vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-08 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX charged me a purchased I did not make or authorized. I explain to the representative that I didn't make the purchased. I also wasn't aware until several months later since I do not use that credit card for daily purchases. I spoke to comenity and advised them and they offer no assistance, and told me that I was liable for the charges. I do not even have the credit card. I told the representative that I was to pay off the account and to close my account however they are hurting my credit when I was the victim of fraud and that is not okay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-08 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:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B.

The identified transactions are not information related to any transaction by me as the consumer ( see attached )

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 2024-01-08 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:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B.

The identified transactions are not information related to any transaction by me as the consumer ( see attached )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2024 at XXXX I called to try to resolve a collection with midland funding. I was told I owe XXXX and its with a collection and any information will be used against me.i offered to settle the account I told The representative that I can afforded XXXX to settle account then he started yelling at me and threatened me that he will forward this to judgment where I could be arrested I repeated my self and asked him again what he meant he said it depend on your state but I could be arrested or have a judgment against me to garnish me wage or take legal action against me. Which in my understanding under the fair credit act they cant threatened me or make me feel intimidated. I am asking and reporting this unfair behavior and Im asking to remove this debt from my report I didnt know I had such a credit card with XXXX XXXX and I am not sure who used it or applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: CO

Complaint narrative:
File dispute back in XX/XX/2023 requesting for the following accounts to be removed : XXXX XXXX {$880.00} out of {$700.00} 127 % XXXX XXXXXXXX {$1100.00} out of {$950.00} 123 % XXXX XXXXXXXX {$3500.00} out of {$3000.00} 118 % XXXX  XXXX {$1200.00} out of {$1100.00} 116 % XXXX XXXX XXXX {$5400.00} out of {$5000.00} 110 % These accounts are in direct violation of Federal law ( 15 USC 1681a rules of Construction ) ( 2 ) ExcLusIons. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

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 2024-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: OR

Complaint narrative:
I make additional payments each month and U.S. Bank has refused to apply the extra money correctly. I have asked them 3 times to correct this situation and they have refused.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I bought a XXXX XXXX XXXX in XXXX because of divorce and poor credit, I was given a predatory car loan by Santander who has been fined for predatory lending practices by The Federal Government. 
When the pandemic first hit, I turned my car in voluntarily because I was concerned about my finances ( this was before government subsidies ) .Santander sold my vehicle but there was a remaining balance which I could not afford. Since then, I am now on food stamps, Medicaid and am awaiting a decision on XXXX because of a XXXX XXXX In XXXX I became seriously ill with XXXX XXXX and my XXXX XXXX XXXX Last year, I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and in XX/XX/XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do know there is a Government program to remove negative credit reports during The Pandemic and I would like this Collections to be removed from all three credit bureaus.Santander are a bunch of crooks that prey on the poor and they deserve to be fined again for predatory lending practices! 
Please help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXXXXXX 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 2024-01-08 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: VA

Complaint narrative:
In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXXHowever, they stated was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: VA

Complaint narrative:
In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXXHowever, they stated was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case

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 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On or about XX/XX/XXXX I applied for a Wells Fargo Active Cash Visa card. I am XXXX years old and I do not recall ever being late on a payment my whole life and normally I pay all credit card balances in full each month on or before the due date. I have over a 800 credit score and I have about 5 active credit cards, all of which will vouch for my credit history. I do not have a mortgage on my home so debt ratios are not a factor. 
Wells Fargo about two weeks later, sent me an email asking me to provide W2 's and I presumed this was due to age discrimination since they clearly could determine by my credit report that my credit score is over 800 and there had never been any late payments or defaults. I called Wells Fargo and informed them I wished to withdraw my credit application as I was not going to submit W2 's due to my credit score and record. I was concerned about impacting my flawless credit and thus the reason for the withdrawal request. Wells Fargo would not give me an answer over the phone. 
ON XX/XX/XXXX, I received a denial of credit notice from Wells Fargo. I replied back via email and the message bounced back. I then called Wells Fargo and told them I was going to file a complaint with the CFPB and the OCC. They said they would get back to me and I have not heard back. This is clearly age discrimination and their refusal to not allow me to withdraw my application will impact my impeccable credit history. The simple solution is to allow my credit application to be withdrawn and this problem goes away but Wells Fargo chose to force me to file complaints with both the OCC and the CFPB. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Nv 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 2024-01-08 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: NC

Complaint narrative:
Experian continues to verify XXXX XXXX XXXX account information that they know does not meet the criteria of the FCRA. 

Several disputes have been submitted for this account to be deleted, with each resulting in the account being verified or inaccurate information being updated. Documents validating incorrect and false information have been provided, and this account remains in my credit file. 

The balance, payment history, payments, type of account, and all information reported to Experian are inaccurate and false. 

Experian has violated the agreement it made with the XXXX back in XX/XX/2017. 

The creditor has been flagged on the XXXX XXXX website and due to technical issues never had a complaint filed through CFPB. They have continued to verify this information knowing that Experian will not delete it.

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 2024-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
Basically I have been using Coinbase since 2017 and have been a regular, rule-abiding customer. 3 months ago they locked my account and froze all my funds saying they were doing a quick review. 3 months later, still absolutely no word or timeline. Just terribly distressing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: LA

Complaint narrative:
Cash app is not allowing me to receive payments from a rental tenant. That said that I have exceeded my receiving limit but refuse to tell the limit or how the limit is calculated. This can be misleading for customers because now I am unable to collect my rent payment in one transaction. The tenant is now going to have to send multiple transactions which will incur them fees from their institution and inconvenience us both. I understand that cash app has limits in place for a reason. Im happy to abide by their limits but I fee Im owed an explanation as to how what my limit is so I know how to best work with my tenants.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am writing to express my extreme frustration and dissatisfaction regarding the apparent negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ) in your handling of my credit report. Specifically, I am addressing the inaccuracies related to the account with XXXX XXXX XXXX, originally held by XXXX XXXX, bearing the following details : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/2023 Balance : {$250.00}. It has come to my attention that other credit bureaus have promptly and responsibly removed these erroneous accounts from their records after identifying an error. These agencies were diligent in their investigations and successfully rectified the issue. I am left bewildered as to how your bureau claims to have verified the information, while others have acknowledged and corrected their mistakes. I am left to question your procedures, integrity, and commitment to complying with the law. It is both disheartening and infuriating that, as a victim of inaccurate reporting, my pleas for resolution have fallen on deaf ears. The blatant discrepancy between your actions and those of other bureaus is not only confusing but also indicative of a systemic failure within your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: NY

Complaint narrative:
I DID NOT SIGN A CONTRACT WITH Transunion. Transunion VIOLATED 15 USC 1681b-PERMISSIBLE PURPOSE of consumer reports, THE LAW CLEARLY STATES that : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you, Transunion written instructions to furnish this on my credit report?

I never gave Transunion any written or verbal consent to report anything on my consumer report. THIS DISPUTE IS COMING DIRECTLY FROM MEEE!!!!

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as the transactions or experiences between the consumer and the person making the report ; I AM DEMANDNG TRANSUNION TO DELETE/REMOVE THE FOLLOWNG ACCOUNTS LISTED BELOW FROM MY CONSUMER REPORT.

. VIOLATED 15 USC 1681b-PERMISSIBLE PURPOSE-NO WRITTEN CONSENT XXXX XXXX Account Number XXXX XXXX As a consumer by law this account must be deleted immediately 2. VIOLATED 15 USC 1681b-PERMISSIBLE PURPOSE-NO WRITTEN CONSENT XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

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 2024-01-08 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 


XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$200.00} 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation