vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-07 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: OH

Complaint narrative:
Disputed accounts on credit file That are not mine. Proof of ownership has not been verified. These accounts listed on file do not belong to me. I havent been given any proof of ownership

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 2022-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Disputed accounts on credit file That are not mine. Proof of ownership has not been verified. These accounts listed on file do not belong to me. I havent been given any proof of ownership

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 2022-08-07 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: OH

Complaint narrative:
Disputed accounts on credit file That are not mine. Proof of ownership has not been verified. These accounts listed on file do not belong to me. I havent been given any proof of ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc.
State: NJ

Complaint narrative:
For at least the 4TH TIME in the past several months, a FRAUDULENT UNAUTHORIZED ACCOUNT has been opened at Square Inc in the name of a member of my household, without our permission ( twice in my name, twice in my wife 's ). 

Square customer support has for the most part been unhelpful in resolving these issues. They ask us to login and close the account ourselves, which we can not do since we didn't open the account and do not have the login credentials. Or they tell us they will investigate, but they do not provide assurance that the accounts will be closed or follow-up to confirm whether or not that has happened. 

They are putting our identity at risk, repeatedly. A fraudster could currently be using one or more bank accounts in our names. 

We have asked them each time to close the fraudulent account, and we have also requested that they stop opening fraudulent accounts in our names. 

This past week, I received another ( THE XXXX ) Square business debit card, in my name and mailed to my address, for an account that I did not open. Each time this has happened, I have reached out to Square and also filed a new complaint with the CFPB in the hopes that they will finally put a stop to this.

Please help us get Square to close these accounts and assure us that they will stop opening these fraudulent accounts in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I received a notification from XXXX that someone tried to open a new credit application with Macys on XX/XX/2022. It was a match for my name, social security number and date of birth. I am not sure if they were successful but I will call Macys when they open.

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 2022-08-07 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: NC

Complaint narrative:
I've been in touch with all XXXX bureaus since XXXX about my credit reports and have had some success but they problem persists and continues to impede upon my financial health. As a result I have submitted the following complaint to all XXXX bureaus letting them know this : " I continue to review my credit reports regularly and recently noticed some unauthorized accounts. I never instructed your agency to furnish this report nor consented to this report. According to Title 15 USC 1681 ( b ) XXXX, your agency never had a permissible purpose. Under Title 15 USC 1681 ( a ) XXXX, it is clear your agency continues to assume these roles without my consent. 

Your agency continues to violate my right to privacy which, under Title 15 USC 1681 ( a ) XXXX, is protected by federal law. Under this law, your agency is not exercising its grave responsibility, and continues to be unfair and partial ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: NV

Complaint narrative:
I submitted a complaint on XX/XX/XXXX stating that I wanted incorrect information on my report with your company to be removed. I submitted documents confirming the prior deletion of this information with your company and the other bureaus. 

This information was re-inserted onto my report. I requested this information be re-investigated to which your response was a series of vague statements as to the details of the process in which these items are investigated. 

You also asserted that I did not specify which credit furnishers I was requesting to be investigated. I have attached a copy of my report showing prior deletion of information from XXXX XXXX which was opened on XX/XX/XXXX and has a balance of {$21000.00}. 

So to address your requests and concerns, XXXX. NO SPECIFIC CREDITOR XXXX NAME WAS PROVIDED XXXX. PLEASE PROVIDE THE NAME OF THE XXXX XXXX YOU WISH TO RECEIVE A COPY OF YOUR REVISED EQUIFAX XXXX FILE. 

I have attached a copy of my credit report showing the prior deletion of this information. Please comply with my request to remove this information from my report immediately. 

I have also attached a report from XX/XX/XXXX which does not contain this information. 

I have also attached a highlighted version of your response to your previous complaint in which you vaguely detail the process in which you and the credit furnisher verify this said information. I would like more explicit detail as to the verification process employed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
My name is XXXX XXXX and my consumer ID is XXXX. Chexsystems has been sending me letters stating that my disputes have been verified and that they will not remove the credit inquiries from my chexsystems report even though I never attempted to open a bank account with those companies. I want Chexsystems to send verifiable proof that it was me who opened those accounts or to remove the inquiry immediately. 

