vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am writing to formally submit a complaint regarding an issue I am experiencing with Square , Inc. My Square account has been randomly locked, and I have been unable to access funds totaling approximately {$300.00} from a business transaction I completed. Despite multiple attempts to resolve this issue directly with Square, they have not provided any additional information or verification of my identity, leaving me without access to my money.

Details of the Issue : Company Name : Square , Inc. 
Account Balance : Approximately {$300.00} Date Account Locked : XXXX XXXX I have tried to contact Square 's customer support through various channels, including phone and email, but have received no satisfactory response. They emailed me on XXXX XXXX stating they can not give me any additional information on why the account was locked or help me any further. Furthermore, I have called and can not get through to anyone as the answer machine told me the representatives can not help me because my account has been locked. They have also locked the transfer option, and I am unable to link my bank account to withdraw my funds. 

Attempts to Resolve : Contacted Square Support via phone and email on multiple occasions. 
Provided all requested documentation to verify my identity. 
Reached out to Square on social media platforms.

Despite these efforts, Square has not provided a resolution or a clear explanation for the account lock. This has caused significant inconvenience and financial strain.

I am seeking assistance from the Consumer Financial Protection Bureau to help mediate this dispute and facilitate the release of my funds. 

Please let me know if any additional information is required. I appreciate your attention to this matter and look forward to your assistance in resolving this issue promptly.

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

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them 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 2024-08-08 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : 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 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 2024-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The list of fees is misleading, as it shows no fees -- but the fee is in the exchange rate itself. Because it's hidden I can't compare to other banks

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 2024-08-08 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: OK

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

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

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

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 2024-08-08 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Asset Management Systems Inc
State: MI

Complaint narrative:
FAMS contacted me in XXXX, harassing me to pay them for a debt that was not validated ; they even threatened, stating, " They are going to garnish my income if I do not pay them. '' Out of fear, I paid them {$340.00} to settle this account because I was unaware of my protections in the FDCPA, Michigan consumer protection laws, and the CFPB regulation F rights. On XX/XX/year>, I communicated with FAMS and spoke with an agent named " XXXX XXXX '' informing her that I was inserting my consumer protection rights and that I demanded a refund because this company violated the FDCPA ( 15 USC 1692 et. seq. ), Michigan consumer laws ( MCL 445.901 et. seq. ) and Regulation F ( 12 CFR Part 1006 et. seq. ) ; this company is not licensed to collect a debt in XXXX as XXXX XXXX requires it of Licensing and Regulatory Affairs according to XXXX XXXX XXXX XXXX see attachment for proof. These deceptive and unfair practices have caused significant damages that have caused me not to be able to feed my children and pay bills, including statutory damages. I do not owe this company, and this company misrepresented the amount that was alleged to be owed to them, all while using threatening subterfuge tactics for their gains. I informed the agent on the call I would be filing a CFPB and XXXX  Attorney General complaint. Therefore, CFPB, I will contact my state 's authority ( XXXX ) and the XXXX XXXX XXXX regarding this issue. XXXX 's failure to honor my fair resolution of the complaints will leave me no choice but to pursue legal action in federal court. Thank you.

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

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 2024-08-08 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-08-08 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: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-08 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: LEXISNEXIS
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX rouser XXXX XXXX Lexis nexus stated this account belong to me. How is this accurate. I never applied or authorized this account. The name listed is completely different from my legal name. I have not Authorize this account you did not verify that I authorize this account or verify this account because if so, it would show that I did not authorize this account. This account is not in my legal name. This is a fraudulent account. 


THE NAME LISTED IS WRONG!!!!!!!!!! I AM NOT XXXX XXXX

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

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. 

Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 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 XXXX 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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: OK

