vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 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: NY

Complaint narrative:
I recently noticed an account on my credit report that does not match my name, address, or social security number. The name of the account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately. 

Attached you can see the documents

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On approx XX/XX/XXXX I sold XXXX XXXX, via XXXX XXXX XXXX, a set of XXXX art work. Multiple hand carved wood figurines, mailed the package to XXXX XXXX, I was to get paid through XXXX XXXX, I did not have a current bank account attached, so on XX/XX/XXXX, funds were given to old Chase account, funds removed on XX/XX/XXXX. I am not savvy at technology, so later I found out my old account was linked. I added my husbands XXXX XXXX for payment. I had emailed XXXX support XXXX with no response. Foolishly, I XXXX  XXXX support, got connected with scammers. I was on the phone with them for approx XXXX hrs where they had me upload XXXX XXXX desktop center software, unknown to me, they could see my accounts as we spoke. This was XX/XX/XXXX. 
We first went to XXXX, some how, all this was to get them to give me my {$94.00} I had coming. Then my XXXX XXXX, CASH APP, which they told me to request {$1500.00} from my XXXX, XXXX, see screen shots. The XXXX withdrew the {$1500.00} at XXXX XXXX  on XX/XX/XXXX. I grew increasingly confused as time went by, they asked me to purchase gift cards at XXXX, see XXXX screen shot. I got wise at this time, and my husbands help, disconnected contact. I didn't read off the numbers on the gift cards I purchaed or they would have had the additional {$900.00}. 
Horrified, I called XXXX XXXX XXXX, and went to branch, they instantly, credited me my money back, only to take this back on XX/XX/XXXX, see XXXX. Cash APP, refused my claim, # XXXX. XXXX Police Dept was contacted, XXXX # XXXX XXXX, XXXX XXXX, documented event. I called, emailed XXXX XXXX XXXX, and reported event, i went to branch also to report. 
XXXX card, was contacted. CASH APP x3 after denial of any assistance. I am on XXXX, this is my money to live on, this is a hardship for myself, my family. 
XXXX XXXX XXXX XXXX ID XXXX. 
US Postal service reports that the item was delivered, I reached out to XXXX XXXX, she would not respond to my questions on payment, or if she received the items. 
No response to my multiple emails to XXXX XXXX XXXX. I hope the screen shots delineate the sequence of events decently. 
XXXX allowed me to cash out the gift cards for cash, which was wonderful. 
On XX/XX/XXXX, I called Cash APP, fraud line, spoke with XXXX, reporting, I was contacting you, making a Claim, could they help me? XXXX, reported they could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To Wells Fargo Mediation Program, I am writing to express my grave dissatisfaction with the outcome of our recent mediation call on XX/XX/XXXX, facilitated by XXXX, regarding the criminal actions taken by Wells Fargo against me. 

During the mediation call between me, a Wells Fargo representative, and a third-party mediator, a non-binding resolution was to be reached for the unlawful enrollment committed against me into the Affinion Identity Theft Protection product. This crime was committed on XX/XX/XXXX, and only recently, in XX/XX/XXXX, was I made aware that I was enrolled in such a product. 

What is it going to take for Wells Fargo to STOP committing banking crimes against consumers? A federally regulated institution enrolled me into a product without my consent ; this is fraud to the highest degree! If it were I who enrolled the CEO of this institution into anything without their approval I would be thrown in prison and required to pay compensatory and punitive damages. 

The burden of proof doesnt rest upon me, proofing that Wells has engaged in a criminal conspiracy as the Consumer Financial Protection Bureau already determined they have per their XX/XX/XXXX findings. 

The compensation I have received thus far, totaling {$3300.00}, is absolutely inadequate and arbitrary. 

I am requesting additional compensation as I am rightly owed. 

A prompt response to this matter is due.

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 2024-04-08 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: IL

Complaint narrative:
The information thats on my credit report I didnt not give written or verbal permission to have those item placed on my 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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a notarized report to XXXX XXXX credit reporting businesses ( XXXX, Equifax, XXXX ) in XX/XX/2023 stating I have inaccurate and old information they are reporting. The credit agencies i contacted never responded and is still reporting inaccurate address and employer information. 


My address is inaccurate and is being reported several variations. 
I have ( XXXX ) correct address XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX Previous employers are inaccurate and being reported I DO NOT work at XXXX XXXX XXXX XXXX XXXX Foucs XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I would like these inquiries to be deleted because I did not authorize these companies to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: TX

Complaint narrative:
I didn't begin these requests, and I'm not associated with any of the loan bosses recorded. If it's not too much trouble, remove them from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: TX

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: KS

Complaint narrative:
XXXX XXXX is saying this bill was never paid. I show it was paid. I can not get either XXXX of the credit card companies to explain why this is showing its paid but I am still getting billed and my credit rating is being impacted by the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Five Lakes Law Group PLLC
State: CT

Complaint narrative:
I signed up with Five Lakes Law Group to help me get my credit under control and settle some accounts. At the time, I was not delinquent on anything, but I knew it was getting tough to pay. So we set up a plan and I started paying them directly thinking they would settle with creditors and that would be that. They NEVER said they would not pay any one for months and then tank my credit and even have some put me in collections!! This has been going on for almost 2 years now and there is one particular account still showing on my credit as collections even though on Five lakes it shows they are making payments to them. I have tried to fight it on my credit to say the info is false since payments are being made on it but I keep getting denied. I have demanded that Five Lakes contact the creditor to have them remove it and they tell me that can not, even though it is being paid on! I want it removed from my credit, and I want Five lakes held responsible for their false, misleading objectives, and destroying my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I can not access my Equifax report. I called customer service to notify them that I can not see my report. They told me that nothing was wrong with my report. I checked the Equifax website and it says that my report is blocked due to " promotional purposes ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am following up on a closed complaint with American Express, complaint # XXXX, where they were supposed to have sent a check for {$250.00} for a gift card that did not work anywhere I tried to use it. The check was supposed to show up XXXX business days after XX/XX/24, it has still not arrived. The resolution file with this info is attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-08 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-08 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: TX

Complaint narrative:
I didn't begin these requests, and I have no association with these loan creditors. If it's not too much trouble, remove them from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
I am writing to complain to BSI FINANCIAL SERVICES about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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