Remove the following inquiries off my report immediately as I have never attempted to to open an account with them. 

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 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 2022-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I've been in touch with all XXXX bureaus since XXXX about my credit reports and have had some success but they problem persists and continues to impede upon my financial health. As a result I have submitted the following complaint to all XXXX bureaus letting them know this : " I continue to review my credit reports regularly and recently noticed some unauthorized accounts. I never instructed your agency to furnish this report nor consented to this report. According to Title 15 USC 1681 ( b ) XXXX, your agency never had a permissible purpose. Under Title 15 USC 1681 ( a ) XXXX, it is clear your agency continues to assume these roles without my consent. 

Your agency continues to violate my right to privacy which, under Title 15 USC 1681 ( a ) XXXX, is protected by federal law. Under this law, your agency is not exercising its grave responsibility, and continues to be unfair and partial ''.

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 2022-08-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I've been in touch with all XXXX bureaus since XXXX  about my credit reports and have had some success but they problem persists and continues to impede upon my financial health. As a result I have submitted the following complaint to all XXXX bureaus letting them know this : " I continue to review my credit reports regularly and recently noticed some unauthorized accounts. I never instructed your agency to furnish this report nor consented to this report. According to Title 15 USC 1681 ( b ) XXXX, your agency never had a permissible purpose. Under Title 15 USC 1681 ( a ) XXXX, it is clear your agency continues to assume these roles without my consent. 

Your agency continues to violate my right to privacy which, under Title 15 USC 1681 ( a ) XXXX, is protected by federal law. Under this law, your agency is not exercising its grave responsibility, and continues to be unfair and partial ''.

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 2022-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Kikoff Inc.
State: FL

Complaint narrative:
Someone opened an account with Kikoff Lending that I know nothing about. I only know about it because it has made my XXXX XXXX drop over XXXX points. When you call kikoff, they have an answering machine that says to send them an email but no one responded to my email. The account is XXXX  days behind and it started in XXXX but I didn't notice it until it negatively effected my credit score. From what I can tell, it's only a {$24.00} debt. From what I read this company is supposed to help people with low credit improve their credit scores. All XXXX of my credit scores were over XXXX so I wouldn't have applied for that type of service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Card charges from XXXX XXXX XXXX XXXX XXXX  disputed beginning in XX/XX/2022. Charges of XXXX ( XXXX and XXXX deposit and completion of installation ) and XXXX for installation of XXXX XXXX units are disputed due to XXXX XXXX XXXX XXXX XXXX  failure to provide required service on Warrantied units as per contract. Damage to our home have occurred on 2 occasions due to sub-par or no maintenance which is covered under Service Contract. XXXX XXXXXXXX XXXX XXXX XXXX  Warranty and Maintenance Plan clearly states " We perform a comprehensive tune up twice a year and they will replace units under their 2 year satisfaction agreement ''. 

All charges were disputed starting in XXXX and XXXX and I have supplied all documentation requested by Capital One on 3 separate occasions, including an affidavit from the XXXX XXXX XXXX and XXXX XXXX Building Inspector and also an Independent Contractor. The merchant is dishonest and in fact his State License is being taken due to failures in our systems and other clients with similar code violations. I have supplied documentation requested on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in writing and 5 calls have been made with Capital One. Also documents have been supplied via download links XX/XX/XXXX and again XX/XX/XXXX. All requested documents including the Independent Contractor ( XXXX XXXX XXXX XXXX  ) have been supplied to Capital One. XXXX XXXXXXXX XXXX XXXX XXXX  violated both their Guarantee and Warranties and also the law in this state by failure to request permits for installation of the XXXX units.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
Every week for XXXX weeks I have contacted Affirm by phone and email to access my account online. They continually tell me they are updating their records and will email me. I have not been told my account number and have no access to statements. I wish to pay my account off and I am unable to because I do not have my account details. I will not pay over the phone which they keep suggesting when I am not even sure where the money is going. They have never sent me a statement digitally or by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: PA

Complaint narrative:
I filed a dispute pertaining to the incorrect items on my credit report. It has been over XXXX days and I have not received any investigation results.

