract from their company with my signature and a service or product I have received. 

To no avail have CRB/XXXX  provided me the requested contract with my signature. For this reason this is my reason for making a compliant with CRB/XXXX.I have contacted the credit reporting agencies to dispute the erroneous bankruptcy entry and requested a fraud alert be placed on my credit file. I have also monitored my financial statements for any signs of identity theft or fraudulent activity. Requested Action : I kindly request the FTCs assistance in investigating and they directed me the CFPB. Thank you for your time and assistance. 

Respectfully yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
This is our last attempt to resolve this issue with Square after several attempts by contacting them directly, filling XXXX  complaint and also a previous complaint with CFPB, but Square has failed to address and resolve the issue yet. 

We have both accounts that is affected and we also have filled several complaints on that account as well. 


To clarify, THIS IS NOT A COMPLAINT ABOUT SQUARE DEACTIVATED OUR ACCOUNTS. THE ISSUE IS THE MONEY THAT WAS ON THE ACCOUNT AND BECAME AVAILABLE TO WITHDRAW AFTER A 90 DAYS HOLD, ITS BEEN TRANSFERED OUT OF OUR SQUARE ACCOUNT FRAUDUNETLY IN SEVERAL UNAUTHORIZE BANK ACCOUNTS. 

someone somehow access the account, added their back accounts and transfere the entire money on the account fraudulently. 

When I logged in to my Square account after 90 days hold on the funds, the balance showed up at {$0.00} and after checking the account history, I found that all the money on the account has been withdrawn out of the account frauduntly. 

The entire transfers needs to be immidietly reverse back to my Square account so I can transfer it to my own bank account. The total account of all the frauduent transfers are over XXXX dollar. 
Also Square mentioned in their previous response that due to sensitive nature of banking information, we have to contact them to verify those information which we tried several times but they weren't helpful at all over the phone, nor via email. Also as I have mentioned, the entire transfers out of the account is done fraudulently and there is no bank account that is added on the account is authorized by me and the entire transfers, needs to be reverse back to the account totaling over XXXX dollar and there is no need to verify any sensitive information. All the transfers out of the account needs to be reversed. 


I have made several attempts but Square seem like not trying to resolve the issue and this is my last attempt before I file a legal case or arbitration and will use all Square responses to these complaints as an evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I contacted XXXX in regards to the account, Southwest Credit Systems. This has been a reappearing credit collection being passed around by XXXX. Please advise XXXX and XXXX have deleted the collection but XXXX has not and this has been ongoing for 2 years! This is against my rights and surely in violation of FCRA and FDCPA as it was already proven that the alleged debt owed was incorrect! I demand XXXX to remove the debt immediately from Southwest Credit Systems as it is damaging to me! This company has been very aggressive and harmed my credit. It was originally passed to some company called XXXX XXXX XXXX on XX/XX/year> and they responded with a bill attached stating I allegedly owed {$1500.00}. The amount appears to be incorrect as my last bill with T-Mobile was a different amount of {$1400.00} which was already settled. You can not report inaccurate information nor do i owe t mobile! And now Southwest Credit Systems is doing the same! Doesnt seem to be a reputable company if its inaccurate! I want it removed immediately. Not to mention I have never heard of Southwest Credit Systems until today, meaning I never received proper communication that they would be reporting to my credit! This is several violations!! This time I will seek damages!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. This is a violation of 15 U.S code 168i ( 5 ) removal of inaccurate invalidated credit information. 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 2024-09-29 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. This is a violation of 15 U.S code 168i ( 5 ) removal of inaccurate invalidated credit information. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was looking for a network switch. A XXXX user, XXXX, reached out to me that he has XXXX. 

Originally, I insisted to go with the XXXX XXXX and XXXX, which is the typical way. However, he said he does not use XXXX and he prefers XXXX XXXX or XXXX. He also XXXX sent me a photo with the item and his XXXX id as the timestamp to obtain my trust XXXX XXXX XXXX XXXX Since I don't have a lot of knowledge on these types of scams, I trusted him and transferred him {$200.00} using XXXX via XXXX Chase Bank XXXX XXXX XX/XX/year>. This name is showing as XXXX XXXX and his phone number is XXXX About XXXX hours later, I lost contact with him and his XXXX account got suspended. I tried to call his number and no one picks up the call. 

