vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-07-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
After reviewing my updated report from the first dispute on the validity of an account i sent, i see that the inaccuracy is still listed on my account. This account is violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Equifax discloses to me all of the documents that they have recorded and retained in their file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that they have in their files that were used to verify them.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that they have on file for the account listed within 30 days of receipt of this letter then they must remove these accounts from my credit report.

They said that they have reinvestigated the accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: GA

Complaint narrative:
I am writing to bring to your attention an unresolved issue I have encountered with Experian regarding incorrect information on my credit report. Despite my initial contact with them on XX/XX/XXXX, I have not received a response to date. I kindly request your assistance in resolving this matter. 

Below, I have outlined the specific details of the inaccurate inquiries on my credit report, along with the required corrections : Unauthorized Inquiry : Company Name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX XXXXXXXX XXXX XXXX of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Request : Please remove these inquiries 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 2023-07-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-07-07 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: Trident Asset Management, L.L.C.
State: GA

Complaint narrative:
I filed in with XXXX and XXXX  to have XXXX XXXX XXXX remove from my account and asked for proof of debt never recieved the information. Showing proof of debt. Since I did not have an account with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
My Mortgage First Bank Florida increased my mortgage payments. due to an error in the tax collectors office. The error has since been corrrected and the bank is refusing to lower my payments. 

I have emailed XXXX XXXX for over a month and he refuses to respond to my email. 

Can CFPB please intervene and assist me with getting my mortgage payments reduced to the correct ammount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was scammed by a merchant to purchase a merchandize online and pay through XXXX XXXX, however I was not given any product in return, the merchant has also disappeared and hasnt communicated with me. I have filed a fraud report with my bank but they have refused to acknowledge it and refund my money. XXXX XXXX has also refused to refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to seek your assistance in resolving an issue I have encountered with Equifax regarding incorrect information on my credit report. Despite my initial contact with them on XX/XX/XXXX, I have not received a response to date. I kindly request your intervention in addressing this matter. 

Below, I have outlined the specific details of the inaccurate inquiries on my credit report, along with the required corrections : Unauthorized Inquiry Company Name : XXXX  Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX  Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX  Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX  Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX  Date of Inquiry : XX/XX/XXXX Request : Unauthorized Inquiry Company Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Request : Please remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I've made the payments, I've had a great track record, they keep calling to make a loan payment, they repeatedly hit my checking account even after I spoke to them. They say that wanted to work with me, but then they just called repeatedly, deducted the money without my knowledge and continue to call. In addition, I racked up more hard inquiries after they told me in writing that I was approved ( after being pre-approved ) for an increase on more then 1 occasion because of by good track record, only to discover that after submitting properb tax documents ( which they would continue to get the amount of my income wrong since I own 3 businesses - they always choose the less of the 3 and would leave it the larger paying business ) and they would turn it down. ( This happened more than once ). The excuse was that I had too much debt per the underwriters. Then how did I get pre-qualified, then submitted paperwork, credit pulled and then approved. I gave them my checking acct info to deposit the check at closing and then they retracted the " approval '' and began deducting payments from my account. 

I am done with them. I will pay them off early by XXXX just for them to stop calling me and I will no longer accept or believe any of their lies about being approved. I am caught up on payments and want them to stop deducting my account and stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

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 2023-07-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Theyve contacted me via email, phone calls Since XX/XX/XXXX they been contacting me multiple times as Ive been working. 
Today XX/XX/XXXX they called me again while Im at work with manipulative and threatening tone. 
XXXX XXXX has contacted me from Phoenix Recovery Group, I have no contract with that company also I do no know who are they to be reaching out to me. 
Ive told them to reach me via mail, yet they still choose to call me. 
15 U.S.C. 1692d

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have made all of my required payments it was a issue with my bank account where it would reflag or say it was insufficient funds I have screen shots if it saying it was a issue but capital one closed my account because of it I tried to show them or provide proof of what I was saying but they told me it was nothing they could do about my situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: AR

Complaint narrative:
I am writing to bring to your attention an unresolved issue I have encountered with Experian regarding incorrect information on my credit report. Despite my initial contact with them on XX/XX/XXXX, I have not received a response to date. I kindly request your assistance in resolving this matter. 

Below, I have outlined the specific details of the inaccurate inquiries on my credit report, along with the required corrections : Unauthorized Inquiry : Company Name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX XXXXXXXX XXXX XXXX of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Request : Please remove these inquiries 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 2023-07-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-07 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: OH

Complaint narrative:
In XX/XX/2023 there was 'suspicious activity ' in my Square account. I contacted Square and they stated they 'closed " the savings account that was opened by a hacker and I reset my passwords. 

Since XX/XX/2023 Square will not transfer my {$640.00} balance of sales from credit card transactions. I used the Square reader to swipe credit cards for services. The transactions are attached and detailed as well as my bank statement that shows the last deposit from Square was on XX/XX/2023. The following is a list if missing transfers to my bank account : XXXX XXXX {$110.00}, XXXX XXXX {$95.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$45.00}, XX/XX/XXXX {$50.00}, XX/XX/XXXX {$90.00}, XX/XX/XXXX {$95.00}, XX/XX/XXXX {$60.00}. 

Every time I call Square I get a different excuse why the funds will not transfer. Most recently they tell me I have to link a bank account to the Savings Account that I did not open or authorize. I argued with them regarding this, but if it meant I can get my money, I went ahead and tried to link an account and keep getting an error message that I can not link a bank account to this Square Savings. Therefore, it is a catch 22, I can not get my funds until I link an account to the savings ( that I did not open ) and I can not link an account to the savings. 

Meanwhile I have been on the phone, emailed a complaint and my balance still has not transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: EQUIFAX, INC.
State: OH

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: AR

Complaint narrative:
I am writing to submit a formal complaint regarding the inaccurate information on my credit report, which I previously brought to the attention of Experian on XX/XX/XXXX. However, to date, I have not received any response from them. I kindly request your assistance in addressing this matter. 

Below, I have provided the details of the inaccurate information on my credit report, along with the required correction : Inaccurate Account Information Company Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Request : The information indicated for this account is imprecise. The reported balance of {$2600.00} is higher than I remember. Additionally, the amount indicated in the Past Due section should be removed, as this account has a closed and charged-off status. Please mark this account as disputed until the appropriate corrections are made.

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 2023-07-07 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: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
XX/XX/2023 I woke to many emails from Bank of America that a checking account had been opened. I dont bank with them and honestly will never. I immediately called and got the account closed, no activity took place yet. Per their advice I froze my credit and changed all my passwords. 

XX/XX/2023, I woke to the same emails or an account being opened, a checking account from Bank of America. I called and took ages to speak to someone who then transferred me to the right fraud department and it immediately hung up on me. To then call back again and have to wait on hold to be told to call a specific 800 number not listed on their website. 

Im appalled that a banking institution would allow a checking account to be opened under a SSN thats frozen.

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