vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year>, Capital One NA and on XXXX XXXX, XXXX XXXX XXXX both conducted a hard inquiry on my credit report through XXXX, XXXX, and XXXX. I did not attempt to apply for auto financing or any kind of credit through these lenders so I called and/or went online to all three credit bureaus to place a freeze and fraud alert. 

I notified the local police but they advised there would be no utility in making a report since I had not actually been financially harmed. 

I called XXXX XXXX XXXX and they advised that I needed to contact the credit bureaus to dispute the inquiry. 

I called Capital One and they advised me to send them a letter detailing the dispute and a copy of my credit report. They received the letter on XX/XX/year> but as of XX/XX/year>, the inquiry was still on my XXXX credit report. 

I disputed both inquiries with all three credit bureaus. XXXX and XXXX removed them both after a simple phone call. On XX/XX/year>, XXXX called and advised I would need to send in an FTC.gov fraud report in order for them to remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Prior to writing this complaint I have tried to contact Experian to get my log in information and was unable to get through to a representative the automated system state that they only can transfer callers in limited circumstances this is causing not to be able reset my password to get into my credit profile for awhile now I have not been able to see my credit report and what is being reported I need this resolved as quickly has possible as it it stopping me from building and correcting my credit profile.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 2024-09-20 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-20 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: FL

Complaint narrative:
The fraudulent account is with XXXX XXXX, and inquiries were opened using my credit with XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I demand the removal of these fraudulent items from my TransUnion, XXXX, and XXXX credit reports, in accordance with my rights under the FCRA and FDCPA laws. 

Accounts Affected by the Crime : TRANSUNION : XXXX Date Fraud Began : XXXX. XXXX, XXXX Date Discovered : XXXX, XXXX Total Fraudulent Amount : {$2500.00} XXXX : XXXX Date Fraud Began : XXXX. XXXX, XXXX Date Discovered : XXXX, XXXX Total Fraudulent Amount : {$2500.00} XXXX : Company or Organization : XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$2500.00} Fraudulent Information on Credit Reports I confirm that fraudulent accounts or charges appear on my credit report, including inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. This complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion XXXX and XXXX credit reporting agency , block the information appearing on my credit report that is a result of identity theft and fraud within four business days of receiving this complaint. The fraudulent information includes a personal store card account opened at These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I do not recognize any of the aforementioned accounts, collections, or inquiries, as they were not initiated by me. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof that these items are the result of identity theft and fraud.

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 2024-09-20 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:
The fraudulent account is with XXXX XXXX, and inquiries were opened using my credit with XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I demand the removal of these fraudulent items from my XXXX, Equifax, and XXXX credit reports, in accordance with my rights under the FCRA and FDCPA laws. 

Accounts Affected by the Crime : XXXX : XXXX Date Fraud Began : XXXX. XXXX, XXXX Date Discovered : XXXX, XXXX Total Fraudulent Amount : {$2500.00} EQUIFAX : XXXX Date Fraud Began : XXXX. XXXX, XXXX Date Discovered : XXXX, XXXX Total Fraudulent Amount : {$2500.00} XXXX : Company or Organization : XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$2500.00} Fraudulent Information on Credit Reports I confirm that fraudulent accounts or charges appear on my credit report, including inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. This complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX XXXX and Equifax credit reporting agency , block the information appearing on my credit report that is a result of identity theft and fraud within four business days of receiving this complaint. The fraudulent information includes a personal store card account opened at These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I do not recognize any of the aforementioned accounts, collections, or inquiries, as they were not initiated by me. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof that these items are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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:
The fraudulent account is with XXXX XXXX, and inquiries were opened using my credit with XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I demand the removal of these fraudulent items from my XXXX, XXXX, and Experian credit reports, in accordance with my rights under the FCRA and FDCPA laws. 

