vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is fraudulent activity Someone got ahold of my SSN and tried to get credit at several companies - XXXX, XXXX, XXXX, XXXX, and probably more Ive reported to all XXXX credit agencies and put fraud alerts on all. 

Please ensure no accounts are opened fraudulently.

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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should have been deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I attempted to make a {$36.00} purchase and I was charged in fraud {$99.00} and {$180.00}. I went into great detail of how many times I attempted to call the company and explain this is fraud. I have filed a complaint with XXXX After 2 months of trying to dispute with Capital One I get a generic letter that they are unable to help me because I couldn't show them a piece of paper of cancellation. XXXX XXXX ( the fraud company ) didn't even send a confirmation or approval email after they fraud charged my credit card. I explained there is no paper for an online fraud charge. All I have for the merchant " XXXX XXXX '' is a phone number. MINUTES after the charges hit my card I called Capital One and cancelled my card and the agent called the company with me and we had XXXX luck getting someone from this fraud company. I tried calling and left a dozen messages over 2 months and now their voicemail is FULL. I can't get resolution with my bank and they will not acknowledge this fraud when this company is clearly and documented with XXXX as being a fraud company. I want my money refunded. I do not have any product. I was charged these 2 transactions without my consent or approval. I would like capital one to stop transferring me around just to tell me I need to provide proof that does not exist. All other card companies worked and resolved these charges from numerous other victims of this fraud. I have read over 200 stories online of people getting scammed the same as me. I have no faith in my credit card company. They need to see this is illegal for me to be charged all of this money when I never authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have file compliant with Consumer Financial Protection Bureau before and the issues still have not be taken care of. Now I am getting denied credit for an auto loan because XXXX XXXX is still showing on my credit reports as an owe debt when it was filed in my Chapter XXXX case. 
I have sent you and the credit bureau copies of my filing and the credit bureau is still reporting it as I owe {$27000.00}. 
I want it corrected ASAP and removed at once or I will seek legal help and go back to the court and report it to 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 2021-11-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On Friday XX/XX/XXXX, at XXXX I checked my bank account to see my pay from my job and noticed someone took money out of my savings and transferred {$8000.00} from my savings to my checking account. I noticed a windows device had access to my bank account which I only use my Iphone for banking services. I immediately contacted my Chase bank and they locked out my accounts and I needed to go in person to a branch in order to open new accounts and freeze my old accounts. I also changed my passwords for all my accounts and kicked off any devices that were unknown. I now was kicked off my t mobile services and have contacted t mobile also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). After looking over my credit report, I have found fraudulent inquiries. It is my right, according to the FCRA, to request a proper investigation into these inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX CARD XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this complaint. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
1 ) XXXX XXXX XXXX  Account XXXX Balance : {$1900.00} Most be deleted 2 ) .XXXX XXXX XXXX XXXX  Account XXXX Balance : {$9100.00} Most be deleted Equifax is reporting these companies listed above on my credit report for almost 10 years now. I do not know these companies nor have I ever had any businesses with these companies. These companies do not have any contract with my signature or proof that they have any account on file with my name on it. Equifax most Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years. By law, credit bureaus are only allowed to list negative items for a certain amount of time. These accounts most be DELETED NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This Account is not mine I have contacted the company and I have been effected by this account and it's damaging my health and the ability to use my credit. This need 's to be removed from our credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
hi there was a fraud with my wire transfer to my coinbase I lost XXXX dolors I called my bank if they can recover my money and cost these transactions but they did not help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is fraudulent activity Someone got ahold of my SSN and tried to get credit at several companies - XXXX, XXXX, XXXX, XXXX, and probably more Ive reported to all 3 credit agencies and put fraud alerts on all. 

Please ensure no accounts are opened fraudulently.

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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is fraudulent activity Someone got ahold of my SSN and tried to get credit at several companies - XXXX, XXXX, XXXX, XXXX, and probably more Ive reported to all 3 credit agencies and put fraud alerts on all. 

Please ensure no accounts are opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, 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: CT

Complaint narrative:
Capital One has run multiple unauthorized hard inquiries on my account from all 3 bureaus. I only authorized one and they ran multiple. I called and spoke to a supervisor before the second inquiry was processed and asked Capital One not additional hard inquiries in the first place and Capital One ran a hard inquiry anyway. 

XXXX : CAPITAL ONE/BASS PRO ( Bank ) XX/XX/2021 CAPITAL ONE/BASS PRO ( Bank ) XX/XX/2021 XXXX : CAPITAL ONE/BASS PRO XX/XX/2021 CAPITAL ONE/BASS PRO XX/XX/2021 XXXX : CAPITAL ONE/BASS PRO XX/XX/2021 CAPITAL ONE/BASS PRO  XX/XX/2021 Capital One/Bass Pro also preys upon consumers by offering them promotional interests rates, promotions but when they take longer to process the application, they don't apply the promotion to the consumer 's account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed accounts, no reasonable procedure was performed it is a violation to my rights to claim that an accounts has been resolved if I didnt resolve it and its still reporting inaccurately. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed accounts below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 


Due to no response for more than 60 days I would like these accounts removed from 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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed accounts, no reasonable procedure was performed it is a violation to my rights to claim that an accounts has been resolved if I didnt resolve it and its still reporting inaccurately. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed accounts below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 


Due to no response for more than 60 days I would like these accounts removed from 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 non-monetary relief
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the item in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: IN

Complaint narrative:
I filed a dispute with cashapp ( square Inc. ) On XX/XX/XXXX for several unauthorized transactions on my cashapp account totalling {$2200.00}. There were 2 merchants XXXX and XXXX XXXX XXXX. The transactions occurred from XX/XX/XXXX thru XX/XX/XXXX. I was told when I filed the dispute I would receive an update within 10 business days however I still have not received anything at all and when I go to the chat help in the app they are no help at all. They only repeat " the dispute was sent to the correct department. '' I have asked for a phone number or email or to speak with someone else that can help me but they say they don't have anymore info and to watch my email. I truly don't know what else to do. I am repeatedly ignored and my questions are never answered. There have been a couple of times when the rep has disconnected in the middle of speaking to them after waiting 2 hours or more for for someone to respond. Any help you can offer would be greatly appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i XXXX XXXX XXXX XXXX consumer did not consent to, authorize nor benefit from any of the following inquiries which is identity theft, Block and remove them immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am the natural consumer XXXX XXXX, completing this report by myself, with no help from any organization or other person. 

I did not consent to Authorize nor benefit from this account. 

Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of I never provided written to any agencies to report on my behalf. This is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
XXXX XXXX is my name the account is with XXXX XXXX XXXX the last four of the acct number reporting negatively on my bureau report is 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 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: AZ

Complaint narrative:
On XX/XX/2021 I received an unsolicited debit card from NetSpend with my address and someone else 's name, XXXX XXXX. I never requested or applied for this card. 

Last month I received a card with a male 's name ( last name XXXX ) on the card, but never opened the envelope. I just shredded it after contacting the company 's customer service number and explaining the situation. I asked to be removed from any mailings and explained that nobody with that name lived here. 

I am submitting this complaint because this is the second unsolicited card I received and it has someone else 's name linked to my address.

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