vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 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: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

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 CANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2024-04-14 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I have reached out to XXXX, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
From the last week of XX/XX/2024 to the second week of XXXX, I tried to send money through Cashapp, but it kept telling me I was unable to do so. I had eventually closed that account and opened a new account, and got the same message. At this point I was not sure if the system was hacked or what was going on, the three people I talked to suggested I pen a new account, and I said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I attempted to access my Credit Karma XXXX account via XXXX to route my tax refund into this account. Upon trying to log in, I discovered that the account was linked to a phone number I did not recognize, making it impossible for me to gain access. On XX/XX/XXXX, I first contacted Credit Karma customer service to update my phone number. Despite multiple communications, including phone calls and emails, the issue remains unresolved. 

On the same day, I received an initial email from Credit Karma confirming my request, but there has been no follow-up action or communication from their side. This has prevented me from accessing my account and, as a result, from filing my taxes, which are due imminently. 

Each interaction with customer service has ended with them stating that no one was available or authorized to update my phone number. I have repeatedly asked for a resolution or for any alternative steps I could take, yet the responses have been consistently unhelpful and have not addressed the urgent nature of my situation. 

This ongoing issue has caused significant stress and inconvenience as the tax deadline approaches, and I am concerned about the security implications of not being able to update my personal information in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: WI

Complaint narrative:
I NOTICED I HAVE A CAPITAL ONE HARD INQUIRY XXXX-2023 AS WELL AS XXXX-2023! I NEVER MADE THIS INQUIRIES. HAVE TRIED TO DISPUTE, HOWEVER I'M NOT GETTING ANYWHERE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
When I reviewed my credit report, Experian, XXXX and XXXX are reporting my personal information without my consent. I see fraud accounts, addresses, names, date of birth and more. As a consumer I've already reported these issues with FTC, CFPB and all companies more than 5 times. The companies removed my account then later attached it back on my credit report. I get back the same responses and no results. This problem and unlawful acts has been going on for more than 2 years. Please review the attached documents to support my 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 non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
I have disputed this debt XXXX or more times through the company and the credit bureaus, they continue to insist that the debts are mine, and not identity theft. I don't have the money to pay for these debts that are the result of identity theft, I have blemishes on my credit reports because of their refusal to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/11 my phone and wallet was stolen from me and my car and was used to make a purchase for {$3200.00} at a XXXX in XXXX. Once noticing the charge I immediately called SoFi bank and spoke with a rep to get the charge removed and the cards cancelled. And they filed a dispute on my behalf. I spoke with XXXX and SoFi throughout the day, asking for footage of the transaction time and as well as asking for SoFi to communicate with XXXX and giving them the direct number to contact them. XXXX was never contacted throughout this. I submitted evidence as well showing my gps locations throughout the day of XX/XX/11 to show I had not went to a XXXX by XXXX XXXX that day. The claim was closed almost the next day. And SoFi claimed to contact the merchant, but, and I have recorded evidence of this, when i spoke with the XXXX team they had no contact from anyone at all. Ive submitted a police report as well for this matter. Also when looking at the resolution email response, the transaction id, amount, and case number are entirely different then what I originally was presented with. The disputed amount now only shows {$3.00}, instead of {$3200.00}. Please assist. Someone was able to take my phone and change my PIN code via the SoFi app with no issue, and called over the phone and impersonated me and used my info to send out another card and to change the pin again and to give it XXXX XXXX access. I was rudely told over the phone that I would be unable to send in documents until the back office team gives me the chance to, I asked how can they come to a decision if there is no evidence they can view and I was told oh well thats not within my scope to answer and got hung up on immediately. Unprofessional experience

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: DE

Complaint narrative:
Dear Sir/Madam : I checked my personal consumer report and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Sincerely,

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 2024-04-14 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: DE

Complaint narrative:
Dear Sir/Madam : I checked my personal consumer report and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: FL

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. 

Account name : XXXX XXXX XXXX, Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 non-monetary relief
Consumer complaint received 2024-04-14 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: Kriya Capital, LLC
State: IL

Complaint narrative:
I pulled my consumer reports around XXXXXXXX XXXX XXXX and I notice it was errors on my XXXX, and XXXX reports. I sent a dispute to the creditor CREDENCE RESOURCE MANAGE XXXX and they receive my letter XXXX. I will attach Exhibit 1 showing when I sent the dispute. Exhibit 2 will show when they received the dispute letter. I waited well over the 30 days allotted by law. This is a direct violation 15 USC 1681i. Subject to subsection ( f ) and except as provided in section ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Exhibit 3 is the letter I sent to CREDENCE RESOURCE MANAGE. Today I'm sending out another dispute letter that I will attach also exhibit 4-5. Informing CREDENCE RESOURCE MANAGE that they went passed the 30 day period allotted by law proves they can not validate or verify this account. I will like for CREDENCE RESOURCE MANAGE to delete this inaccurate information off my consumer report immediately. CREDENCE RESOURCE MANAGE you have defamed my character, my reputation, my worthiness, and my mode of living. I was just denied for a loan because of this inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: GA

Complaint narrative:
I have reached out to XXXX, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: Westlake Services, LLC
State: GA

Complaint narrative:
I have reached out to XXXX, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.

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 2024-04-14 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: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS.

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 CANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2024-04-14 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: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

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 CANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: FL

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. 

Account name : XXXX XXXX XXXX, Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-04-14 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: CA

Complaint narrative:
I am reporting a fraudulent inquires found in my credit report XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received notification in the mail at a prior ( my parent 's ) address that my phone, legal address, and mailing address on my Capitol One account had been updated. I do not have a Capital One account and I am a victim of identity fraud. I called to notify the company that I did not make this change nor open any accounts with them recently. They confirmed that a new account had been opened and referred me to their consumer protection department.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I have reached out to transunion, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: CO

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, has violated my rights. 


15 U.S.C section 602 States I have the right to privacy 15 U.S.C. section 604 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2024-04-14 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: CO

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 has violated my rights. 


15 U.S.C section 602 States I have the right to privacy 15 U.S.C. section 604 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2024-04-14 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: CarMax, Inc.
State: GA

Complaint narrative:
I have reached out to transunion, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: Stellantis Financial Services US Corp.
State: GA

Complaint narrative:
I have reached out to transunion, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.

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 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
There are fraudulent accounts that needs to be removed from my account it's more than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I didn't apply for none of these account I did I identi theft report and no one still removed them

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