vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 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: GA

Complaint narrative:
Equifax, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX under the account number ( XXXXXXXX XXXX  ), XXXXXXXX XXXX under the account number ( XXXX XXXX ), XXXXXXXX XXXX under the account number XXXX XXXX ), I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All if the aforementioned accounts are a result of identity theft and fraud. I have attached a copy of a FTC Identity Theft Criminal Complaint Case XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts are a result of identity theft and fraud. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS. I HAVE NOT knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: PA

Complaint narrative:
FCRA 605B directs you to remove any incorrect accounts from my credit report. Can you please check the documents? Some listed accounts have inaccurate reporting, amounts, and dates.

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 2024-07-03 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: CA

Complaint narrative:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: AR

Complaint narrative:
I am requesting a reinvestigation of the negative items on my credit report, which remain unresolved despite my previous disputes and the submission of all necessary documentation. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$43000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$1700.00} XXXXXXXX XXXX XXXX Balance Owed : {$31000.00} FNCC XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$1300.00XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, a charge for XXXX XXXX - XXXX was made to a Vanilla gift card, unauthorized. The card was activated on XX/XX/XXXX, at XXXX XXXX at XXXX XXXX - XXXX. I did not know that the card was activated, and when I logged into Vanillagift.com to activate it, I saw that it was already activated. I did this at around XXXX XXXX, meaning that the card had been stolen and used in a matter of minutes. I have contacted their customer support, and they have opened up a case for me, however they said it could take up to XXXX calendar days. The purchase itself was {$100.00}, which is the entire balance of the gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XXXX at XXXX ... {$7000.00} was fraudulently transferred from my Chime savings account to an unknown XXXX account. I have filed disputes with Chime, XXXX, the Federal Trade Commission, XXXX, and the police department. 
Someone please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The following is a list of inquiries that were authorized without my consent, using my personal information to open accounts fraudulent. The inquiries in question are listed below. 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 2024-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: CA

Complaint narrative:
I was XXXX XXXX for the XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Because of low income I was behind on my payments and making any payment I could. When I was XXXX I contacted Flagship Credit Acceptance within XXXX to XX/XX/XXXX and tried to make a payment when I was advised the account was paid in full. Which I thought was strange and by XXXX XXXX I received a notice that my vehicle had late payments and would be repossessed and I had to pay {$3700.00}. I made the payment in full and every month after that I made my payments on time and even paid extra a few months. I have been calling ever since to have my credit report updated with the payments I have been making since XXXX XXXX. I can't access my account online to make payments and have to call every single time and be charged {$4.00} per payment made. Additionally, everytime I call I keep getting tranfered within departments, they say someone is looking over the account and will have it updated on the credit report and access online, I even had someone telling me the account was paid and they couldn't find my account on their site. I've contacted them each week now and thye submitted a dispute wihtin Flagship Credit Acceptance however no one has called me back nor emailed me with updates. I was told it would take 30 days and each time I call I get different answers. I have been making my payments on time nearly a year and I still don't have my credit report updated. It says last payment made was on XX/XX/XXXX and I owe {$11000.00} which is incorrect. I want my credit report to reflect what I pay and I work real hard to make the payments on time. I want to buy a house and car within a year and can't because of this issue.

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 2024-07-03 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: PA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: PA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I moved and the banks sent statements to the wrong address. I learned that the post office had the wrong forwarding address and when I discovered the issue, everything was resoled. I have always been committed to meeting my financial obligations promptly, and there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. 

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 2024-07-03 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:
I am submitting this follow-up complaint to inform you that I have previously reported these fraudulent activities multiple times. I request that the three credit bureaus remove these fraudulent items from my credit report. Legally, you are required to remove any items that were opened without my authorization. Please review and remove the following items : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.

Complaint narrative:
Subject : Request for Review and Regulation of Cash Apps Borrowing and Banking Systems Dear Consumer Financial Protection Bureau, I am writing to bring to your attention certain aspects of the Cash App system that I believe could benefit from your review and potential regulation. 

Firstly, I have noticed that Cash App currently does not have a system in place that enforces repayment of borrowed money from XXXX user to another after a specific period. This lack of enforcement can lead to situations where borrowed money is not repaid, causing financial distress for the lender. I propose that Cash App should implement a system that requires borrowers to repay their debts after a certain period or face an accumulating interest rate. This would encourage timely repayment and make the borrowing system more robust and fair. 

As an example of the issues Im highlighting, consider the experience of my friend, XXXX XXXX ( $ XXXX ). XXXX, residing in XXXX, Texas, found herself in a predicament where she had loaned over {$550.00} to a user named XXXX XXXX. This was not a one-time transaction but a series of loans over a period of time. XXXX, who has been continuously requesting money from various users in the area for reasons that remain unclear, has refused to repay the amount borrowed. 