Complaint narrative:
I purchased a vehicle in XXXX of XXXX and financed through American Credit Acceptance. I have made payments every month for XXXX years, no late payments. My payments are {$560.00} / month so in total I've paid over {$12000.00} and my loan balance has only decreased by {$2000.00}. 
I went to trade the vehicle this week and the dealership told me my car was reported on my credit as a " loss due to natural disaster '' and has affected my credit for the past XXXX years. I haven't gotten anywhere with American Credit Acceptance and my credit report is wrong and I'm not sure if they've been applying my payments to my loan correctly. I think this was an intentional write off by the company to acquire COVID relief money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RESOURCE MANAGE Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$370.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX {$370.00} XXXX updated XX/XX/XXXX Reason : Not this account is not validated. Unverifiable account/ Incompleteness/ not verified and this account XXXX reporting illegal information that is not FCRA or FDCPA 15 usc 1692c , 15 usc 1692g ( b ), 15 usc 1681i ( a ) ( e ) Action : REMOVE and update payment history immediately. ( 15 usc 6801 ) Protection of nonpublic personal information ( a ) Privacy obligation policy, and ( b ) Financial institution safeguards According to XXXX XXXX XXXX XXXX, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), 15 usc 1666. Delete ACCOUNT from report, due to unverifiable/ and lack information. Fair Credit Billing Act ( FCBA ) Purpose : To protect consumers from unfair billing practices and to provide a mechanism for addressing billing errors.

Key Provisions : Consumers can dispute billing errors on their credit card accounts and withhold payment on damaged goods or services purchased with a credit card.

Equal Credit Opportunity Act ( ECOA ) Purpose : To prevent discrimination in credit transactions. 
Key Provisions : Creditors can not discriminate against applicants based on race, color, religion, national origin, sex, marital status, age, or because they receive public assistance.

Fair Credit Reporting Act ( FCRA ) Purpose : To ensure the accuracy, fairness, and privacy of consumer information contained in the files of credit reporting agencies.

Key Provisions : Consumers have the right to access their credit reports, dispute inaccurate information, and have erroneous data corrected.

Section 611 ( a ) ( 5 ) ( B ) ( i ) : Certification of Accuracy of Information.

15 U.S.C. 1681e ( b ) : Compliance Procedures.

15 U.S.C. 1681i ( 5 ) : Reinvestigations of Disputed Information.

15 U.S.C. 1681b ( 2 ) and 15 U.S.C. 1681s-2 ( F ) ( I ) : Unauthorized Reporting.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( 4 ) ( 5 ) ( I ) ( ii ) : Dispute Resolution.

15 U.S.C. 1681n : Civil Liability for Willful Noncompliance.

15 U.S.C. 1681 Section 602 : Right to Privacy.

15 U.S.C. 1681 Section 604 ( a ) Section 2 : Unauthorized Furnishing of Accounts.

15 U.S.C. 1666B ( a ) section ( b ) and 15 U.S.C. 1637a ( a ) : Incorrect Treatment of Late Payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

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 : XXXX - XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: EQUIFAX, INC.
State: OH

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

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

Complaint narrative:
Subject : Dispute of Fraudulent XXXX XXXX Account Reporting on My Credit Report Due to Equifax Data Breach Dear Equifax, I am writing to dispute a fraudulent XXXX XXXX account that is currently reporting on my credit report. I believe this account was opened as a result of the Equifax data breach, which compromised my personal information. This fraudulent account does not belong to me, and I request its immediate removal from my credit report. 

Details of the Disputed Account : Creditor Name : XXXX XXXX Date Reported : XX/XX/year> Reasons for Dispute : Fraudulent Account Due to Data Breach : The XXXX XXXX account listed on my credit report is fraudulent and was opened without my knowledge or consent. Given the timing and circumstances, I strongly believe this is a direct result of the Equifax data breach that compromised my personal information. 
Identity Theft : Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure the accuracy and verifiability of the information it reports. This account is a clear case of identity theft, and as such, it must be promptly removed. 
FCRA Section 605B Compliance : In accordance with Section 605B of the FCRA, I request the immediate blocking of this fraudulent account from my credit report. This provision allows for the removal of information resulting from identity theft when sufficient proof, such as a police report or an FTC Identity Theft Report, is provided. 

I request that Equifax take the following actions immediately : Investigate the Dispute : Conduct a thorough investigation of this dispute under the FCRA, and notify XXXX XXXX of the fraudulent account. 
Remove the Fraudulent Account : Permanently remove the fraudulent XXXX XXXX account from my credit report. 
Provide Confirmation : Provide me with written confirmation that this account has been removed and that any related negative entries have been deleted from my credit report. 
Given the severity of this issue, I expect a prompt resolution. Please contact me immediately if you require any additional information. 

Thank you for your attention to this matter. I look forward to your confirmation of the removal of this fraudulent account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX  Account Number : 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 non-monetary relief