vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
My name is XXXX XXXX. I live in XXXX and work as a XXXX XXXX. I wanted to do e-commerce for the side hustle and I wanted to open an account with XXXXXXXX XXXX XXXX. I tried to open it by myself but my application got rejected. So I went to XXXX. since there are a lot of freelancers who help open accounts. So I message one person on XXXX  to open XXXX XXXX XXXX account. In the beginning he told me to send him {$400.00} dollars to start the process. I sent {$400.00}. After sometime he messaged me saying that I need two softwares and each cost {$200.00} for the store that's necessary. After sometime he says I need to deposit {$1000.00} fund in the XXXX account. He says it's a part of process and I will get my money back when it gets approved. Then he says we need to buy insurance. I paid him for insurance. And then he says we need to buy a XXXX XXXX  XXXX. When I told him I don't have any more money he said we are in the middle of the process and if I can't send the rest of the funds, all the money spent and work we've done so far is wasted. Every other day he would come back with a new issue and he kept asking for more and more money to finish the process. And when I stopped sending him money he deleted his account. 
After this, another guy started messaging me saying he is working in XXXX as a developer and will help me finish my project if I send him the money directly. At this point I realized that I got scammed. 
I contacted PayPal and explained my situation, explained that this was fraud and I never received the product and service I was promised for the money I paid, however they refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: GA

Complaint narrative:
I am filing a complaint with the EQUIFAX regarding inaccurate reporting and fraudulent accounts listed on my credit report. Upon reviewing my credit report, I discovered multiple accounts that fraudulently reporting and damaging. These accounts have been inaccurately reported to the credit bureaus and are negatively impacting my credit score and financial well-being. Despite disputing these accounts with the credit reporting agencies, the fraudulent entries continue to appear, indicating a failure to correct or remove the inaccurate information as required by law. This situation violates the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ) and 609 ( a ) ( 1 ), which mandate that credit reporting agencies ensure the accuracy and completeness of the information they report and provide consumers with the right to dispute inaccuracies. Additionally, Section 605B of the FCRA outlines that information resulting from fraud or identity theft must be blocked from a consumer 's credit report. The continued presence of these fraudulent accounts on my report, despite my efforts to correct them, constitutes a violation of my rights under the FCRA and has caused substantial harm to my financial standing. I am requesting an immediate investigation into these discrepancies and the removal of any fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This account is not validated. Also this is a third party that is posting late pays currently

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: AL

Complaint narrative:
I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which mandate the removal of fraudulent or unauthorized items from a consumer 's credit file. 
Affected Accounts : US DIST CT - XXXX - XXXX - {$00.00} US BKPT CT XXXX  XXXX - XXXX - XXXX - {$0.00} XXXX - XXXX - XXXX - {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1600.00} XXXX XXXX XXXX XXXXXXXX - XXXX - {$850.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$56.00} XXXX XXXX  - XXXX - XXXX - {$3900.00} Inquiries : XXXX XXXX - XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-11-19 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: AL

Complaint narrative:
I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which mandate the removal of fraudulent or unauthorized items from a consumer 's credit file. 
Affected Accounts : US DIST CT - XXXX - XXXX - {$00.00} US BKPT CT AL XXXX - XXXX - XXXX - {$0.00} 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 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 2024-11-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding discrepancies in the credit reporting of my accounts with XXXX XXXX, specifically the accounts numbered XXXX, XXXX, and XXXX. The reporting of these accounts violates the Fair Credit Reporting Act ( FCRA ), as the information is inconsistent and inaccurate across my credit reports. 

Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to investigate and verify any disputed information within 30 days of receiving a consumers request. Despite my efforts to dispute the negative information related to these accounts, the accounts have not been properly verified or corrected, in violation of the FCRAs standards for accuracy. 

Specifically, the balance discrepancies and late payment history reported for these accounts are inaccurate. Given that these discrepancies are substantial and the accounts have not been properly verified, I respectfully request that the entire XXXX  XXXX accounts ( XXXX, XXXX, and XXXX ) be deleted from my credit reports in accordance with 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies ensure maximum possible accuracy in the information they report. 

Thank you for your attention to this matter. I look forward to your prompt resolution of my complaint.

