vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-02-01 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: IN

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-02-01 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: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-02-01 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: NJ

Complaint narrative:
I recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found recent inquiries not done by me. This situation has caused my score to decrease. Please remove it from my credit report as soon as possible.

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 2024-02-01 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: NJ

Complaint narrative:
I recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found recent inquiries not done by me. This situation has caused my score to decrease. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: NJ

Complaint narrative:
I recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found recent inquiries not done by me. This situation has caused my score to decrease. Please remove it from my credit report as soon as possible.

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 2024-02-01 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: IL

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and 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 explanation
Consumer complaint received 2024-02-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have found there to be wrong information on my credit report. I disputed the collection and it was not fixed.

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 2024-02-01 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: IN

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-02-01 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: PA

Complaint narrative:
There is a credit account from XXXX on my credit report that was opened in XX/XX/XXXX that was not open or authorized to be opened by me. I completed a FTC identity theft report for the account above on XX/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 explanation
Consumer complaint received 2024-02-01 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: TN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: IN

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Zions Debt Holdings
State: IL

Complaint narrative:
I am a victim of identity theft. I track down the person who use my information fraudulently to open a security system at an address I never live at. Ive tried contacting the company. They told me I have to prosecute this person but I dont have money to hire a lawyer. Thats not my signature in the application I have a police report is there anyway this can be removed I dont have money to hire a lawyer the person who used my information Her name is XXXX XXXX . The number that this person use on the application is not my number I was able to XXXX that number and I found a website by the name of XXXX XXXX XXXX I put that number in and her name came up. She also has a XXXX. She used a XXXX XXXX on the application as well. I was able to locate that XXXX  by the name of that email on the application.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Cash App, as they have failed in their fiduciary duty by neglecting to address a fraudulent transaction and provide me with the necessary support and protection as a consumer. 

On XX/XX/23 I used Cash App to make an online purchase to what I believed to be a merchant at the time. The details or nature of the transaction was misrepresented and falsely advertised leading to my authorization under false pretenses. Unfortunately, I never received the ordered item, and upon investigation, I discovered that the merchant was deceptive and the website is no longer available, indicating a scam. Despite my attempts to resolve the issue, the alledged merchant refused to refund my money. 

I promptly reported this incident to Cash App, expecting their intervention as a fiduciary and their duty to protect their customers. Shockingly, Cash App not only denied my dispute but also rejected my appeal, leaving me without recourse. Despite multiple attempts to seek resolution, including phone calls requesting further assistance, no one from Cash App has shown the slightest concern or attempted to address my predicament. 

The purchase I made using my cashapp account was for {$49.00}. Although the monetary value may seem modest, the significance lies in the principle and the neglectful conduct exhibited by Cash App in handling this matter. I have been a customer of Cash App for almost 7 years and in that time frame I probably disputes 2-3 other transactions ; I additionally want to emphasize that, aside from the specific incident mentioned, Cash App has consistently demonstrated a pattern of neglect by never refunding any disputes I have raised in the past. This disregard for customer concerns is not only alarming but indicative of a systemic issue within their dispute resolution processes. 

This blatant disregard for my consumer rights and fiduciary duty has caused significant financial loss and emotional distress. The denial of rightful refund and failure to address misrepresentation or fraudulent scheme charges not only violates the fiduciary responsibility Cash App holds towards its customers but also undermines the trust consumers place in such financial platforms. 

I hereby request a thorough investigation into this matter and urge the Consumer Financial Protection Bureau to intervene on my behalf. 

Thank you for your attention to this matter, and I trust that the CFPB will act swiftly to address this egregious violation of consumer rights. 

