vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-05 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: MI

Complaint narrative:
I have disputed this report ( XXXX ) several times for the inaccuracies Experian has violated 15USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. Experian has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

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 2023-11-05 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: TX

Complaint narrative:
Please Remove and Delete this account immediately as it was opened fraudulently without a valid written signature of original contract. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt with the purchase agreement and has the legal authority to collect it or delete this account. Please help me get this matter resolved. Thank You in Advance for your Cooperation.

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 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc.
State: OR

Complaint narrative:
I am getting extremely frustrated with grain technology. This companys app does not work and now they have reported me as delinquent on my credit. I am unable to pay via card, Im unable to change my bank information. It is almost impossible to make any type of a payment with this company. They do not respond to you and I have reached out to them dozens of times. Currently, Im trying to make a payment on their pathetic app, and I click on the pay now button and absolutely nothing happens, they keep on telling me that they sent deposits to my bank, my bank has never received them. And now they are damaging my credit by saying Im 150 days delinquent when Im unable to even do any type of business with them. This is an absolute scam with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I recently won a default judgment recently in the XXXX  XXXX XXXX XXXX against the XXXX  XXXX XXXX XXXX XXXX XXXX in XXXX at $ XXXX to $ XXXX. See attached. 

I went to XXXX University XXXX, and I think that I will get around $ XXXX from the breach of contract. 

I am wondering if you can get a loan for $ XXXX or more, or what you may allow. 


XXXX XXXX. XXXX ( XXXX Cong. ) ( XXXX ) found lawless persecution by terrorism for XXXX 's XXXX XXXX as a descendent of XXXX XXXX XXXX XXXX I and XXXX I because XXXX is XXXX the Top 1 % of the United States net treasury contributors . 42 U.S.C. 1981, 1982, 1985, & 1987.

The contracts-in-law ( United States Constitution, applications, other powerful contractors, etc. ) ministerial duty requires WellsFargo to help assuage and bring to an end this persecution. WellsFargo is a fellow contractor with XXXX XXXX XXXX XXXX through the XXXX, its local businesses that it represents, and the United States, the XXXX ego ; good faith and fair dealing requires reasonable performance per my disclosure to you. Third-parties can enforce contracts. WellsFargo has a corporate duty as a quasi-governmental entity to aid XXXX 's judicial victory. 



XXXX XXXX the Clerk of Court can verify the court, and his honors phone number and website are below. 

Phone : XXXX XXXX XXXX XXXXXXXX Please e-mail me back, and I will be able to call you. 

I've had over {$200000.00} probably in loans for XXXX XXXX  and XXXX XXXX XXXX XXXX, and they are paid off. 

Please email me rather than calling me. 


Best, from the Basis of the United States, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX United States of America ( XXXX ) XXXX XXXX CONFIDENTIALITY NOTICE : This e-mail message, including any attachments, is for the sole use of the intended recipient ( s ) and may contain confidential and privileged information or otherwise be protected by law. Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and destroy all copies of the original message.

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have summitted several disputes to all 3 major credit reporting bureaus ( Experian/XXXX ) in regards to my XXXX XXXX XXXX account and the numerous inconsistencies and discrepancies reported on this account by all XXXX bureaus. I have requested verification and validity of the these reports, including method of verification of account and all I've received are notification stating the account has either been updated or verified as accurate. To date XXXX and Experian report a high balance of {$17000.00}. XXXX is reporting a high balance of {$16000.00}. XXXX is reporting date of last activity as XX/XX/XXXX. Experian is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last activity as XX/XX/XXXX. XXXX and XXXX are reporting this account as derogatory. Experian is reporting this account as " PAID ''! XXXX and Experian are reporting date of last payment as XX/XX/XXXX. XXXX is reporting date of last payment as XX/XX/XXXX. Experian is reporting an XXXX and XX/XX/XXXX payment history as PAID while XXXX reports them as XXXX and 60 days late? which is it? did I pay or not? XXXX report no payment history at all. ALL reporting a {$0.00} past due amount. How is XXXX reporting paid and the others derogatory? If the bureaus are reporting " accurate '' and " verified '' information, why are there so many inconsistencies? if XXXX creditor is reporting this information to them, why is all the information different? I am entitled to a fair and accurate credit report. Credit reporting is life changing and for the bureaus to fail to acknowledge or recognize the blatant and inaccurate reporting and tell me its verified information blows my mind. I demand an investigation onto this matter and a complete reporting on method of verification OR complete deletion of this account from 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 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
synchrony bank charges a " payment security fee '' on top of interest in the event of a life illness or event to cover minimum payments. Its basically insurance. 

