vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
This company reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This company reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: PA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: NJ

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible.

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 2024-01-11 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I ordered some parts online from a seller that was representing another company, they asked me to sent a copy of the payment and I did, the main company confirmed my payment in an email and stated my items would be shipped out that day, this was XX/XX/2023. all attempts to contact seller or company have failed. I filed a complaint with Capital one, the credit card I used, and they had me send all the docs I had. they came back with the answer that the company said I received my items and were as described. I contacted Capital one and informed them that I have not been able to contact the company so how have they been able to make contact? They did not answer the question but asked me to send all other docs that I had showing that in fact placed and order and got a reply about shipment. Capital one has come back with the answer that my complaint was denied since I did not send them the right docs. I sent them all I have and am still unable to contact the company and really doubt that Capital one has either. The items I ordered were the brass shells for an antique rifle and paid through XXXX and the company is XXXX. When I try the sportsmansreloads online chat they say they are busy and will be right with me, then I receive a note that says they are so busy that I should leave my email address and they will contact me, I have yet to receive anything from them. Neither company has an address or phone number and still Capital one will not refund my {$190.00} even though they even said they company hasn't proved the items were shipped because no tracking number was provided. I have spent hours talking online and on the phone to Capital one and I believe they don't intend to refund my monies. I need your help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( 12 CFR Part 1022 ), the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 ( a ) ( 4 ) and 15 U.S.C. 1681b ( a ) ( 2 ). 

Accounts : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never expressed a written or verbal consensus granting TransUnion permissible purpose to publicly report the listed accounts and inquiries. This infringes upon my privacy and rights per the Fair Credit Reporting Act ( 12 CFR Part 1022 ), 15 U.S.C. 1681b ( a ) ( 2 ), and 15 U.S.C. 1681 ( a ) ( 4 ).

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 2024-01-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$6800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( 12 CFR Part 1022 ), the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 ( a ) ( 4 ) and 15 U.S.C. 1681b ( a ) ( 2 ). 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I never expressed a written or verbal consensus granting Equifax permissible purpose to publicly report the listed accounts and inquiries. This infringes upon my privacy and rights per the Fair Credit Reporting Act ( 12 CFR Part 1022 ), 15 U.S.C. 1681b ( a ) ( 2 ), and 15 U.S.C. 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX at Citi is familiar with my case. She can be reached at XXXXXXXX XXXX XXXXXXXX Citi never communicated with me about a negative balance of XXXX miles from XXXX  years ago ( XXXX ) on my Citi AAdvantage credit card, so I was unaware of it. Due to this negative balance, my credit card purchases in XXXX - XX/XX/XXXX did not earn AAdvantage  base miles. Therefore, I was disqualified from a XXXX AAdvantage bonus mile offer.