Account # ending in XXXX Account email : XXXX Account phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: TN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I deposited XXXX dollars into my savings account via ATM at 53rd bank on XXXX and XXXX XXXX in XXXX Mi. I also transferred XXXX dollars into my savings account to pay my aunt for my mortgage. The ATM ate the XXXX dollars and only posted the XXXX transfer that was second. When speaking with XXXX  the manager of the branch I was the XXXX person who had problem last night I was XXXX in line and this ATM is having weekly problems and it steals money with no receipts and the branch outsources the machine and can't open it and I have to wait until someone comes out. They were called Monday for the exact same problem and still haven't been out and they have left this atm open to continue to defraud customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received a {$500.00} American Express eGift Card from my employer last year, in recognition of service. AMEX states that the pre-paid card is widely accepted online and in-person everywhere. However, I have tried to use this card and it has been declined everywhere, both online ( including XXXX and XXXX ) and in-person. Ive spoken to AMEX customer service twice about this problem ( including today XX/XX/2024 ), and the only advice I receive is to try other merchants. To have a prepaid card that is repeatedly declined is frustrating, embarrassing, and defeats the purpose of the card itself. I found that many others are experiencing the same issue ( including complaints here on the CFPB website ). I encourage the CFPB to take action against American Express as it is accepting money from people who buy the gift cards, but make it virtually impossible for recipients to use the funds. Shameful, disreputable practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-01 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: IL

Complaint narrative:
As I understand it, according to FCRA 605B, we should remove accounts that are reported wrongly on credit reports. I'm not exactly sure what happened, but please check the accounts in the documents. They're not accurate on my credit report, and it's upsetting and making me feel unwell. Can you assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are several names that are not mine, addresses, and employers that I have requested to be removed. And there are numerous inquiries on my credit report that are over XXXX XXXX XXXX and should no longer be on my credit reports. 

XXXX XXXX XXXX XXXX XXXX  is reporting a late payments on my account and I have never been late on this account. I have reached out to XXXX and the 3 credit bureaus for reinvestigation but nothing has been investigated because my credit report Dispute Status states " Account not disputed ''. 

XXXX XXXX XXXX XXXX is reporting a late payment on my account and I have never been late on this account. I have reached out to XXXX and the credit bureaus to update but nothing has been investigated because my credit report Dispute Status states " Account not disputed ''. 

XXXX XXXX XXXX XXXX is reporting a late payment on my account and I have never been late on this account. I have reached out to XXXX and the credit bureaus to update but nothing has been investigated because my credit report Dispute Status states " Account not disputed ''. 

XXXX XXXX XXXX XXXX is reporting a late payment on my account and I have never been late on this account. I have reached out to XXXX and the credit bureaus to update but nothing has been investigated because my credit report Dispute Status states " Account not disputed ''. 

XXXX XXXX XXXX XXXX is reporting on my credit report and I have no idea what this account is or who it is from. 

XXXX XXXX XXXX XXXX  is reporting on my credit report and I have no idea what this account is or who it is from. 

Outdated Inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: MO

Complaint narrative:
I noticed several years ago that Experian had my credit score very low ( the other agencies show my score in the XXXX 's range ). I called and spoke to a representative and she told me she did not know why my credit score was so low as credit appeared excellent. She then suggested to we take all my former married names off the account. We did that however nothing changed. I wrote several letters inquiring what information they had to warrant such a low score and I heard nothing. I finally got an account with them and started a barrage of emails to them. They keep emailing me back with a random response saying I had no credit history and that for {$29.00} a month I could improve my score. I have never received any explanation why they show my credit score so low ( XXXX ) even though i have begged them to investigate. This is hurting my credit as some of the credit cards I carry use Experian as their reporting service. I am XXXX XXXX XXXX and really am offended that a reporting company can arbitrarily give out false information without any explanation to the consumer.

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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have been complaining about Discover card and requesting that they send me paperwork showing that I obtained credit from them. They have been sending back information on an address that I have not lived over 15 years and NONE of the information that they have provided bears my signature. I do not owe Discover Card any money and they keep reporting information to the credit bureau and violating my rights as a consumer. 

Sending back information such as my social security and address means nothing to me. I want to see my signature on a document that I tried and did obtain credit from Discover Card, they keep sending privacy policy and statements. Someone could have taken that out and not me. 

I want to see my signature on the documents that I signed. If Discover Card can not produce a document with my signature, it should be removed from my credit file and stop reporting immediately to these credit bureaus. 

Discover is a fraudulent company that is trying to ruin people of color 's credit so that they can gain relevance in the market. They have been in multiple lawsuits where it has been proven that Discover Card goes after people of color to report incorrect information on their credit report.

Company response to consumer: Closed with explanation