The problem is this is AUTOMATICALLY enrolled when you don't make a full statement payment. No notification, no manual enrollment- and the only way you can cancel it is by calling them so they can be pushy and engage in shady sales tactics. They offer other ways of customer service ( chat ) but do not let you cancel that way. 


My issues are as follows- Deceptive fees and advertisements insurance should be manually enrolled in separate from the application of the credit card, not forced enrolled Cancelation should be possible through all avenues of customer services offered ( ADA violation ) Regardless of the legality of these fees ( I don't think they are or should be ) The CFPB should investigate synchrony anti-consumer behavior.

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 2023-11-05 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: KY

Complaint narrative:
Information was inaccurate on my credit report for years after several disputes still remain as accurate on my credit report XXXX XXXX and XXXX, XXXX and equifax destroyed my credit with failure to properly Investigate my credit report and consider to make the right changes to my report, its been a total disaster with them.They continued even to report after account was payed and closed, which I consider to be fraud and major a violation of my rights.This was totally disrespecful to me it just shows me that people fell to do their jobs don't need to be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Information was inaccurate on my credit report for years after several disputes still remain as accurate on my credit report XXXX XXXX and Experian, XXXX and XXXX destroyed my credit with failure to properly Investigate my credit report and consider to make the right changes to my report, its been a total disaster with them.They continued even to report after account was payed and closed, which I consider to be fraud and major a violation of my rights.This was totally disrespecful to me it just shows me that people fell to do their jobs don't need to be there.

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 2023-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
Several months ago I got a new phone number. Shortly after I got a newer cell phone. Since it was new to me I had to log into my apps for the first time on my new phone, including CashApp. When I attempted to log in with my phone number, it logged me into the person 's CashApp account who had my number in the past, a person I did not know. I contacted CashApp to straighten it out. I was shocked at how easy it was for me to sign into the other person 's account through no fault of my own. It took the agent I was chatting with several times for them to understand what had happened. They even addressed me by the other person 's name which added to my frustration. A few days later I was using CashApp and a screen appeared telling me my account was closed for terms of use violations and they wouldn't tell me why it was closed. I have tried several times to reopen my account and I've reached out to cashapp but I believe they are punishing me for making work for them but none of this was my fault. I am literally the victim here and cashapp made it worse. They should open my account for me. I am a small business owner and I rely on cashapp for several customers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: FL

Complaint narrative:
XXXX Account ending in XXXX needs to be deleted. 

I have the right to an accurate credit report. This XXXX Account is all wrong ending in XXXX. 

1 ) Date Of last Activity is all wrong between all 3 bureaus. 
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How can all 3 Credit Bureaus have a Different XXXX, Please Delete This account. 

2 ) Closed Date is all wrong between all 3 bureaus. 
XXXX XXXX Closed Date is XXXX However still reported the account was late until XXXX which is a violation. 
Experian does not show a closed date but shows the account as late until XXXX XXXX XXXX not show a close date as well but shows the account was late until XXXX? 
This is all incorrect and the account needs to be deleted. 

3 ) The account was opened by a XXXX XXXX, on some it just says XXXX XXXX. 
This is not me. My name is XXXX XXXX. Delete this discover account ending in XXXX. 

Also my personal information is wrong again, prob due to this account that does not belong to me. This name XXXX XXXX has been deleted several times and keeps reappearing. XXXX XXXX is not my name. My Name is XXXX XXXX. 

