vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
Since XX/XX/2021, I have been sending letters to Experian and XXXX  in regards to unauthorized fraudulent inquiries placed on my credit bureau profile accounts. Since XX/XX/2021, two of the three bureaus ( Experian and XXXX  ) have ignored my requests and have not sent me any correspondence. A post card is not what I'm expecting receive as a response, after sending many inquiry investigation letters. Yet, still no removal of the fraudulent inquiries from these bureaus, regardless of the countless letters I've mailed. If you can mail post cards, then why are you not responding to my letters or sending me proof of methods used to verify the information that continues to remain on my profile. This has been a long tedious battle with Experian and XXXX  for months. I have had no support from the bureaus. I am being treated as if, I am not the valued consumer and my information has been compromised. I have been left feeling violated. I have called and spoke to representatives at the bureaus that have either disconnected my calls or ignored my request and even asking me to file reports with the police. In addition, I have also contacted each individual creditor to request proof or removal from my reports and no success either. The creditors continue to respond with ; they don't have records of my information on file with them. 

XXXX- letter to Experian for inquiry XXXX XXXX XXXX - XX/XX/2021. No removal XX/XX/2021- letter to Experian again for XXXX XXXX XXXX - XX/XX/2021. No removal XXXX- letter to Experian a third time and No removal. 

XXXX- letter to XXXX  for inquiry XXXX XX/XX/2021. no removal XX/XX/2021 - letter to XXXX  again for inquiry XXXX XX/XX/2021. no removal XXXX letter to XXXX  and a third time for inquiry XXXX XX/XX/2021. no removal Each time a response from Experian or XXXX  comes back to me, its a post card or letter of inquiry investigation process. Yet, never a letter showing me verification of method used to verify the inquiry.

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 2021-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Back in 2014 I went to a car lot called XXXX XXXX. Was under the assumption that I was doing By-here-pay-here which doesnt include a financial bank. I gave the car agent {$500.00} down and he said hed work out the rest. He actually opened and fraudulent applied for an loan told the financial bank Credit Acceptance that I put down {$1300.00} just to get me approved. I didnt know until I started getting notifications in the mail. Within a month the car went down and had to be given back to the car lot. Once I talked again to Credit Acceptance they agreed to close the account and advised me they do not lend to that car lot again. A police report was made because my informs was used to open this account. I have that filed with XXXX Police Dept. They representative I spoke with at Credit Acceptance her name was XXXX and to this day this loan is still on my credit report fraudulently.

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 2021-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MA

Complaint narrative:
On XXXX XXXX I went to purchase food for my children and quickly found out my credit karma debit card got declined. I quickly called credit karma a few minutes later and was informed that my account was locked or frozen and they were escalating the matter to their specialist team. A few days go by and I still dont hear anything from either credit karma or their specialist team. I have called them every single day with no resolution and no reason as to why my account has been blocked/frozen. On XX/XX/XXXX I received an email from them to send in documents to verify my identity and bank account information, and I did so. I sent them picture of the front and back of my government issued ID and a bank statement. They still will not release my account off hold. Credit karma has been nothing short of a nightmare. They are holding my ONLY source of unemployment income and refuse to release it. No matter how many times I call them, they tell me the same thing their going to escalate the matter to the higher team or your account is being looked into. I also tried to link a new bank account ( that belongs to my husband ) to try to get my money out of that account as I have no source of income because they wont unfreeZe my account. I cant transfer my funds out of the account, and even though I sent in proof of my bank statement, they are requesting more and more documents from my husbands account and still wont unfreeze my account. I have XXXX children That I have to feed and take care of. Im in a hardship right now and they are holding my only source of income. I have spoken to the credit karma supervisors, I have called the bank that FDIC insures credit karma money spend and save accounts, they sent an email to their superiors to see if theres anything that can be done. They only insure credit karma money spend and save accounts, so they dont have the power to unfreeze my account. Im not getting any answers as to WHY my account is frozen. I need help to resolve this ASAP. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have been using cash app to send and receive funds, my XXXX XXXX account is attached in order to do so. On XX/XX/2021 i was refunded 4 {$50.00} by a XXXX equalling {$200.00} cash app says the funds would be refunded back to my account and never were. Again on XX/XX/XXXX for {$75.00} from a XXXX, and again XX/XX/XXXX for {$50.00} and {$100.00} from XXXX. I am told by cash app to dispute charges with bank and bank tells me they cant dispute cash app not refunding money to my account, i have my bank records showing all of these funds coming out and not being returned as well as all communication between cash app and myself and my transactions history with cash app where it shows that money was supposed to be refunded to my XXXX XXXX account. I have talked to a manager and multiple cash app customer support agents, multiple bank representatives and the lady who refunded money and have gotten no where and no ones help. If you need further proof or bank records i am happy to forward those so well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
hi capital one bank and office of the president ; i'm crying right now and stressed out because I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a fraud stated in my XXXX XXXX as a result of identity theft. 
I want to see what I can do to resolve this issue and I can't open any bank account as a result of it.

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 2021-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: TX

Complaint narrative:
On XXXX, did a Money Transfer in the Amount of {$100.00} via XOOM to a Friend in XXXX for Pick-Up in Person at the Bank Teller Window. ( XXXX Transaction XXXX ) Due to Covid Pandemic, Friend never picked- up the Money because of Covid infection fears Thus, on XXXX, Xoom canceled the Transaction and notifed me via email ( attached ) that the Transaction was null & void and that no Money was debited. 

