vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
Please be advised that as of XX/XX/year> as listed on my most recently reviewed chexsystem  report, there are several frauds/ or unauthorized information these accounts were sold for less to a third party, please see the below accounts 1.XXXX XXXX XXXX  Account # XXXX XXXX XXXX bank Account # XXXX Please remove it from my credit report. 
I am hereby notifying you that neither of those accounts are incorrect, I have not given chexsystem permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to XXXX  resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.

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 2024-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
Subject : Complaint against Aqua Finance for Unfair Practices Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Aqua Finance regarding unfair practices that have significantly impacted my credit score and caused undue stress and inconvenience. 

On the week of XX/XX/year>, I discovered that my credit score had plummeted by XXXX points due to a reported late payment. Upon investigating the matter, I found that this late payment was attributed to Aqua Finance, the company financing my water filtration and purification system. Concerned and eager to resolve the issue promptly, I contacted Aqua Finance at approximately XXXX XXXX local time, only to be informed that their systems were still updating. 

Subsequently, I made several follow-up calls to Aqua Finance in an attempt to rectify the situation and seek a resolution. My confusion stemmed from the fact that my account was set up for automatic payments for a fixed amount. Despite my account being in good standing, Aqua Finance claimed that it was stipulated in the contract that I had to proactively call to adjust the payment amount after a promotional period.

Despite reviewing the contract thoroughly and contacting Aqua Finance multiple times to clarify their stance, their representatives remained adamant that I was solely responsible for ensuring the payment amount was increased. This stance was in stark contrast to other companies ' practices, such as insurance and cable providers, who routinely adjust automatic payments without requiring customer intervention. 

Moreover, Aqua Finance 's refusal to provide detailed explanations or leave comprehensive voicemails regarding the nature of the calls further exacerbated the situation. Despite my attempts to demonstrate goodwill by making a payment to bring the account up to date and increasing the payment amount, Aqua Finance displayed a lack of support and empathy throughout the process. 

Their dismissive attitude and failure to address my concerns demonstrate a clear disregard for customer satisfaction and contradicts their purported commitment to fairness, transparency, and customer support, as advertised on their website. 

In light of these events, I urge the Consumer Financial Protection Bureau to investigate Aqua Finance 's practices thoroughly and take appropriate action to ensure that consumers are protected from such unjust treatment in the future. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: MO

Complaint narrative:
I have Been Fighting With EquiFax for over a year Now to remove all inaccurate information from my credit report, I have spoken with EquiFax verbally about this matter, I have even sent out priority mail to resolve this matter. EquiFax has Refused to Remove inaccurate information reporting on my credit. This creditor is acting out of its jurisdiction an is operating as a government entity.Due to this my credit score has taken a drastic decline, and is effecting my credit score and financial opportunities

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: MO

Complaint narrative:
Despite my repeated efforts to address this matter through your company 's dispute resolution process, the unknown inquiry remains unresolved. This lack of action and communication is unacceptable and reflects poorly on your company 's commitment to customer service and data accuracy. 

I demand immediate action to rectify this situation. It is imperative that the unknown inquiry be promptly removed from my credit report, as it is inaccurately affecting my creditworthiness. Additionally, I expect your company to conduct a thorough investigation into how this inquiry appeared on my report without my knowledge or consent. 

This ongoing issue has caused me undue stress and anxiety, as well as potential financial harm. I urge you to prioritize this matter and provide me with a clear plan of action to address the unknown inquiry and prevent similar errors from occurring in the future. With this, I am asking for your assistance to remove this unknown inquiry in my credit file : XXXX XX/XX/year>.

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 2024-05-07 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: GA

Complaint narrative:
Equifax has violated my right to privacy and reported a bankruptcy on my credit report. I spoke to XXXX XXXX from the court who stated they do. It report bankruptcy and that XXXX XXXX buys them. I reached out to them and they sent me a letter saying they could verify. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have attempted to use this American Express XXXX XXXX with numerous retailers since 2020, without any luck. I have followed XXXX XXXX instructions on how to do so. American Express claims that this American Express XXXX XXXX is usable at any retailer that accepts American Express, which does not appear to be true.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-07 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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX  XXXX Balance : {$150.00} XXXX, XXXX XXXX Balance : {$8300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00}

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 2024-05-07 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: TX

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX  XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX  XXXX Balance : {$150.00} XXXX, XXXX XXXX Balance : {$8300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Once again I was denied. This time though the company offered an installment payment plan ; XXXX $ now, XXXX $ in XXXX weeks, etc. It was an option that would be available at checkout. I then proceeded to move the necessary federal reserve notes onto paypal to insure the first payment was there, ro initiate the process. Mind you, no finance charge was mentioned, no option to opt out was offered. After putting the funds ( federal reserve notes of comparable cash ) onto paypal, I then proceeded to follow up on the checkout and upon checking out and choosing the pay in XXXX ( which I've been denied before and this time was told that a down payment was necessary ) I was told that paypal was checking something ... .I was then told that I was being denied and that an email was being sent to me with information regarding the denial... AND I LITERALLY JUST FOUND OUT PAYPAL CHARGED ME XXXX XXXX WHICH WAS THE AMOUNT FOR THE PRODUCT I WAS PURCHASING AND TRYING TO PAY INXX/XX/XXXX WITHOUT MY CONSENT!!! Since paypal denied me the credit and opportunity to pay inXX/XX/XXXX the site took the option off the screen and left me with only the option of using my XXXX  card ... YET THEY STILL CHARGED ME XXXX $ even though I used my XXXX..I even got a text from XXXX  confirming the payment!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: T.S. Holdings
State: CA

Complaint narrative:
Please I need your assistance and really needs your help regarding my XXXX problem today. I WOULD like to file a dispute against this Unauthorized Charge on me of {$720.00} to get into the credit reports into my account that really bothers me on my daily routine works on my tiring job I work hard for this to take good care of my GOOD OUTSTANDING RECORDS AND MY name. 
This was On XXXX XXXX from IQ DATA INTERNATIONAL Inc XXXX XXXX CA AND its not my consent to this matter. 
In reality all of my loans and if i have a debt I should have to payed on schedule and on time % XXXX on Time Payments even if you double check on my history reports accuracy.SO help me XXXX i want best results action to my concern and bring justice to my situation. I want to hear from you soon your best action .I want to stop this kind of fraudulent activity and unauthorized activity and receiving a debt collection in wich i am not entitled, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have reached out and they are not doing anything to correctl the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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:
Ive identified accounts and inquiries on my consumer report as a result of XXXX XXXX These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the XXXX XXXX, my consumer statement, and my identification proving my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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:
Ive identified accounts and inquiries on my consumer report as a result of XXXX XXXX These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the XXXX XXXX, my consumer statement, and my identification proving my identity

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 2024-05-07 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 am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: CA

Complaint narrative:
I am writing to express my profound disappointment with the ongoing presence of fraudulent account on my credit report. Despite reporting the case of identity theft and contacting the respective companies associated with this fraudulent account, they have failed to provide the necessary records. However, they assured me that upon submission of the required FTC report, the fraudulent accounts would be promptly removed. 

This account requires your immediate attention : XXXX XXXX XXXX. 

It is important to note that both XXXX and XXXX have already removed this account from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify this account when other agencies have already addressed the issue. I urge you to promptly remove this inaccurate, erroneous, incomplete, or unverifiable account from my file.

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 2024-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
A number had been called my phone repeatedly at least 7 times a day for the last 7 days. It was the company called Midland Credit collections. I spoke with them on XXXX stated the bought my debt from XXXX XXXX XXXX The rep was very rude and told me that if I don't pay they will sue me and ruin my life. I thought that was very excessive. I asked for debt confirmation and contract from XXXX XXXX stating you have the right ti collect on this debt. I never received that as of today XX/XX/year>. I just received a piece of mail from a bankruptcy attorney stating, I have a pending law suit against with from XXXX  XXXX  who is XXXX XXXX. I was never notified of the law suit and I think it's unfair to not allow me to defend myself but try to garnishment my money illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC
State: CA

Complaint narrative:
I found below inquiries on my credit report which are not associated with any of my open account, I did not authorized these inquiries to credit report. Hence these inquiries should be removed from my credit report : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX CORELOGIC CREDCO XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CREDCO ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX CORELOGIC CREDCO LLC ( XXXX XXXXXXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I found below inquiries on my credit report which are not associated with any of my open account, I did not authorized these inquiries to credit report. Hence these inquiries should be removed from my credit report : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank of America XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX  XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX > XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX > XXXX XXXX  ( XXXX XXXX ) XX/XX/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 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc.
State: CT

Complaint narrative:
I received a Cash App card in the mail today which was under my name. I do not have any affiliation with Cash App. I called them up and wanted to report fraud and I wanted the account closed because of fraudulent activity. They did ask to send a copy of the card received via email but I refused because they might start making unwanted purchases on the card. And my email and phone number did not match the account on file. The person said there was no activity on the card yet probably because I did not activate. Unfortunately Cash App did not take any action to investigate the situation further. Plus the letter that they sent me looks fake with some typos. It says to scan th QR code to activate the card.

Company response to consumer: Closed with explanation