vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I do not know about what this is, it showed up on my credit report and had no recollection or notification of this. No phone call, email, or any type of communication to collect debt has been given. I believe this is Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: TN

Complaint narrative:
After I checked my credit profile I seen some inquiries that are not mine.

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 2024-11-25 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX Subject : Formal Complaint Against Citibank N.A./THD for Unauthorized Credit Inquiry To Whom It May Concern, I am filing a formal complaint regarding an unauthorized hard inquiry on my credit report initiated by Citibank N.A./THD on XX/XX/XXXX. This inquiry was conducted without my consent or any permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ). 

Description of the Issue : On XX/XX/XXXX, Citibank N.A./THD accessed my credit report without my authorization. Under the FCRA, specifically 15 U.S.C. 1681b, a consumers credit report can only be accessed for permissible purposes, which require express written consent from the consumer. At no time did I provide such consent to Citibank N.A./THD, nor did I engage in any business transaction that would justify this inquiry. 

Impact on Me : The unauthorized inquiry has caused the following harm : 1. Negative impact on my credit score, which could affect my ability to obtain credit or favorable terms.

2. Unnecessary financial stress, as I have had to address this matter and dispute the inquiry.

Resolution Sought : I respectfully request the CFPBs assistance in the following : 1. Investigate this unauthorized hard inquiry made by Citibank N.AXXXX XXXX XX/XX/XXXX. 
2. Require Citibank N.A./THD to remove this inquiry from my credit report immediately. 
3. Ensure Citibank N.A./THD complies with federal laws and provides written confirmation of the removal and corrective actions taken.

Citibank N.A./THDs actions are in direct violation of my rights under the FCRA, and despite my attempts to address this issue directly, no resolution has been provided. 

I trust the CFPB will investigate thoroughly and take the necessary steps to protect my rights as a consumer. Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY 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 2024-11-25 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 formally request that the following unauthorized inquiries be removed from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these inquiries were made without my consent or authorization. 
Unauthorized Inquiries : XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX o Date of Inquiry : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: GA

Complaint narrative:
I am writing to formally request that the following unauthorized inquiries be removed from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these inquiries were made without my consent or authorization. 
Unauthorized Inquiries : XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX o Date of Inquiry : XX/XX/year>

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX. XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX  Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired XXXX XX/XX/year> 2024

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 2024-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I visited a Capital One branch in person to complete an international wire transfer. I provided the branch official the information for the intermediary bank ( XXXX XXXX ) as well as the final beneficiary ( my cousin ) and his bank information ( XXXX XXXX XXXX ). I specifically went to a physical branch because I had never sent any wire transfers, and certainly not any international wire transfers and was not confident I could do it myself with Capital One 's online system. The branch official entered the information in the wire transfer wrong, with the intermediary bank account number instead of my cousin 's account number. My cousin 's bank ( the beneficiary bank ) spotted the error in the paperwork on XX/XX/XXXX when we were looking into why he had not received the funds. I immediately contacted my bank to request that the error be fixed. I was informed the money was already transferred and the wire information could not be changed and therefor I would need to request that the funds be returned. I started that claim process through my bank that same day, XX/XX/XXXX. 
On XX/XX/XXXX my cousin wrote me and said his bank would also look into the transfer if I could provide the SWIFT XXXX file and the XXXX XXXX for the transfer. I called Capital One and requested this information and was informed they did not have it since they use another company ( XXXX ) to complete International wire transfers. I was told to call XXXX and just provide my name and some details of the transaction and they would be able to provide me with the SWIFT XXXX file and the XXXX XXXX for the transfer. I contacted Wise.com and they looked and said they didn't have a record of the transaction and could not provide either the SWIFT XXXX file and the XXXX XXXX for the transfer. At this point I don't know what to do. The money is no longer in my account, nor with my cousin 's bank. Presumably it is in limbo and with XXXX XXXX, the intermediary bank, but I seem unable to get any further answers or help with this claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I paid XXXX accounts in full and I disputed them on my experian account to show paid in full and they were removed from my account significantly dropping my credit score and I want them back on my report. I have worked hard over XXXX  years to have a good score and now that they removed them it dropped a high amount.