However, a Debit of - {$100.00} was processed by XXXX on XXXX, as shown on XXXX XXXX  Statement ( attached ) Item # XXXX. 

XX/XX/17 DEBIT FOR XXXX.COM XXXX XXXX CO XXXX {$100.00} XXXX Xoom has twice stated ( see two emails attached ) that no Refund was due because the Amount was not Debited. This is incorrect as shown in attached XXXX Statement. 

I filed a Dispute in Person with the help of the XXXX XXXX XXXX  Officers. After several weeks of " investigation '', all the XXXX XXXX Bank stated was that the Transaction was Authorized and thus no Credit was due. 

This is Theft. Either Xoom or XXXX XXXX Bank is holding the {$100.00} Dollars and refuses to return the Money. 

Please force whomever is holding my money to return it promptly as I desperately need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: AL

Complaint narrative:
I lost my wallet and my information was also released in multiple breaches. I also was a victim of the XXXX  Credit Breach. My identifying information was also found on the black market and I had reason to believe that an ex-boyfriend used my information. I placed a fraud alert on my credit in an attempt to stop fraudulent accounts from being opened that didn't stop fraudulent credit inquires from being put on my report. Typically companies take 30 days to do an investigation mine are all completed by the next business day saying that the information is factual. So XXXX  is intentionally breaking the law by not actually looking into my disputes and again breaking the law by continuing to report fraudulent activity on my report that is hurting my credit score. I filed a police report in XXXX, AL. The police report number is XXXX. I want these inquiries removed per the FCRA standards for credit reporting. I had no control over the situation nor did I contribute in any way. My next line of action will be to file a formal lawsuit against XXXX. I would also like my complaint and contact information public for individuals who are also being treated unjustly by this credit bureau. I didn't and couldn't file a complaint about every inquiry. I have also attempted to file disputes with TransUnion and XXXX. With XXXX  acknowledging some of the inquiries as fraud but denying others. I can not control when a fraudulent inquiry is added to my report. Furthermore, these companies should have enough sense to not run my credit multiple times for the same company on the same day, that alone should tell you that it is fraudulent information on my credit report. 

1. Because I didn't want to waste my time and this company isn't doing their due diligence 2. They are saying they verified the information within 24hrs. On some disputes, there are 10-15 companies listed and they are still claiming to have verified the information 3. Inquiries they have claimed where factual has been removed by the inquiring company because they found it to be a fraudulent inquiry.

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 2021-07-15 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: AL

Complaint narrative:
I lost my wallet and my information was also released in multiple breaches. I also was a victim of the XXXX  Credit Breach. My identifying information was also found on the black market and I had reason to believe that an ex-boyfriend used my information. I placed a fraud alert on my credit in an attempt to stop fraudulent accounts from being opened that didn't stop fraudulent credit inquires from being put on my report. Typically companies take 30 days to do an investigation mine are all completed by the next business day saying that the information is factual. So XXXX  is intentionally breaking the law by not actually looking into my disputes and again breaking the law by continuing to report fraudulent activity on my report that is hurting my credit score. I filed a police report in XXXX, AL. The police report number is XXXX. I want these inquiries removed per the FCRA standards for credit reporting. I had no control over the situation nor did I contribute in any way. My next line of action will be to file a formal lawsuit against XXXX. I would also like my complaint and contact information public for individuals who are also being treated unjustly by this credit bureau. I didn't and couldn't file a complaint about every inquiry. I have also attempted to file disputes with XXXX  and Experian. With Experian acknowledging some of the inquiries as fraud but denying others. I can not control when a fraudulent inquiry is added to my report. Furthermore, these companies should have enough sense to not run my credit multiple times for the same company on the same day, that alone should tell you that it is fraudulent information on my credit report. 

1. Because I didn't want to waste my time and this company isn't doing their due diligence 2. They are saying they verified the information within 24hrs. On some disputes, there are 10-15 companies listed and they are still claiming to have verified the information 3. Inquiries they have claimed where factual has been removed by the inquiring company because they found it to be a fraudulent inquiry.

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 2021-07-15 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: I.C. System, Inc.
State: CA

Complaint narrative:
On XX/XX/2020. I C SYSTEM added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA I C SYSTEMS has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: AL

Complaint narrative:
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. XXXX feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 
Edited

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: TN

Complaint narrative:
In 2020 I was under the Cares Act with Loancare. Loancare is showing on all three bureaus 60 days late and negatively impacting my credit. In XX/XX/2020 my loan was paid in full with Loancare and no balances remaining. Under the care act you may not send anything negatively or report anything negative to any bureau. I am requesting a letter and email from Loancare with Loancare letterhead stating there was never a late payment with my mortgage at any point in time. In addition, a dispute with all three bureaus to remove this negative impact your company faulted. This is completely illegal under the Cares Act and Loancare had no right to negatively report to any bureau whatsoever.

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 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A negative account ( XXXX XXXX XXXX ) was added to my report without proper notification, this negative account was allowed to attach to my credit file without following FCRA rules, I have asked via certified letter XXXX different times for documentation showing this is in fact my debt and have been ignored each time and on this ground this account should be removed expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: AL

Complaint narrative:
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: AL

Complaint narrative:
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is 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 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2021, WELLS FARGO added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, WELLS FARGO has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

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 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc.
State: AL

Complaint narrative:
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.

Company response to consumer: Closed with explanation