vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 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: CO

Complaint narrative:
On Saturday i was using cash app and my transaction was canceled for security purposes. As of today the money is still not in the bank and the transaction is still pending. This would not have been such a big deal if i had disposable income but unfortunately this left me not able to buy groceries or do anything over the last 5 days. So I'm not really sure if this is a cash app issue, a bank issue or? But if money can be taken from a consumers account immediately then why is the reverse an issue? And if this was a security issue then maybe the money should not have been taken in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: TN

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Health Care Management Services, Inc.
State: GA

Complaint narrative:
HSI Financial called me on today XX/XX/2023. A annoying answering kept calling my phone constant. I never had any dealing or business with this company. So I called back I this company asked for my ssn and dob I refused to give it to them I dont know who they are. When I refused to give them the information they hung up in my face. Very rude and nasty. I want these people to stop calling me. I havent received anything in the mail. I would like to know how this company obtained my personal information because I did not consent to anyone releasing my personal information to anyone. When I find out who released my personal information there will be a lawsuit filed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A hand written business check, written from a company I own, was deposited on XX/XX/2023, into my Wells Fargo business account, which I also own. 

My check from XXXX cleared the same day of my deposit, XX/XX/2023. 

The fraud department without any inquiry, research, questioning, closed all my XXXX accounts the evening of the deposit, XX/XX/2023 with a date certain. 

XXXX of the accounts has been active with Wells Fargo and predecessors for over 35 years with over XXXX XXXX dollars transacted through this now closed account. 
When on XX/XX/XXXX, I contacted the fraud department what was going on, I was told that my deposit was determined fraudulent and Wells Fargo had a right to close all of my accounts because of my fraudulent activity of depositing a hand written check deposited by my same signature as on file with my XXXX accounts with Wells Fargo. 
Let me repeat XXXX XXXX claim : a hand written check from XXXX business account that I own, that was cleared that night, XX/XX/XXXX, from my XXXX account, Wells Fargo made a decision that that hand written check signed by myself with the same signature on all of my 11 XXXX accounts was fraudulent and closed my q business accounts i forming me that none of these accounts could accept deposits and that any withdrawals scheduled over the balance would be denied. 
No question, no putting the check on hold in order to do an investigation, XXXX arbitrarily closed my accounts causing me tremendous problems. 
I called the fraud dept at XXXX to contact XXXX to confirm that I was a signature on this XXXX account. Wells Fargo informed me that they would not contact XXXX. I had to go to a XXXX retail location and present to their representatives corporate documents demonstrating that I was an owner of the company by including incorporation from the state this account at XXXX was incorporated in. 
This is outrageous.

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 2023-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I obtained the loan for {$470.00} from affirm.com to pay in 4 installaments for the purchase of XXXX XXXX XXXX from XXXX XXXX XXXX Order # XXXX on XX/XX/XXXX. 
I emailed to the merchant when my purchased sunglsses would be shipped since no information was provided in the order or on the website on XX/XX/XXXX. 

Merchant responded that it would be in 7 to 12 working days, and it was on the website.

Since it was an obvious lie I emailed back on XX/XX/XXXX after receiving this reply either to cancel that order and refund money or provide me with the exact day my order would be shipped. 

Somebody presented as XXXX replied that would forward my request to some administration area if my " order '' was not processed - while it is still in " Processing '' status as per attached screenshot on XX/XX/XXXX. 
I replied back to provide me that my order was canceled, and did not received a reply. 

Since it became obvious that it was a scam I contacted affirm.com on XXXX for the loan ID : XXXX used for this purchase, XXXX from Customer Service XXXX I explained her the issue, and also that according to XXXX XXXX XXXX the XXXX XXXX out of XXXX with 770 reviews that it is a scam site stealing money. 
I also told her that can provide email thread communication with that " merchant ''. 
She told me that understand the issue, created dispute case # XXXX, that all 3 future installments will be put on hold during investigation, and she escalated this to the senior team. 

On XXXX I received email fomr affirm.com that the next installment will be posted to my XXXX XXXX on XX/XX/XXXX. 
Right after I called affirm.com Customer Service ( XXXX ) XXXX and talked to XXXX. 
She told me that there is no case number yet, and all XXXX installements of {$110.00} each would be withdrawn from my XXXX XXXX. 
To conclude, affirm.com was sided with the cheater to get its cut and not the victim of this online scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XX/XX/XXXX Credit Inquiry Dispute - Removal of misleading information Dear, TransUnion Consumer Solutions, I am writing to dispute certain credit inquires listed on my credit report, which I believe contain misleading information. These inquires were made by XXXX XXXX, XXXX XXXX and XXXX. I have already contacted these companies, and they have acknowledged that the information in question is fraudulent. They have taken the necessary steps to delete this information from XXXX and XXXX. I kindly request that TransUnion takes similar action and removes these inaccurate entries from my credit report as well. I have always been diligent in managing my financial affairs, and it has come to my attention that the inclusion of these fraudulent inquires on my credit report is significantly impacting various aspects of my life, it is crucial for me to maintain an accurate credit profile. 


To support my dispute, I have included the following relevant details : Creditor Name : Factual Data Date of Inquiry : XX/XX/XXXX Account Number : No Account Creditor Name : XXXX Date of Inquiry : XX/XX/XXXX Account Number : No Account Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Number : No Account

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items on my report that your agency didn't make sure it was reporting 100 % accurate. 


XXXX XXXX : # XXXX has violated my rights. The Listed account above has flawed information under between 3 different credit reporting agencies in XXXX, XXXX, and Experian. First Flaw is the account status which differs from the Experian and XXXX report ( Paid ) from the XXXX report ( closed ). Second Flaw is the date account opened which differs from the XXXX and Experian ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). Third Flaw is the Last day reported on the account which differs from the XXXX and Experian ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). Fourth Flaw is the Last day Active report which differs from all three credit reporting agencies in Experian ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) report from the XXXX report ( XX/XX/XXXX ). XXXX XXXX reported was the date of last payment reported which differs from the XXXX and Experian ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These inaccuracies have done a toll on my mental health and m mental well being and I demand they be removed off my credit report seeing as the account is now closed and the information is still inaccurate.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion continues to lower my credit score when my balances are GOING DOWN. TransUnion is DANGEROUS to people who are actually working to improve their scores. Will my credit score go UP if I max out my credit cards? Who's running that XXXX  business, a toddler?

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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX  Bankruptcy Case Number : XXXX 15 US-CODE 16921 XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 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 2023-07-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-07-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit 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 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update to current or paid as agreed.

Company response to consumer: Closed with non-monetary relief