* XXXX Account use to end in XXXX for Fraud. XXXX reopened the same account under a different number ending in XXXX without even notifying me within 5 days by law. This is illegal and the new account is also fraudulent. The account is wrong, the information in the account is wrong, the account name is wrong. Delete XXXX account ending in XXXX for it is hurting my credit greatly and holding my family and I from getting new credit and being able to move into a home. 

thank you, I have attached proof my name is XXXX XXXX and not 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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a complaint on XXXX requesting that fraudulent inaccurate accounts be removed from my credit report and i have not yet heard back from anyone regarding the status of deleting them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ME XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX EXPERIAN XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Subject : Request for Assistance with Unauthorized Inquiries and Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to seek assistance regarding unauthorized inquiries on my credit report, which I believe are a result of identity theft and a data breach. I have made several attempts to resolve this issue by contacting the credit bureaus and various banks, but unfortunately, the unauthorized inquiries still remain on my credit report. This situation has been adversely affecting my credit and my financial future, and I kindly request your jurisdiction to step in and help me address this matter. 

I have diligently reached out to all three major credit bureaus, Experian, XXXX, and XXXX, to inform them about the unauthorized inquiries on my credit report. Moreover, I have also contacted several banks, including but not limited to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX consolidated, and XXXX XXXX, in order to report the identity theft and the data breach that I have become a victim of. Despite my efforts, the inquiries have not been removed from my credit report, and I believe this is unfair and unjust. 

Given the impact these unauthorized inquiries are having on my creditworthiness and financial standing, I kindly request your intervention in this matter. I urge you to investigate the situation, assess the evidence I can provide, and take appropriate action to ensure that these unauthorized inquiries are promptly removed from my credit report. Additionally, it would be greatly appreciated if you could facilitate any necessary communication between the credit bureaus, banks, and myself to ensure a swift resolution. 

E I am grateful for your attention to this matter and for any assistance you can provide. Should you require any further information or documentation, please do not hesitate to contact me at XXXX or XXXX. I eagerly await your response and resolution to this pressing issue. 

Thank you for your time and consideration. 

Sincerely, 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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have summitted several disputes to all 3 major credit reporting bureaus ( XXXX/TransUnion ) in regards to my XXXX account and the numerous inconsistencies and discrepancies reported on this account by all 3 bureaus. I have requested verification and validity of the these reports, including method of verification of account and all I've received are notifications stating the account has either been updated or verified as accurate. To date TransUnion reports a high balance of {$2100.00}. XXXX is reporting a high balance of {$0.00}. XXXX is reporting a high balance of {$3000.00}. TransUnion is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last activity as XX/XX/XXXXXXXX XXXX is reporting date of last activity as XX/XX/XXXXXXXX  TransUnion is reporting this account is STILL OPEN!! but its charged off???? TransUnion and XXXX are reporting date of last payment as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last payment as XX/XX/XXXX. TransUnion reports no payment history at all. How is this account charged off if its reporting OPEN? If the bureaus are reporting " accurate '' and " verified '' information, why are there so many inconsistencies? If one creditor is reporting this information to them, why is all the information different? I am entitled to a fair and accurate credit report. Credit reporting is life changing and for the bureaus to fail to acknowledge or recognize the blatant and inaccurate reporting and tell me its verified information blows my mind. I demand an investigation onto this matter and a complete reporting on method of verification OR complete deletion of this account from 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 non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have summitted several disputes to all 3 major credit reporting bureaus ( XXXX/Equifax/XXXX ) in regards to my XXXX account and the numerous inconsistencies and discrepancies reported on this account by all 3 bureaus. I have requested verification and validity of the these reports, including method of verification of account and all I've received are notifications stating the account has either been updated or verified as accurate. To date XXXX reports a high balance of {$2100.00}. XXXX is reporting a high balance of {$0.00}. Equifax is reporting a high balance of {$3000.00}. XXXX is reporting date of last activity as XX/XX/XXXXXXXX XXXX is reporting date of last activity as XX/XX/XXXXXXXX Equifax is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX is reporting this account is STILL OPEN!! but its charged off???? XXXX and XXXX are reporting date of last payment as XX/XX/XXXX. Equifax is reporting date of last payment as XX/XX/XXXXXXXX XXXX reports no payment history at all. How is this account charged off if its reporting OPEN? If the bureaus are reporting " accurate '' and " verified '' information, why are there so many inconsistencies? If one creditor is reporting this information to them, why is all the information different? I am entitled to a fair and accurate credit report. Credit reporting is life changing and for the bureaus to fail to acknowledge or recognize the blatant and inaccurate reporting and tell me its verified information blows my mind. I demand an investigation onto this matter and a complete reporting on method of verification OR complete deletion of this account from my credit file.

Company response to consumer: Closed with non-monetary relief