vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Date of Birth : XX/XX/1990 Experian XXXX XXXX XXXX XXXX, TX XXXX Greetings, In am writing this letter to express my concern about my credit report being blocked and unavailable. Per the Fair Credit Reporting Act my credit report must be 100 % accurate and verifiable. I have provided my ciorrect and accurate information below : Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/1990 Social Security Number : XXXX If there is any MISMATCH personal information DELETE any information that can not be verified as blatantly outlined in the Fair Credit Reporting Act. Failure to make my credit report available will result in legal action against your company for WILLFUL NON-COMPLIANCE. I have also notified the CFPB of your erroneous actions. 


With Kind Regard, XXXX XXXX XXXX XXXX. 

( I have not provided my signature in order to avoid duplication in the re-investigation process )

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 2023-07-04 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: U.S. BANCORP
State: MI

Complaint narrative:
I have tried numerous times to contact this company by the name of Elan Financial. They claim to have a credit file on me, however I have absolutely no knowledge of this company. Also, I have never given this company permission to use any of my personal information. Any personal information that this company have has been obtained illegally. This companies address is XXXX XXXX XXXX XXXX XXXX, MO XXXX. I don't even live here or have ever traveled to this state. 

I have contacted this company numerous times to validate the account that they have on file with me and they refused to talk to me. I contacted this company on XXXX. I want this removed off of my credit imediately.

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 2023-07-04 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: GA

Complaint narrative:
XX/XX/2023 I contacted this company again regarding them reporting inaccurate information on my credit report and I was told that someone would call me back. I have attempted to make several calls to this company but no one has been able to provide me with the information but has threatened no to remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2023 I contacted this company again regarding them reporting inaccurate information on my credit report and I was told that someone would call me back. I have attempted to make several calls to this company but no one has been able to provide me with the information but has threatened no to remove the information 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 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX  # XXXX Account XXXX  XXXX XXXX # XXXX Account XXXX # XXXX 15 U.S.C 16881 section 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A Section 2 : IT Also state 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 CONTAINIG ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTION OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAT 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act, Experian Information Services is violating my rights by reporting two accounts, XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) on my credit report. These listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) have violated my rights under 15 U.S.C 1681 section 602 A. which protects my right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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. Experian Information Services have reported the above fraudulent accounts without any written instruction and or contracts containing my signature as a form of agreement to my credit report. 

XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) accounts have been disputed with Experian Information Services multiple times, with evidence of sealed, certified letters with USPS receipts. Experian Information Services has failed to conduct an honest and thorough investigation with proof of verification in regard to the above-listed accounts. Experian credit bureau provided a standardized, template response as a result of all my disputes over a three-year period, without evidence of the validity of the aforementioned accounts. The aforementioned accounts have not been verified with a legitimate signature or my written instruction to report on my credit. XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) are inaccurate and do not belong to me, constituting a violation of my rights as a consumer. XXXX and XXXX XXXX have removed these accounts from my credit report, Experian Information Services needs to do the same. 

As a result of Experian Information Services violating my rights by reporting the aforementioned accounts and violating my rights as a consumer, I demand these accounts ( XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) be removed from my credit file immediately.

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 2023-07-04 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: CA

Complaint narrative:
On XX/XX/XXXX : I received a {$36.00} payment from a friend via CashApp. This same day, I attempted to transfer the {$36.00} to my bank account, only to receive an error message stating that I have " {$0.00} to transfer. '' The following message also appeared on the email notification I received after getting the payment from my friend : " Due to an issue with your bank account, these funds were deposited to your Cash App. '' I was required to " Accept '' the {$36.00} payment within the Cash App, which I did. 

I still received nothing. 

On XX/XX/XXXX : I attempted to transfer the {$36.00} again, and still got the {$0.00} error. I initiated a chat with a support agent through the app for help with this problem, and was told that it basically comes down to bank processing times, so I may have to wait to receive the funds the following week. I waited until the next Monday to try again. 

On XX/XX/XXXX ( Monday ) : I checked the app to still see a {$36.00} balance and no transfer to my bank occurred. In an attempt to troubleshoot, I tried troubleshooting, as suggested by a CashApp representative unlinking and relinking my bank account to no avail. I connected my debit card, and the transfer still would not work. Thinking it was perhaps because I didn't have a Cash App Card, I completed sign up to receive this card still for the transfer to not work. 

In an attempt to further troubleshoot, I initiated a transfer of {$36.00} to a friend, rather than my bank account, and when presented with the option of sending from my Cash App Balance or My Bank Account, I chose Cash App Balance, but the transfer took {$36.00} from my Bank Account! 

I have reached out to support no less than 10 times since XXXX, in an endless cycle of my case supposedly being elevated to another department, waiting to hear back from them within a weeka time only to have my case closed, then having to call to reopen it again. It is now XXXX. The app always shows {$36.00} in my App balance, but I can not transfer it, as I am constantly told I have {$0.00} in my App balance. 