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 2024-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : 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 non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
AMEX PROVIDED THESE TERMS AND AGREEMENTS WHEN THE CARDS WERE ISSUED TO ME. THE SAME TERMS AND AGREEMENTS APPLY CURRENTLY AND WERE CONFIRMED WITH TERMS AND AGREEMENTS SHOWN ON YOUR WEBSITE HOWEVER AMERICAN EXPRESS HAS REFUSED TO REOPEN MY ACCOUNT AT MY REQUEST AND ALLOW ME TO PAY THE {$25.00} FEE TO REOPEN. THE ACCOUNTS MENTIONED STILL HAVE BALANCES OLD AND I WOULD LIKE THEM REOPENED. THEY WERE CLOSED BY ME IN XX/XX/XXXX DUE TO MY REPORTED IDENTITY THEFT ISSUE MERELY TO PREVENT FRAUDULENT CHARGES THAT I AM STILL TRYING TO DISPUTE WITH AMERICAN EXPRESS. I HAVE BEEN MAKING ON TIME PAYMENTS EVEN THOUGH ALL THE CHARGES WERE FRAUDULENT TO PREVENT ANY NEGATIVE REPORTS TO CREDIT AGENCIES TO PROTECT MY CREDIT. AMERICAN EXPRESS STILL HAS NOT SUPPLIED ME WITH REQUESTED STATEMENTS TO BE MAILED TO ME FROM XXXX XXXX XXXX XXXX XXXX WHEN I REPORTED IDENTITY THEFT IN ORDER FOR ME TO DISPUTE TRANSACTIONS. I HAVE BEEN WITH AMERICAN EXPRESS SINCE XXXX. I WANT THESE TWO CREDIT CARDS ACCOUNTS REOPENED AS PER THE TERMS AND AGREEMENTS AND AGREED TO THE {$25.00} FEE TO REOPEN. AMERICAN EXPRESS REPLY TO ME WAS AT THESE TERMS NO LONGER PERTAIN TO ME. I FEEL I'M BEING DISCRIMINATED AGAINST AFTER MY REPORTED IDENTITY THEFT IN XXXX. AMERICAN EXPRESS HAS BEEN DIFFICULT AND UNHELPFUL WITH MY REQUEST TO DISPUTE ALL OF THE FRAUDULENT TRANSACTIONS. THEY HAVE BEEN AT BY SEVERAL TIMES I MUST HAVE COMMUNICATION VIA US MAIL AS MY IDENTITY THEFT WAS THROUGH A CYBERSECURITY ONLINE BREACH ACCESSING MY ALL OF MY PERSONAL AND FINANCIAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, after going over my credit reports I found several issues. I have listed them below and asked that you please help me remove these inaccurate accounts. I have included my ID and social and an FTC report. Account name : XXXX XXXX XXXX XXXX Account number : XXXX Amount : {$25000.00}

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 explanation
Consumer complaint received 2024-01-11 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: CA

Complaint narrative:
The following are fraudulent inquiries that needs to be removed : XXXX XX/XX/23, XXXX XX/XX/23, XXXX XXXX XX/XX/23, XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XX/XX/23

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 2024-01-11 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: GA

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after XXXX written requests is also evidence of their willful disregard of XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
In early [ XXXX, 2024 ], I received notification from Wise that my account, which I had been using for over XXXX years for business purposes, was suddenly closed. This closure occurred without prior warning, significantly disrupting my business operations. 

Despite numerous attempts to contact Wise and seek clarification, I was not provided with a specific reason for the account closure. The only information given was a standard response indicating a review process, with an expected wait time of a month for any further update. This lack of clear communication and transparency has caused considerable inconvenience and uncertainty regarding my business finances. 

Additionally, while researching this issue, I discovered that many other Wise customers have encountered similar problems. Numerous accounts highlight experiences where accounts have been closed with minimal or no prior notice, followed by prolonged periods ( exceeding XXXX months in several cases ) without adequate responses or resolution from Wise. 

This pattern of account closures and the subsequent lack of prompt and clear communication from Wise not only affects individual customers but also poses a larger concern regarding the company 's customer service practices and adherence to fair consumer treatment standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This company reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I XXXX review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( 12 CFR Part 1022 ), the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 ( a ) ( 4 ) and 15 U.S.C. 1681b ( a ) ( 2 ). 

Accounts : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never expressed a written or verbal consensus granting TransUnion permissible purpose to publicly report the listed accounts and inquiries. This infringes upon my privacy and rights per the Fair Credit Reporting Act ( 12 CFR Part 1022 ), 15 U.S.C. 1681b ( a ) ( 2 ), and 15 U.S.C. 1681 ( a ) ( 4 ).

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 2024-01-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( 12 CFR Part 1022 ), the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 ( a ) ( 4 ) and 15 U.S.C. 1681b ( a ) ( 2 ). 

Accounts : XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never expressed a written or verbal consensus granting TransUnion permissible purpose to publicly report the listed accounts and inquiries. This infringes upon my privacy and rights per the Fair Credit Reporting Act ( 12 CFR Part 1022 ), 15 U.S.C. 1681b ( a ) ( 2 ), and 15 U.S.C. 1681 ( a ) ( 4 ).

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 2024-01-11 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: FL

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible 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 2024-01-11 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: FL

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief