vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-10 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: FL

Complaint narrative:
On XX/XX/XXXX, I initiated contact with Experian regarding inaccurate information present on my credit report. Despite the passage of time, I have not received a response from Experian. The specific details of the erroneous information and the necessary corrections are outlined below : Account Information : Account Holder : Not Mine Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-10 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: WA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FlexShopper, Inc
State: GA

Complaint narrative:
XXXX, XXXX, and XXXX the same debt has reopened via XXXX by a company named XXXX XXXX. This has been resolved over lengthy processes costing me money and time. The account claim has been reopened as of XXXX with XXXX XXXX and XXXX for {$380.00}. 

Additionally, I have reached out to the credit bureaus to remove an address based in New York associated with the fraudulent activity. I have never lived in that state and have already provided all the proof previously for this account. 

I repeat, this account and address has been addressed 3 times and twice closed for fraudulent activity. I am in the XXXX with a job that this greatly affects and need help to remove this permanently since XXXX XXXX keeps getting new collection agencies to reopen accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: NV

Complaint narrative:
My boyfriend works at the XXXX warehouse and he used his discount to get me these items as a gift. My afterpay account was the payment method. On XX/XX/2023, I bought a XXXX airwrap and a living proof hair spray from XXXX using afterpay. My package with the living proof hair spray was received on XX/XX/XXXX in my package locker. My XXXX XXXX package did not update until XX/XX/2023 in which it said it was delivered on XX/XX/XXXX XXXX hours after the first package and that it was signed for. I live in an apartment complex in which the lobby does not sign for nor accept orders on our behalf and they have to come directly to us or place it in a package locker. I was not home at this time so if someone signed for the package it was not me. I called XXXX customer service several times to which they refused to refund or redeliver my order. They also told me to contact the delivery company. I called the delivery company ( Deliver-It ) in which they dont have a customer service department and only an online form is available. This company is also notoriously known for stealing packages! I decided to file a police report and got it approved. XXXX customer service was called again and I spoke to XXXX, a floor manager, in which she said she STILL would not be able to refund or redeliver my item as it still says it was signed for. EXCUSE ME? A signature does not mean that I signed for it? I explained this to them and how I was working and obviously not home so I did not sign it. It is the companys job to ensure a package gets to me! I also told them I have a police report to which they STILL refused to accommodate me! I tried to file a dispute with afterpay but they no longer have a phone number available and do everything online. The company had only three options, a cancellation, a refund request with proof of refund from the merchant, or goods not received option. I chose the goods not received option and was told that they could not do anything about it and to contact the merchant again. This whole process is ridiculous as my next installment payment is coming up on XX/XX/XXXX to which XXXX paying {$390.00} for something that I DO NOT HAVE!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11 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: FL

Complaint narrative:
I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-11 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: EQUIFAX, INC.
State: DE

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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 2023-12-10 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2020 I called all three Credit bureaus. I notify them that that was information my credit report regarding medical bills that were not mine. I spoke to the fraud department of all three girls and they advised me to call the creditor because they were not going to remove it without consent from the creditor.

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 2023-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
While looking for a property in XXXX, I opened an account at Capital One XXXX XXXX Branch on XX/XX/2023 and deposited {$500.00} transferred from XXXX  XXXX XXXX . I've already relocated from XXXX to XXXX XXXX, New York, and purchased a home. 

When I attempted to use my Capital One account in XXXX after I moved to New York, the the account and money were held, and I was told that my account will be canceled and the {$500.00} will be transferred back to XXXX  XXXX XXXX. However, they canceled my Capital One account in XXXX and the remaining {$500.00} was not remitted to my XXXX account with the ending four digit XXXX. 
I went back and forth between Capital One and XXXX in XX/XX/2023 and both bankers examined the Capital One and XXXX apps, but none showed the {$500.00} reimbursement that had been returned to the XXXX account XXXX. 
According to the XXXX banker, Capital One withdrew {$500.00} from my previous Capital One account rather than transferring it to XXXX, as indicated as " Withdrawal '' in the statement. 
Please assist in conducting additional research and contacting Capital One. Please recover my Capital One bank account and make the {$500.00} available for withdrawal or mailing to my current address. 

I desperately need this money, and it will be XXXX XXXX. Please refund {$500.00} to me as soon as possible. Thank you really much!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 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: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I saw an inquiry on my XXXX credit report that I did not authorize on XX/XX/2023. I checked my credit reports after I received some emails congratulating me on being approved for a new credit card. An inquiry from XXXX XXXX appears on my XXXX credit report now. I attempted to contact the company supposedly behind the issuance of the card and I am not certain that I made the correct move and that they were the proper contact. I can't bring myself to fully trust them or my efforts, so I am told by a XXXX representative to file a formal report. They want me to provide them a copy of the report so that they can proceed with their investigation. This company told me that they had not sent a card out yet, but if it is mailed it should not be active. I am quite not sure how that works. I immediately put a security freeze on at all XXXX credit bureaus. I hope that I will be able to remedy this as soon as possible. I have never applied for credit cards that charge annual fees and the interest rates are bad enough if you do not have stellar credit scores. In the future, I will maintain a security freeze on all my reports and I encourage others to do the same. Please assist accordingly. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My authorized user account on with XXXX  XXXX was deleted from my account because I disputed a closed XXXX XXXX that I believed was fraud. So they said they deleted it because they thought it was attached to my fraud claim but it wasnt. Then said they cant put it back. Then somehow next day it was put back then deleted again three days later. This account had a low utilization and over XXXX XXXX dollar limit that was helping 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 2023-12-10 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: FL

Complaint narrative:
For almost two. months I having been requesting Experian and XXXX delete an inaccurate information on my credit report. I never lived nor had any association with that address. I am being told it can't be deleted because it was reported and verified by XXXX XXXX. That information is inaccurate since I never live nor provided that address to XXXX XXXX. I believed XXXX XXXX found someone with the same name and is using that address. 

XXXX XXXX is sending emails and letters to my update my address, because the mails are not being delivered. Of course not because I don't live and never did live there, why would I update my address to where I never lived. But yet, The credits Bureaus are claiming the information as been verified and is correct. The same way the credit bureaus are asking me to provide documentation, why don't they ask the creditors like XXXX XXXX to provide documentation for information prior to putting the INACCURATE information a consumers 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 explanation
Consumer complaint received 2023-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I reported to TransUnion on XX/XX/XXXX. Despite my initial contact, TransUnion has not responded to date. I am seeking resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 
The erroneous information is as follows : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account does not belong to me. Kindly remove it from my credit report. 

XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} Original Creditor : XXXX XXXX XXXX XXXX This account is not mine. I request its removal 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 2023-12-10 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: TN

Complaint narrative:
On XX/XX/2020 I called all three Credit bureaus. I notify them that that was information my credit report regarding medical bills that were not mine. I spoke to the fraud department of all three girls and they advised me to call the creditor because they were not going to remove it without consent from the creditor.

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 2023-12-10 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: TN

Complaint narrative:
On XX/XX/2020 I called all three Credit bureaus. I notify them that that was information my credit report regarding medical bills that were not mine. I spoke to the fraud department of all three girls and they advised me to call the creditor because they were not going to remove it without consent from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: VA

Complaint narrative:
Wells Fargo is yet again screwing over its customers. I reached out to Wells Fargo about a questionable transaction for {$39.00} tonight, Saturday, XXXX XXXX, XXXX only to be placed on hold for more than 20 minutes. The bank tells customers to contact them immediately when something like this happens, but then fails to provide customer service when you reach out. 

This is just par for the course for the most morally corrupt company in the XXXX. The bank will not give out local branch numbers, instead you must talk to a customer service member who doesn't know the answer to the simplest questions. The bank tells are also next to useless when you go visit, and the managers are always not available ( The one on XXXX XXXX in XXXX, XXXX ) The bank is always slow to credit deposits and never responses to email correspondence. I use this bank because I travel a lot for my job and need a bank with locations in most states. 

Why doesn't the XXXX actually do something about this horrible, horrible bank more than issuing press releases stating it fined Wells Fargo fines of millions of dollars? My question is does Well Fargo actually pay those fines? 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: PA

Complaint narrative:
I currently have some accounts and inquiries appearing on 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 2023-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Dear CFPB, My name is XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from Credit Systems International Inc. and it is showing on my credit report without my consent. I have no contract with Credit Systems International Inc and have given no consent for them to use my name, likeness, or credit data. XXXX XXXX sold my personal information to this company. Without permissible purpose. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: FL

Complaint narrative:
For almost two. months I having been requesting XXXX and Equifax delete an inaccurate information on my credit report. I never lived nor had any association with that address. I am being told it can't be deleted because it was reported and verified by XXXX XXXX. That information is inaccurate since I never live nor provided that address to XXXX XXXX. I believed XXXX XXXX found someone with the same name and is using that address. 

XXXX XXXX is sending emails and letters to my update my address, because the mails are not being delivered. Of course not because I don't live and never did live there, why would I update my address to where I never lived. But yet, The credits Bureaus are claiming the information as been verified and is correct. The same way the credit bureaus are asking me to provide documentation, why don't they ask the creditors like XXXX XXXX to provide documentation for information prior to putting the INACCURATE information a consumers report.

Company response to consumer: Closed with non-monetary relief