vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 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: DAS ACQUISITION COMPANY, LLC
State: MO

Complaint narrative:
I have ( 4 ) inquiries on my credit report that I did not authorize. 

Company : DAS ACQUISITION COMP via XXXX XXXX Date : XX/XX/2023 Company : DAS ACQUISTION COMPA via XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX via XXXX XXXXXXXX XXXX Date : XX/XX/2023 Company : XXXX via XXXX Date : XX/XX/2023 I have filed an identity theft report on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: CA

Complaint narrative:
Hello my name is XXXX XXXX, and this complaint isn't under any influence of anyone else and this is not a third party. I have been disputing an incorrectly reporting account on my Equifax report, as well as unknown inquiries on my Equifax and XXXX reports. This derogatory account is not on my XXXX or XXXX reports. I am trying to start a business and in order to get funding I want to make sure my credit is being ACCURATELY REPORTED. I have disputed this account and inquiries MULTIPLE TIMES with no fix. I tried calling on the phone but was met with a foreign representative in the fraud department. I asked to speak to an American representative but was put on hold for HOURS. Something is wrong with these bureaus. I do not understand why they are abusing consumers XXXXThey kept lying telling me they disputed it and its not reporting but it kept reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the inquiries and it's been XXXX  days and they record the calls and admitted they had my police report and FTC and affidavit. That was after attempting to contact XXXX more than XXXX times. These companies are supposed to be protecting consumers. They need to be corrected and I wish they would listen. they are causing me severe XXXX and stopping me from getting funding for my business which is horribly stressful PLEASE HELP I'm extremely frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Experian regarding their persistent failure to remove inaccurate and damaging information from my credit report. This inaccurate information pertains to a false address listed on my credit report, which is having a detrimental impact on my financial standing. The address in question is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I must emphasize that I have never resided at the aforementioned address. In reality, this address corresponds to a XXXX Retail store located in a shopping center in XXXX, XXXX. My legitimate and only address is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have made multiple attempts to rectify this issue by contacting Experian through various means, including written requests and emails. Unfortunately, Experian has been unresponsive to my concerns and has repeatedly provided automated responses, refusing to take any action to remove the false address from my credit file. 

This false address is adversely affecting my creditworthiness, causing unjust harm to my financial stability and preventing me from securing the loans and financial opportunities that I deserve. I believe that Experian 's actions, or lack thereof, in this regard are in direct violation of the Fair Credit Reporting Act ( FCRA ). 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take the necessary steps to compel Experian to correct this error on my credit report promptly. I also request that Experian be held accountable for any potential violations of the FCRA in their handling of my case. I have attached proof that the alleged address is NOT a residential address but a XXXX retail store in a shopping center. XXXX it and call the store! How could Experian miss the obvious? 

I appreciate your attention to this matter and your assistance in resolving this issue. Please find enclosed the supporting documents, including copies of my correspondence with Experian and any other relevant materials. 

Thank you for your prompt attention to this complaint, and I look forward to a favorable resolution to this matter.

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 2023-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have ( 4 ) inquiries on my credit report that I did not authorize. 

Company : XXXX XXXX XXXX via XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX  via XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX via XXXX XXXXXXXX XXXX Date : XX/XX/2023 Company : XXXX via XXXX Date : XX/XX/2023 I have filed an identity theft report on this.

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 2023-11-08 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have ( 4 ) inquiries on my credit report that I did not authorize. 

Company : XXXX XXXX XXXX via XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX via XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX via XXXX XXXX XXXX  Date : XX/XX/2023 Company : XXXX via XXXX Date : XX/XX/2023 I have filed an identity theft report on this.

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 2023-11-08 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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am filing for bankruptcy and Portfolio Recovery continues to contact both myself and my wife. I have given them my lawyers contact information and told them that any further communication should go through them. When they call I tell them again that all communication needs to go though my lawyer, they say they wont be able to continue the call until they verify my information and keep saying that over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX XXXX  I sent {$500.00} through Zelle on my XXXX banking app. The payment was sent to an email address ( XXXX ) with my brother XXXX XXXX listed.When I found out that the payment was not received, I called XXXX and asked them why my payment didnt go through. They said it did go through, when I asked who it went through to, they told me they could not give me that information. When I tried to contact Zelle, they told me any disputes must be taken up with chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX I was ripped off by a " XXXX XXXX XXXX XXXX  the item I ordered was not what I had ordered. It was a bait n switch tactic - I returned the item to the merchant had to send it internationally. I have submitted all the documentation to PayPal Mastercard for the claim. PayPal keeps telling me that they have not received the documents that I have faxed to them twice. The fee is still on my account and they are ruling in the the merchants favor.