Accounts Affected by the Crime : XXXX : XXXX Date Fraud Began : XXXX. XXXX, XXXX Date Discovered : XXXX, XXXX Total Fraudulent Amount : {$2500.00} XXXX : XXXX Date Fraud Began : XXXX. XXXX, XXXX Date Discovered : XXXX, XXXX Total Fraudulent Amount : {$2500.00} EXPERIAN : Company or Organization : XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$2500.00} Fraudulent Information on Credit Reports I confirm that fraudulent accounts or charges appear on my credit report, including inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. This complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX Experian and XXXX credit reporting agency , block the information appearing on my credit report that is a result of identity theft and fraud within four business days of receiving this complaint. The fraudulent information includes a personal store card account opened at These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I do not recognize any of the aforementioned accounts, collections, or inquiries, as they were not initiated by me. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof that these items are the result of identity theft and fraud.

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 2024-09-20 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: TX

Complaint narrative:
On XX/XX/2024, my account was compromised with fraud. I had 3 transactions that was attempted. 2 items were posted and 1 of the transaction fell off. I called Wells Fargo to report the transactions once I saw the email I received from them. On XX/XX/2024 I called in to Wells Fargo because the transactions posted. I spoke with 4 different representatives. One representative informed me that Wells Fargo had contacted me by phone, text, and email in regards to the transactions. That was false information. I never received a phone call or text but only an email from Wells Fargo. Another representative stated that I told the initial claim representative put on the claim that I was in possession of the card that fraud occurred on which that was false information.

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 2024-09-20 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: NY

Complaint narrative:
In accordance with the fair credit reporting act these creditors have violated my rights! Under 15 U.S.C 1681 Section 602 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''. 

I demand that the following accounts be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am also requesting monetary compensation for each violation.

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 2024-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/year> my Social security was deposited into my Cash app account. A few hours later I received a text from cash app saying my a phone number had been added to my account. I got another one a few seconds later that my email had been removed. I tried logging into my account and could not. So I called cash app support and told the representative what was happening so they checked the account and finally got me back into it when I got back in I told the representative that there were transactions that were made while had no access to the account he said yes that he could see that but he would not lock the account or that he could not refund the money until the transactions had completed because they were still pending. So we hung up a few hours later i was at work and I got a message saying my phone and email had been removed from my cash app account so I called cash app again and told them the problem they got me in the account and u noticed a bitcoin transaction had been made. I immediately told the representative and gave them the bitcoin address it was bought for {$400.00} and sold {$410.00} a few min later now cash app refunded {$54.00} for the money taken but told me there was nothing I could do because it was bitcoin. 
Now on XX/XX/year> cash app has locked my account for fraudulent activity which this time it was me making the transaction. But am being denied access to the account. My electric has been shut off twice while cash app has denied me access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My regular payment history does not align with these late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: CA

Complaint narrative:
I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
Data Breach at XXXX which leaked my personal information which requires Extended Fraud Alert from today for the next seven years. Also, remove all old addresses and telephone numbers

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 2024-09-20 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed on XXXX XXXXXXXX XXXX account was not reporting accurately, I had a late payment on an account that was in fact paid on time. Consumer reporting agencies need to report all information accurately. this account has not been late on any payments on the following date ( XX/XX/23 ) I'm now requesting you investigate this account and update this payment to be paid on time immediately. Thank you for your understanding and prompt action.

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 2024-09-20 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:
I AM WIRTING TO DISPUTED FRAUDULENT ACTIVITY ON MY CREDIT REPORT RELATED TO IDENTITY THEFT, WERE AN INCORRECT ADDRESS HAS BEEN USED IN MY NAME WITHOUT MY CONSENT, LEADING TO UNAUTHORIZED ACCOUNTS, UNDER SECTION 605B OF THE FAIR CREDIT REPORTING ACT ( 15U.S.C 168C-2 ), I HAVE THE RIGHT TO REQUES THE REMOVAL OF THIS INFORMATION, AS I DO NOT RECOGNIZE THE ADDRESS OR THE ASSOCIATED ACTIVITIES, AND I NEVER AUTHORIZED ITS USE IN ANY TRANSACTION, DELETE ADDRESS XXXX XXXX XXXX, XXXX FL XXXX IDENTICATION NUMBER XXXX AND NAMES XXXX XXXX XXXX XXXX IDENTIFICATION XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: TX

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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