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 2024-11-25 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$580.00} Collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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:
On XX/XX/XXXX, a delinquent credit card from XXXX XXXXXXXX XXXX ( XXXX ) appeared on my Equifax report. 
The account had been opened in XXXX in California, where Ive never lived, or even visited at that time. 
The account had been current until then based on the history shown in the report. 
I had XXXX BoA credit cards which I paid off and closed in XXXX. 
I called the bank and they couldnt find the account under my name, social security number, etc. 
XXXX then sent me a letter saying that the information they provided to credit agencies was correct, and that it appears that one or more agencies may have combined my file with a file of someone with a similar name, and that I needed to contact the agencies directly so they could update their records. 
So, according to XXXX, the issue is with Equifax ( only credit agency where the account is shown ), but Equifax refuses to fix it. 
From Equifax : Account : XXXX Balance {$21000.00} Limit {$24000.00} Opened XX/XX/XXXX Date reported XX/XX/XXXX Date of first delinquency XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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:
On XX/XX/XXXX, a delinquent credit card from XXXX XXXX XXXXXXXX ( XXXX ) appeared on my Equifax report. 
The account had been opened in XXXX in California, where Ive never lived, or even visited at that time. 
The account had been current until then based on the history shown in the report. 
I had XXXX XXXX credit cards which I paid off and closed in XXXX. 
I called the bank and they couldnt find the account under my name, social security number, etc. 
XXXX then sent me a letter saying that the information they provided to credit agencies was correct, and that it appears that one or more agencies may have combined my file with a file of someone with a similar name, and that I needed to contact the agencies directly so they could update their records. 
So, according to XXXX, the issue is with Equifax ( only credit agency where the account is shown ), but Equifax refuses to fix it. 
From Equifax : Account : XXXX Balance {$21000.00} Limit {$24000.00} Opened XX/XX/XXXX Date reported XX/XX/XXXX Date of first delinquency XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
I bought my card from XXXX XXXX and kept it for use but when I was willing to use the card, I noticed it kept on DECLINING both online and in store, so I reached out to Incomm and I was told to VERIFY my IDENTITY, bc my card had been placed on hold with BALANCE of {$440.00} of which Ive been on the CASE for several months and yet no RESOLUTION, heres the CASE NUMBER assigned XXXX. Please help me CFPB & I will really APPRECAITE, GOD bless

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: AZ

Complaint narrative:
" I reviewed my consumer report and previously informed your agency on XX/XX/year> about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items. 
"

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 2024-11-25 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: FL

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request update/ correction of inaccurate information on an item that is listed on my consumer report : Account : XXXX XXXX XXXX ( XXXX ) This account is currently reporting inaccurately : I had a forbearance agreement plan with XXXX XXXX XXXX, and it is listed on my monthly statement. The consumer reporting agencies have assumed a vital role and a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payment for this account, and I have included screenshots inside the complaint. Please investigate provide proof with statements showing that these payments were late. If proof cant be provided with 30 days, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late.

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 2024-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Self Financial Inc.
State: GA

Complaint narrative:
The company is in violation of my consumer rights as outlined under the FCRA. According to the FCRA, all information on a consumer credit report must be 100 % accurate and verifiable. The company has included fraudulent, inaccurate accounts on my consumer credit file making the min violation of the law. I am a victim of identity theft and have no knowledge of these accounts. I have reported this incident to the FTC and included a copy of the report with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: AZ

Complaint narrative:
" I reviewed my consumer report and previously informed your agency on XX/XX/year> about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: IL

Complaint narrative:
I am writing to inform you that I am a victim of identity theft resulting from a data breach. As a result, fraudulent accounts and unauthorized inquiries have been reported under my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following items from my credit report : Fraudulent Accounts : 1. Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX  Date Reported : XX/XX/XXXX XXXX  Balance : {$680.00} Unauthorized Inquiries : 1. Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 2. Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX 3. Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 4. Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 5. Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 6. Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> I went into XXXX XXXX XXXX XXXX  to purchase a vehicle because the salesman XXXX told me I was approved upon a {$5500.00} down payment after I previously had provided all necessary documents to purchase the car. The bill of sale for the vehicle was never given to me and after several failed attempts the dealership refused to give me the paperwork for the purchase of the car after I put the money down. I paid {$500.00} of the {$5500.00} with my Cashapp account to purchase the vehicle so I've disputed the transaction with my financial institution as well as Cashapp and cashapp denied the dispute and the dealership is not cooperating to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I had checking account that's free with northwest banking before Wells Fargo. I had free savings account before Wells Fargo. I was grandfather in without fees. I didn't sign up for fees. I had over {$650.00} in checking and they shut it down by taking fees when I was grandfather in .Then they took another {$350.00} out my savings to close it without signatures I had those accounts before Wells Fargo took over. I want my money in a check. Lousy 45 years with them and I paid off credit card early and they dinged my credit for it without having a balance on the card. Wells Fargo said they had no idea what I was talking about. I had someone take care of their negligence across three credit bureaus for their mistakes.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I paid two accounts in full and I disputed them on my experian account to show paid in full and they were removed from my account significantly dropping my credit score and I want them back on my report. I have worked hard over 3 years to have a good score and now that they removed them it dropped a high amount.

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