Hence, I called Chase bank immediately to report the scam. They told me that I transferred via XXXX. Hence, I need to reach out to XXXX. 

After calling XXXX, they told me that I transfer through Chase Bank 's app, which is not their own app. Hence, I need to reach out to my bank to file the claim. 

I called Chase bank again, but they told me that I should definitely reach out to XXXX. There is nothing they can do. 

I know I was stupid enough to trust someone from the internet. I am very regret of it and learned my lesson. However, I am pretty upset that neither financial institution is even willing to help. Especially, given I know the scammer 's name and phone number, I am surprised that they are not even wiling to do something with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: BROKER SOLUTIONS, INC.
State: AZ

Complaint narrative:
I was closing on a condo- it was set to close on Friday, XX/XX/year>. On XX/XX/year>, my lender, XXXX XXXX from XXXX XXXX called me and said that I couldn't get the condo because it did not pass the condo questionnaire. The lender never told me about the condo questionnaire and implied that everything was set to go before this phone call. I have lost a significant amount of money because of this lack of disclosure and would not have paid for lease breaking, appraisal, or inspection if I had known that the condo was possibly not even eligible for a loan. He did not inform me of this until a week before closing and the only compensation that I was offered was a credit for my past appraisal amount and a free future appraisal for my next deal if I continue to use the lender. Because of his lack of disclosure, I am out thousands of dollars, lost a deal, and currently do not have a home. 

The contact information for the person I was working with is : XXXX XXXX Loan Originator NMLS # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: DC

Complaint narrative:
I asked each company can they send the original documentation of myself giving authorization for them to have my information. I asked for this information a few times, I don't recall actual dates. I recently asked about a week ago and never received any information as of yet. This is my last resort to try and get something done or some help. I'm hoping I can get some much needed information to help me with long process. Thank you.

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 2024-09-29 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: DC

Complaint narrative:
I asked each company can they send the original documentation of myself giving authorization for them to have my information. I asked for this information a few times, I don't recall actual dates. I recently asked about a week ago and never received any information as of yet. This is my last resort to try and get something done or some help. I'm hoping I can get some much needed information to help me with long process. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: OH

Complaint narrative:
I recently Reviewed a copy of my credit report and noticed I have fraudulent accounts on my report please remove these accounts from my report, they are hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Personal information associated with my name need to be removed Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX. 
I am no longer associated with this address and need it removed immediately According to the FCRA I as a consumer have the right to report and asked to be removed any inaccurate information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: NV

Complaint narrative:
Personal information associated with my name need to be removed Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX. 
I am no longer associated with this address and need it removed immediately According to the FCRA I as a consumer have the right to report and asked to be removed any inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings
State: IN

Complaint narrative:
On XX/XX/2024, I discovered that my credit report inaccurately lists my credit score as XXXX. My actual credit score is approximately XXXX, as confirmed by XXXX and XXXX. This discrepancy has led to unfair denials of my credit applications, which is affecting my ability to secure necessary resources for my family. 

Additionally, XXXX XXXX XXXX is reporting negative information on my credit report. My lease with them ended on [ insert end date of lease ], during which I experienced several unresolved issues with their management. Therefore, I believe that their reporting does not accurately reflect my experience and the status of my lease. 

I request that these inaccuracies be investigated and corrected 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 2024-09-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am contacting Experian in regards to XXXX # XXXX that was submitted on XX/XX/year> through CFPB regarding XXXX XXXX. Experian has stated they have investigated and marked my report as verified/acceptable. I am now asking Experian for verification of method of investigation. Please advise Experian has a 15 day window allowable to provide the method of verification according to FCRA. If not provided within 15 days this will be a violation of my rights and I will seek 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 2024-09-29 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: Chime Financial Inc
State: KS

Complaint narrative:
On XX/XX/year>, I placed an order on XXXX for an amount of {$64.00} for an electronic component to be shipped to me through USPS Economy. According to the website, orders are typically sent within two to three business days after the payment is processed. After waiting 17 days with no shipment, I contacted the only support option available on their website, which was their email. I did not receive a response. After realizing the company will likely never ship the product or refund the amount, I contacted my banking provider to begin a dispute with the aforementioned information on XX/XX/year>. On XX/XX/year>, I received a notification my dispute was denied because no billing error occurred. XXXX investigated once more upon request XX/XX/year> and replied with the same insufficiently detailed response.

Company response to consumer: Closed with non-monetary relief