This situation has placed a significant financial burden on XXXX and caused her considerable emotional distress. The situation took a further distressing turn when XXXX mother contacted XXXX. She promised to repay the loan on her sons behalf, only to then ask XXXX for {$20.00} for pain medication. This raised suspicions of a potential scam, adding to the complexity of the situation. 

Such a predicament could have been avoided if Cash App had a robust system in place to enforce repayment of borrowed money after a specific period. The implementation of an accumulating interest rate over time for unpaid debts could serve as a deterrent for borrowers who delay repayments. This would not only protect the lenders but also maintain the integrity of the platform. 

Secondly, I have concerns about Cash Apps bank account system, specifically its handling of transactional disputes. In my experience, the dispute resolution process is not as efficient or effective as those offered by traditional banking systems. This can leave users feeling frustrated and unsupported, particularly in cases of fraudulent transactions or errors. I believe that XXXX to this system could greatly enhance user trust and satisfaction. 

I understand that the CFPB has the authority to supervise larger nonbank companies that offer services like XXXX wallets and payment apps. I kindly request that you consider these issues as part of your ongoing efforts to ensure fair, transparent, and competitive markets for consumer financial products. 

Thank you for your time and consideration. I look forward to any actions you XXXX take to address these concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXXXXXX XXXX XXXX  is reporting me as an authorized user on 2 accounts which i have never been an authorized user on any creXXXX XXXX XXXX accounts. XXXX XXXX XXXX is also hurting my credit by reporting late payments on this account and would like for XXXX XXXXXXXX to remove these accounts from my credit reports. 

OVERVIEW Credit limit {$500.00} Minimum monthly payment {$30.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 80 % of payments on time Current red_status Not current Last payment XXXX XXXX, XXXX Payment status XXXX days late Amount past due {$120.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Authorized User Remarks Dispute resolved ; reported by grantor XXXX XX/XX/XXXX days late XXXX Closed XX/XX/XXXX Credit limit {$800.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 100 % of payments on time Current red_status Not current Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status Current ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Authorized User Remarks Contact subscriber Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX 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 2024-07-03 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: OH

Complaint narrative:
XXXX XXXX XXXX  is reporting me as an authorized user on 2 accounts which i have never been an authorized user on any XXXX XXXX XXXX accounts. XXXX XXXX XXXX XXXXs also hurting my credit by reporting late payments on this account and would like for XXXX XXXXXXXX to remove these accounts from my credit reports. 

OVERVIEW Credit limit {$500.00} Minimum monthly payment {$30.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 80 % of payments on time Current red_status Not current Last payment XXXX XXXX, XXXX Payment status XXXX days late Amount past due {$120.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Authorized User Remarks Dispute resolved ; reported by XXXX XXXX XX/XX/XXXX days late XXXX Closed XX/XX/XXXX Credit limit {$800.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 100 % of payments on time Current red_status Not current Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status Current ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Authorized User Remarks Contact subscriber Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX  is reporting me as an authorized user on 2 accounts which i have never been an authorized user on any XXXX XXXX XXXX  accounts. XXXX  XXXX XXXX  is also hurting my credit by reporting late payments on this account and would like for XXXX  XXXX to remove these accounts from my credit reports. 

OVERVIEW Credit limit {$500.00} Minimum monthly payment {$30.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 80 % of payments on time Current red_status Not current Last payment XXXX XXXX, XXXX Payment status 60-89 days late Amount past due {$120.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Authorized User Remarks Dispute resolved ; reported by XXXX XXXX XX/XX/XXXX days late XXXX Closed XX/XX/XXXX Credit limit {$800.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 100 % of payments on time Current red_status Not current Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status Current ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Authorized User Remarks Contact subscriber Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXXXXXX 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 2024-07-03 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: CA

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing the following account as it was opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following account. It was opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXXXXXX ....

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
In XXXX I had a legal name change. Experian has not removed my old name from all documents and the result is that I periodically have no credit score for months at a time. I have reached out to experience support numerous times since changing my name legally on XX/XX/XXXX. At first, employees encouraged me to wait longer. But after about one year I finally reached someone who forwarded me to a web portal where I should have been able to submit the official documents. However, this web portal was and is broken. I then was directed by an Experian employee to fax my legal name change documents to a given number on XX/XX/XXXX, which I did. I've heard nothing back about these documents and do not know their whereabouts. I have read that submitting a report to this bureau is the only solution short of involving an attorney which motivates Experian to resolve this type of issue.

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