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 2022-08-07 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: PA

Complaint narrative:
I filed a dispute pertaining to the incorrect items on my credit report. It has been over XXXX days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I opened a credit card with American Express on XX/XX/XXXX. The offer was for 0 % financing on purchases for XXXX months. After I applied and was approved for the card I receive no notice as to being denied or approved for the promotional interest. I wanted to confirm the terms so I chatted with AE on XXXX XXXX. I reached out several times on chat ( below ) and phone and received XXXX internal dispute confirmation codes : XXXX and XXXX. On XX/XX/XXXX I was charged {$270.00} in interest so that was finally confirmation that they were not giving me the promotional rate. On XX/XX/XXXX I was told to wait XXXX business days for the matter to be reviewed. I waited and received no response. When I chatted with AE on XX/XX/XXXX I elevated my complaint to a XXXX but received no resolution other than more delay tactics. The promotion was XXXX XXXX XXXX XXXX with the offer code # XXXX and the offers were supposed to be the following : ( XXXX ) XXXX XXXX bonus XXXX after spending XXXX in first 3 month period ( XXXX ) {$130.00} XXXX XXXX XXXX XXXX XXXX months ( XXXX ) 0 % APR on purchases for 12 months from date of opening and ( XXXX ) plan it fee 0 % introductory fee on each purchase moved to the plan within first 12 months. 

NOTE : the offer I received on a mail flyer had the above referenced code. I have since misplaced the original ( but I did receive the same offer again in the mail and email ) The email that I attached below was for the exact same offer but sent to me on XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I filed a dispute pertaining to the incorrect items on my credit report. It has been over XXXX days and I have not received any investigation results.

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 2022-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: DC

Complaint narrative:
My family and I moved and we paid all XXXX XXXXXXXX two times and at each time XXXX  XXXX would send a refund!! Now Im getting a bill stating that I owe XXXX XXXX XXXX!! We had not been at my old address for over 7 months, so why Im getting a bill?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07 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: DE

Complaint narrative:
While reviewing my credit report I noticed some inconsistencies. I noticed that listed there are 8 open accounts when there should be a total of 9. The XXXX XXXX account XXXX is missing. I also noticed there are closed accounts which is student loans from XXXX which I asked that they be removed because they were opened 12 years ago.. Also a violation may have taken place because the same loans are reporting as re-opened or Re-aged in 2017. I am asking that a full detail investigation is completed and that the accounts are removed as soon as possible. Per FCRA accounts over 10 years max should can be removed ... I also see inconsistencies with XXXX XXXX account XXXX and due to that I am asking that all late charges be removed or the account altogether be removed.. On Experian the balance is being reported as {$9800.00} while on XXXX and XXXX the balance is reporting as {$15000.00}. 
Also inquiries that include XXXX XXXX, XXXX, XXXX, and XXXX XXXX I am asking that they all be removed because I did not request credit with these creditors.. 
Thank You 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 explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
When I first ordered from XXXX I was thrilled. They then issued me credit and I also thought that was great. Then when I tried to make my first payment, the trouble began. I would try to enter my bank or credit card information for payment and it would be rejected!! I then would call the cs dept and they would try and would also not be able to complete the transaction. I would then beg for someone to please tell me why you ( XXXX ) wouldn't or couldn't take my payments, so I sent in a Check, But you returned my check saying it could not be processed!!! When you finally rec 'd my personal check and did accept it, you said I was late!!! This went on until I quit ordering from XXXX just exactly for this reason! And I get a delinquent notice on my credit!!! That is so wrong!!

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 2022-08-07 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: NC

Complaint narrative:
I have submitted disputes to you, and I didn't get a response within 30 days, and you all are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
MY CREDIT CARD APPLICATION WAS DISAPPROVED OF TOO MANY INQUIRIES. 

THE LAST XXXX INQUIRIES WERE ALL FOR THE SAME REASON TO THE SAME PLACE. 

XXXX XXXX, XX/XX/2022, XXXX XXXX, XX/XX/2022, XX/XX/2022, XXXX XXXX, AND XX/XX/2022 ARE ALL FROM XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation