vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: OH

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year> my Venmo account was suspended and without explanation. I contacted customer service who had me send verification/ proof of identity. The customer service representative informed me that an account specialist was to get a hold of me by Wednesday of the following week. Today I received an email stating credit a new account does not solve the problem, which has not been the case and was not performed. I did not attempt to open a secondary account. I updated my email on file. I have still yet to receive a reason for my suspension of my account and my funds are being held onto without any explanation. The account specialist will not return emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Dear CFPB, I am writing to report three unauthorized hard inquiries made on my credit reports by : XXXX XXXX XXXX XXXX, and Capital One. 
These inquiries occurred approximately a month ago ( between XX/XX/year> and XX/XX/year> ) and were promptly removed shortly after. However, despite their removal, my credit score dropped by XXXX points and has not fully recovered since. 

The details are as follows : XXXX XXXX Inquiry : 1 inquiry between XX/XX/year> and XX/XX/year> Capital One Inquiry : 2 inquiries between XX/XX/year> and XX/XX/year> All three inquiries were unauthorized as I did not apply for credit with these institutions during this time. 

Evidence : I first noticed these inquiries through my XXXX XXXX monitoring tool, which tracks changes in my XXXX credit report. The inquiries have since been removed, but my score remains impacted. The score only recovered slightly due to unrelated factors, yet the effect of the unauthorized inquiries has not been resolved. 

Supporting Documentation : - PDF of XXXX XXXX XXXX Report Changes : This document shows the initial score impact from the unauthorized inquiries. 
- PDF of XXXX XXXX XXXX Report Details ( Most Recent ) : This document shows the most recent credit changes, confirming the inquiries have been removed but that my score has not fully recovered from their impact. 
- History of changes in my report since XXXX, XXXX  from XXXX XXXX. 

Impact : This unwarranted score drop has negatively affected my financial plans by limiting my ability to qualify for better credit terms, despite the resolution of the unauthorized inquiries. It is concerning that the score did not recover even after the inquiries were removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: OH

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXXXXXX 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 XXXXXX/XX/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 2024-12-30 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: NY

Complaint narrative:
My SSN was stolen and I want to freeze all of my accounts. This Fraudster also made an account using my SSN on Experian so I can not make an account. Without an account, I can not properly Freeze my credit line nor initiate a Fraud Alert to protect myself from further inquiries. 

The same thing happened with my XXXX Account, however, I was able to speak to a Representative who kindly helped me recover my account and set it up with my details. Using Experian 's customer service number, I was unable to this. I have logged an email complaint, but this is a relatively time sensitive 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 non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Follow-Up on Complaint Regarding Failure of Creditor to Provide Requested Documentation Complaint Number : XXXX Dear Sir/Madam, I am writing to follow up on my previous complaint, referenced above, which was submitted to the CFPB regarding the inaccurate reporting of a charged-off business accounts by Capital One Credit Card Services. The creditor has failed to provide the requested documentation proving my authorization for the debt and the transfer of my personal information to a third-party debt collector. Additionally, I requested that they issue a Form 1099-C to confirm whether the debt has been forgiven or canceled.

As of the date of this letter, I have not received the necessary documentation or a substantive response from Capital One Credit Card Services, despite multiple requests. I have also requested the following : 1. The original signed contract or application for the account.

2. Documentation proving my personal liability for the debt.

3. Proof of my authorization to share or transfer my personal information to a third-party debt collector.

4. Issuance of a Form 1099-C if the debt has been canceled.

These requests were made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). However, Capital One Card Services has failed to provide the requested documentation or a formal response. But continue to validate that they are reporting it accurate to XXXX per my dispute results from XXXX. 
I am asking the CFPB to assist in ensuring that the creditor complies with the legal obligations set forth by the FCRA and FDCPA, specifically : 15 U.S.C. 1681i : Verification of disputed information and removal if it can not be validated.

15 U.S.C. 1692c ( b ) : Restricting the transfer of my personal information to third-party debt collectors without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: PA

Complaint narrative:
Company continues to furnish fraudulent accounts on my report. Please remove the listed accounts from my report this is a direct violation of 15 USC 1681. 
Account # XXXX Account # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
DATA BREACH I notified XXXX, XXXX, and TransUnion via telephone. There was no answer, just automated customer service that would not connect me to a representative. I attempted to file a dispute but could not because appropriate information about data breaches was not available. I needed them to fix my WHOLE CREDIT because my information was exposed in a Data Breach. 

According to 15 USC 1681, regarding the right to privacy and FCRA 605B, if there is a data breach involving possible identity theft, they must correct all information on my credit report within four ( 4 ) days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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.

Complaint narrative:
DATA BREACH I notified XXXX, Equifax, and XXXX XXXX XXXX. There was no answer, just automated customer service that would not connect me to a representative. I attempted to file a dispute but could not because appropriate information about data breaches was not available. I needed them to fix my WHOLE CREDIT because my information was exposed in a Data Breach. 

According to 15 USC 1681, regarding the right to privacy and FCRA 605B, if there is a data breach involving possible identity theft, they must correct all information on my credit report within four ( 4 ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: GA

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I purchased a headboard bed through temu on XX/XX/year> for {$650.00}. The item arrived damaged so I submitted a return request that was approved. However due to the two boxes delivered I needed an additional return label I reached out to the temu seller who offered to send out a replacement or issue a partial refund. I advised the seller that I just wanted a return label they declined to do so. I reached out to wells Fargo and they denied my refund claim despite XXXX approving my request for a return and refund

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I bought and activated this card on XX/XX/year>. I had {$170.00} in cash that I received as gifts, and I could not deposit that cash to my bank account because it's an online bank. Prepaid gift cards had always been a way to remedy that until now. 

I'm simply trying to use this card to buy supplements. I tried this card on ryse.com, ekkovision, and XXXX to no avail. I can't add it to any of the pay transfer apps ( XXXX XXXX, XXXX, etc ) to be able to transfer the money off, so it renders this card useless. After speaking with support, they told me that I'd have to use another retailer. This is insane. It limits my options and forces me to go to a brick and mortar store that MAY work.

In today 's day and age, most debit and credit cards are linked to a zip code to help cut down on fraud. It should be illegal and these companies should be penalized for not figuring out a way to link your zip code to a prepaid debit card. Most online retailers need a zip code to process a payment. I've spent money for something I can't even use.

Also, it's false advertising on their website and on the packaging that the card comes in. The cardholder agreement states that " The card may be used at merchants and retailers in the United States that accepts American Express Card. '' All of the merchants I listed above take American Express. They've sold me a product I can't use, and it's ingenuine to give consumers the perception that this can be used knowing they've put restrictions in place where it can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: SC

Complaint narrative:
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries to be Blocked and Deleted : 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 2024-12-30 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ALSO DELETED BY XXXX NOT VERIFIED ) I was notified by your company regarding an alleged debt. I have reason to believe I do not owe this debt because I believe you have me confused with a different person. 

I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Pennsylvania. 

Because I am writing to you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Would you kindly ensure the expeditious removal and blocking of these fraudulent accounts from my credit report? These entries are unauthorized and may signal fraudulent behavior. Taking immediate action is crucial to protect the integrity of my credit profile and prevent any additional unauthorized access. Your prompt attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have XXXX hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation