vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: GA

Complaint narrative:
Hello, these inquires and accounts do not belong to me. I have filed an identity theft report and these should be deleted immediately. 

Inquiries : 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  Accounts That do not belong to me that need to be deleted that are identity theft. 


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 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 2024-07-16 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-07-15 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: OH

Complaint narrative:
I recently ordered copies of my credit reports, and i discovered numerous accounts that do not belong to me, which means that i am not the one who opened these accounts. I am a victim of identity theft. I then mailed a priority letter containing Copies of My Current Driver license, Social Security Card, FTC Affidavit, Police report & lease or previous address XX/XX/year> to all parties listed below. XXXX XXXX XXXX XXXXXXXX, XXXX, Experian and other Fraudulent accounts reporting on my credit report that has been removed. The documents received were not attached properly to XXXX XXXX XXXX  account due to the mis handling of XXXX, Instead it was improperly reviewed & closed. The documents are with in there system File # XXXX Item # XXXX confirmation # XXXX were said to be attached to the reopened dispute since XX/XX/year> but was not until today. I have put security freezes on all secondary bureaus as well. This is hindering me

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 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX of XXXX I was contacted by Capitol One protection department about a wire transfer I sent out. I let them now that it was sent by me and that it was sent to my fiance. The representative told me that this individual was not my fiance and that they were going to investigate the matter. I informed her that this was her personal opinion to which she let me know that they were going to close my account and not do business with me. My account had over {$24000.00} in it. I also had XXXX other accounts to which she closed also on XX/XX/XXXX. I got the email about my XXXX XXXX XXXX and XXXX savings being closed but they still have not closed my business account which has the {$24000.00}. I have called multiple days each week and have gotten the generic answer that they don't know how long it will take to finish up closing the account. They have not found any fraudulent activity but its a risk for the bank. This is why they closed my account. I can't have the investigator contact information.They will not give me a time frame. I just keep getting the run around. I see why capital one has a poor review and many class action lawsuits against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: NY

Complaint narrative:
This letter serves as an urgent and final demand for the immediate removal of the inaccurate and negative entry listed below from my credit report. I have previously communicated with you regarding this matter and have yet to see the necessary corrections. The discrepancies in reporting across all three major credit bureaus are unacceptable and must be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: NY

Complaint narrative:
This letter serves as an urgent and final demand for the immediate removal of the inaccurate and negative entry listed below from my credit report. I have previously communicated with you regarding this matter and have yet to see the necessary corrections. The discrepancies in reporting across all three major credit bureaus are unacceptable and must be rectified immediately.

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 2024-07-15 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: Block, Inc.
State: CA

Complaint narrative:
My XXXX is XXXX, I share XXXX of him. He was somehow able to get a Square XXXX Account. He started charging my credit cards to his vendor account, a XXXX XXXX  buisness. " XXXX and XXXX '' in XXXX California, He charged many of my credit cards. So i called Square to see who set up the account, if he set up the account or was he using my identity to set up and account? I tried twice on line and documented my efforts. Square alleges they can not locate who has the account unless i provide them with an email address linked to the account. Square got my email address and promised to follow up, they did not. I tried online support again and again they said there was nothing to do but to file a police report. I wanted to know who to file the police report against. Why is a XXXX child allowed to set up a credit vendor account. Has he charged other credit cards that are not mine. This is very irresponsilbe. I don't believe they can not locate this account that has charged XXXX of dollars that i had to dispute with my credit companies. Square is being irresponsbile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Have been charged a $ XXXX monthly maintenance fee for the past XXXX months. When I upgraded my account XXXX  years ago due to a high balance, I was told if my account dropped below the minimum amount, I would lose the benefits associated but there would be no fees. 
When I called I was told that their policy changed in XX/XX/year>, and they would start charging fees. I was told they likely sent an email about this but there would have been no acknowledgement. 
I asked them to refund the past XXXX  months fees and get the account switched to one without a monthly maintenance fee. 
The rep/supervisor said they could remove the last XXXX months fees but could not refund the other XXXX due to system limitations. 
I asked if this was a matter of policy or simply a limitation of their software and they said its not a policy thing its just that the system wont let them, and it is what it is I explained this was not a satisfactory explanation for why I am being charged a monetary fee and they are unwilling to refund it, and she responded that it isnt that she is unwilling to, the system just wont let her. I then asked to speak to someone who has the ability to do so, and she said no one can. I asked again to clarify, that no one who works for the bank has the authority to do so and she said they did not. 
This fee was never something I agreed to, and when I enrolled in this account I specifically asked about fees, and was assured I would not be charged any, and my account would automatically switch to a lower tier.

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 monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recieved my credit report from Experian and have two accounts that have positive account activity but they are not my accounts. The one is XXXX XXXX XXXX and XXXX XXXX  Both of these positive accounts do not belong to me.

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 2024-07-15 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: GA

Complaint narrative:
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 THESE ITEM ON MY CREDIT REPORT NEED TO BE REMOVE DUE TO 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 2024-07-15 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: GA

Complaint narrative:
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 XXXXXXXX THESE ITEM ON MY CREDIT REPORT NEED TO BE REMOVE DUE TO 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 2024-07-15 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: VA

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. 

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 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, has violated my rights. 

15 U.S.C 1681 SECTION 602a. : STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604A. : 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 CONCUMER REPORT CONTAINING ANY OF THE FOLLWOING 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 non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/year>, I attempted to get into my Experian account. I was informed repeatedly my password was incorrect and I was instructed to change it. I tried NUMEROUS times to change my password, but each time I was told it was incorrect. I tried calling their help line. There was ABSOLUTELY no way I could reach a person to assist me. I then emailed them asking for assistance. It too, was a merry-go-round. Never was I able to connect with a person who could respond. I remain locked out 5 days later and have been informed by the loan officer I am working with that they will close out my loan application if I don't resolve my issue with Experian. One issue that may be making it difficult for me to negotiate their site is the fact I can't enter my account to check to see if they have my cell number. Please get this business to contact by phone XXXX XXXX XXXX or text XXXX XXXX XXXX or email me 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 2024-07-15 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: CO

Complaint narrative:
Recently Purchased A Copy of my consumer credit report and learned that I have ( XXXX ) unauthorized hard inquiries hurting my credit report. I did NOT authorize anyone to MIs-REPORT or fraudulent use my social for any purpose or matter without my written consent please remove immediately. 

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 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 2024-07-15 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: CO

Complaint narrative:
Recently Purchased A Copy of my consumer credit report and learned that I have ( XXXX ) unauthorized hard inquiries hurting my credit report. I did NOT authorize anyone to MIs-REPORT or fraudulent use my social for any purpose or matter without my written consent please remove immediately. 

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 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 2024-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
XX/XX/year> I was served by a sheriff to be summoned to court Collection agency is trying to sue for a debt Patenaude & Felix A.P.C. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> I have contacted legal services in regards to this case Please note that this collection agency added me to a subscription text messaging service. There are three text messages from this company. I never subscribed or asked to be added to text messages from this company. 

That is also in violation of rights I am requesting that Patenaude & Felix A.P.C. just stop and sees and assist from any further actions brought forth to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint : - **Name : ** XXXX XXXX XXXX - **Date of Birth : ** XX/XX/XXXX - **Social Security Number ( last XXXX digits ) : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX, FL XXXX **Background : ** On XX/XX/XXXX, EXPERIAN deleted the following information from my credit report : was confirmed. 
**Reinsertion Incident : ** Despite the clear provisions under Section 611 ( B ) of the FCRA , which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that EXPERIAN has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion. 
**Impact : ** This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products. 
**Request for Resolution : ** In accordance with the FCRA, I request the following actions to be taken : 1. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report. 
2. Ensure that EXPERIAN complies with the notification requirements outlined in Section 611 ( B ) of the FCRA.

3. Correct my credit report by removing the reinserted information promptly.

**Supporting Documents : ** Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with EXPERIAN ] regarding the original deletion.

- Copies of my current credit reports highlighting the reinserted information.

- Any other supporting documents deemed necessary to investigate this matter.

**Contact Information : ** Please feel free to contact me at the above address or by phone at should you require any further information or clarification regarding this complaint.

I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA. 
Sincerely, 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