To make matters worse, I am seeing dozens of claims from others across social media and the internet with very similar complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: OK

Complaint narrative:
I have recently been working with XXXX XXXX XXXX  to refinance my loan. When it came time to submit my loan to a title company for property title as required by my State ( Oklahoma ), they determined that another company called Village Capital created a loan and submitted it to a title company, preventing XXXX XXXX from submitting this for closing. I worked with XXXX XXXX from XXXX XXXX to get this action cancelled and notify the title company that I did not authorize Village Capital for this action. 

It appears that Village Capital created documentation on XXXX XX/XX/2023 for a refinance loan for me without my permission. I did not sign or authorize documentation for Village Capital and I did not request them to pull a credit report, I feel this is fraud and there should be some investigation into how this was done without my knowledge or authorization, and that Village Capital should receive some kind of retribution or punishment. 

Village Capital & Investment, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) 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 2023-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diaz & Associates, Inc.
State: TX

Complaint narrative:
Diaz & Associates, I don't have dates. Keeps checking my credit report on XXXX. Several calls this year, threatened to have authorities serve me with legal documents. Various calls from different states, always leaving messages to call back with ID number. I don't owe anything. 

Diaz & Associates , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Received phone call from an individual claiming to be calling from the XXXX XXXX Fraud line. The number displayed on my phone was the XXXX XXXX Fraud number as I verified that. He already had access to my account information leading me to believe he was a legitimate agent. The individual asked if I had authorized any bank transfers to an individual who was repairing my roof. I had not. He then told me he would help to intercept the attempts by setting up dummy wire transfers and directed me accordingly. Two such wire transfers were done from my XXXX XXXX saving account to a XXXX Account and individual. Likewise he instructed me to do the same thing from a PayPal account. The total $ were {$26000.00}. I have notified XXXX XXXX and they are investigating this. They provided me with this information and also suggested that I submit a police report. 
I have since changed my online access. 
He claimed his name was XXXX XXXX from XXXX North Carolina. The phone number he provided did not ring through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one sent a email stating they closed my account on XX/XX/2023 all because I exercised my FDIC reg e rights and filed a dispute, they also stated I would have no use of my funds and have to wait 45 days for claim to complete. I sent a complaint to their complaint email on XX/XX/2023 expressing my concern that my right address needs to be confirmed Incase of a check sent due to severe financial hardship Caused by the dispute process and me living couch to couch not being able to afford my rent because I had no access to my funds. 47 days passed since I sent a complaint which I received a confirmation email and they failed to respond or even send me any type of email updating me on dispute process which at this point 45 days has well passed since I filed dispute. I called on XX/XX/2023 to get an update I was informed that all my claims were approved and that a check was processed on XX/XX/2023 and I should wait until 7-10 business days from that date and I then expressed that any day I will no longer be at the address they had because I was moving and the representative stated if you don't receive your check just call us back so on XX/XX/2023 I called and spoke with a manager stating I did not receive my check and that I changed my address she then proceeds to tell me that i may have to wait 90 days!! to receive a new!!! check and I'm just going to leave it at that! I have already been waiting 60 days for my funds that I was suppose to have access to anyway during the dispute process and you mean to tell me due to capital ones negligence and sending a cashier check with no tracking or confirmation of address and for them to know what could happen if check is not received I will possibly have to wait another 90 days which will equal out to almost half a year all from me exercising my rights! No way!! if I do not receive a replacement check within this next week I will be homeless and left with no choice but to take legal actions I have tried to reconcile with capital one multiple times and they just seem to not care about their customers so maybe their regulator has some sense and will step in and put them back on probation!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04 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: TX

Complaint narrative:
It was already reported that the following account isn't my account, and it was removed from my XXXX and XXXX accounts, so I am confused as to why Experian is reporting it. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report. This account was removed due to my FTC report and proof of my information being involved in a data breach. Not only are you reporting an unverified account, but you are also reporting a different collection agency name, account number, and the balance is off by {$1.00}. It doesn't matter if it was off by XXXX cents you should be reporting accurate information and this alone is a violation in which I can take you to small claims court. At this time, I am only asking for the removal of the account and not monetary compensation. Attached is the FTC report where that I filed in XXXX. You will see that the collection agency on the FTC report is different from what is now reporting. The account on the FTC report is XXXX XXXX XXXX ( XXXX XXXX ). You will also find attached the CFPB complaint where XXXX informs me that this unverified account was deleted.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS must remove any items no later than 4 business days after receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXBalance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX XX/XX/2023.

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 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04 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: CA

Complaint narrative:
First attempt to resolve this issue was not effective and continues to be in violation. By law consumer reporting agencies has 4 days to remove accounts relating to identity theft. Consumer reporting agencies must follow state and federal regulations and codes including under FCRA and Privacy Act. XXXX XXXX is an account showing on consumer credit report is in violation of the FDCPA, Privacy Act, FCRA, as well as section 5 of the FTCA. Consumer demand this account to be removed immediately as consumer has already filed identity claims and other complaints against said company. Consumer will file suit against credit reporting agencies who fails to take consumer claims and immediately address them. Consumer will also seek remedy according to violations in continuing to report inaccurate and invalidated fraudulent information.

Company response to consumer: Closed with non-monetary relief