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 2024-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
XXXX and XXXX of 2024 I sent money to what I thought was a legit company and it turned out to be a scam. I filled out loan documents and everything just to discover that it was an elaborate scam. I attempted to file a dispute with Cash App and without even investigating they denied my claim. I lost over {$800.00}. I filed a police report and everything. I also reported the account to Cash-App only for them to state that they weren't taking any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: DISCOVER BANK
State: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported to Discover Bank, yet Discover Bank is not removing this fraudulent account. Discover Bank has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The following is the fraudulent account : Discover Bank XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Title : Misleading Advertising and Unauthorized Transaction with XXXX XXXX XXXX by XXXX XXXX  Complaint : I applied for the XXXX XXXX XXXX offered by XXXX XXXX  after XXXX advertised it as a way to make purchases immediately with installment options. However, this was misleading. When I tried to use the card after depositing {$200.00}, I was unable to complete my purchase because I was asked for a security code that could only be obtained after receiving the physical card by mailsomething that takes up to 15 days. 

I specifically chose this card based on XXXX claims that I could make purchases right away. This was clearly not true. I reached out to both XXXX XXXX and XXXX for clarification : XXXX XXXX  claimed I needed to wait for the physical card for the code. 
XXXX stated XXXX XXXX  should provide the code immediately. 
This back-and-forth left me unable to use the card for its advertised purpose. 

Key Issues : Misleading Advertising : XXXX promoted the XXXX XXXX as immediately usable, but this was not the case. 
Unauthorized Transactions : Even though I was unable to complete any purchase, XXXX XXXX  somehow processed a {$15.00} XXXX XXXX charge on the account without my consent or authorization. 
Unjustified Credit Reporting : Despite not using the card and attempting to cancel it, XXXX XXXX  reported delinquent payments on my credit report, which caused significant damage to my credit score. 
Resolution Demanded : Immediate removal of negative marks from my credit report by XXXX XXXX. 
Cancellation of any unauthorized charges. 
Compensation for damages caused to my credit score and financial standing due to these issues. 
The entire process has been misleading, frustrating, and harmful. I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), credit bureaus, and other relevant agencies if XXXX XXXX  does not resolve this issue promptly. 
I ntoiced in my credit report the wrong report by XXXX XXXX  on 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 non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Misleading Credit Card Promotion by Chase in Partnership with XXXX Description of the issue : I recently encountered a promotional offer for the XXXX XXXX XXXX  credit card by Chase while attempting to book a hotel stay through XXXX website. The promotion stated that I would receive up to {$300.00} in statement credits for XXXX purchases made with the card. The way the offer was presented clearly implied that the credit could be applied toward the stay I was booking. Based on this understanding, I applied for the card and was approved. 

However, after further review, I discovered that the {$300.00} statement credit is only applicable to purchases made after the card is received, which takes 710 business days to arrive. This timeframe made it impossible to use the credit for my immediate reservation. The promotion was misleading and did not disclose this critical limitation upfront, leading me to believe it could be applied immediately. 

As a result, I am now responsible for an annual fee on a credit card I would not have applied for had the terms been properly disclosed. Additionally, closing the card to avoid the fee would negatively impact my credit score. I believe this promotion was deceptive and misrepresented the actual terms of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: DC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-19 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-19 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 the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I invoke my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which mandate the removal of fraudulent or unauthorized items from a consumer 's credit file. 
Affected Accounts : XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} Inquiries : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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 the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I invoke my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which mandate the removal of fraudulent or unauthorized items from a consumer 's credit file. 
Affected Accounts : XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$0.00} Inquiries : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 2024-11-19 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: IA

Complaint narrative:
This Matter Is Involving XXXX Loans on my credit report. 
From : US DEPT ED XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX On my credit report These 2-loan account show that I am current of my payments which is incorrect. Also, on my credit report it states that i started making payments in the year of 2022 which is also incorrect. 

I Contacted the loan issuer directly and was informed that I have never made payments on these 2 accounts. And That In fact these 2 loans have never made it out of default. I Was Also Informed that a Fesh Start or a Repayment Program has never been set up. I have been provided documents that coincide with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I called the FBNO customer service number to cancel my card. They verified me, but since they could not send a text to my phone, they locked my account and would not help me. I called again with a different agent and it was the same problem. 

I want to close my account. There is no link in the online account to do this, and the phone agent deliberately locked my account to prevent me doing this. 

This game is rigged to keep people from cancelling their accounts or receiving customer service.

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 monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: NC

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, an unauthorized account has appeared on my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account. 
Fraudulent Account to Be Deleted : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$3200.00}

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