My issue is that the item has been returned to the merchant and I should not be liable for the charge as I do not have the merchandise. It has been returned and the Merchant is a fraud all online reviews are showing that it is a scam from 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 monetary relief
Consumer complaint received 2023-11-08 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: CA

Complaint narrative:
First of all, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. As you can see, I am keeping careful records in regards to this matter. It has been well over the 30 days allowed by federal law for you to respond. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FTC. Perhaps this is just an oversight or result of high volume of the requests you receive daily. I highly doubt an agency that is responsible of maintain accurate information would neglect to follow the laws that govern them on purpose. So I will extend you the benefit of the doubt. Im sure youll want to tend to my request as soon as possible. To recap it all for you the following needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor XXXX XXXX  ) XXXX. Please delete these fraudulent accounts from my file ASAP.

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 2023-11-08 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have contacted XXXX multiple times and filed two separate disputes to correct the error. I also requested and received a letter from the bank showing the account was paid in full with a XXXX balance. This letter was upload to XXXX via the XXXX portal. 

The second dispute was completed and the information remains unchanged, even with proof of their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one is not reporting accurate information to the consumer reporting agencies. see attachment below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: CA

Complaint narrative:
First of all, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. As you can see, I am keeping careful records in regards to this matter. It has been well over the 30 days allowed by federal law for you to respond. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FTC. Perhaps this is just an oversight or result of high volume of the requests you receive daily. I highly doubt an agency that is responsible of maintain accurate information would neglect to follow the laws that govern them on purpose. So I will extend you the benefit of the doubt. Im sure youll want to tend to my request as soon as possible. To recap it all for you the following needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX. Please delete these fraudulent accounts from my file ASAP. Also, I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. Please investigate the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: EQUIFAX, INC.
State: MA

Complaint narrative:
in accordance with the fair credit reporting has violated my rights act # 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 15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 section 602A section 2 states a consumer reporting agency can not furnish account without my writteni instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: Block, Inc.
State: MI

Complaint narrative:
I made a purchase at XXXX XXXX on XX/XX/XXXX at XXXXXXXX XXXX, using my Cash App card with the last four digits " XXXX. '' The total amount was {$47.00}, and I was assured a refund. According to the given timeline, the latest date for the refund to be processed should have been XX/XX/XXXX, considering a maximum of ten business days, excluding weekends and holidays. 

However, as of XX/XX/XXXX, I have not received the promised refund. I have been in constant communication with the merchant, XXXX XXXX, who informed me that they have been escalating the issue and that someone would reach out to me by the next business day. Unfortunately, I have not received any follow-up calls as promised. 

I have reached out to XXXX XXXX ' XXXX delivery support multiple times, and each time, I am told to wait another 7-10 business days for the refund to be processed. Despite disputing this matter three times, I have not received my money back. Ive also tried to dispute this issue with cash app and Ive been denied four times.

I have attached screenshots of relevant dates, receipts, and reference numbers for your verification. I kindly request your assistance in resolving this issue and facilitating the return of my funds. Your prompt attention to this matter is greatly appreciated. Thank you. 

I've already lodged a complaint with the XXXX XXXX XXXX but they were unable to assist. Cash App has repeatedly rejected my disputes, claiming that my payment method aligns with the merchant 's policies. While I did make the initial transaction, I was promised a refund that has not been delivered, and I have emphasized this in each of the four disputes I've filed. Today, at XXXX XXXX Cash App began blocking transactions from my account, which I consider to be unethical and unjust treatment of their customers. Once I receive my refund, I intend to sever ties with them and share negative reviews about their service wherever possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights.

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

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 2023-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: WI

Complaint narrative:
I order online XXXX phone service with phone 4 line but I revive only XXXX phone in mail I contacted XXXX explain they tell me they send me another 4 phone and give credit for the next bill. but next day I don't like service and call customer service cancel service and return all 3 device. but they still charge me the 4 device that device I don't receive. I call serval time but the custemer service is out of country very hard to explain them. because very poor customer service my i.c system, inc account no. XXXX i.c. reference XXXX please help about matter the keep sending collection notice in mail I am so disponted thank you very much.

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 2023-11-08 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: Security Credit Services, LLC
State: AR

Complaint narrative:
This company trying to collect on debt that I have no knowledge of and I never done business with this company XXXX XX/XX/2023 I asked to provide me proof that I have done business with the company copy of contract and social security number and date of birth copy of picture Id.

Company response to consumer: Closed with explanation