vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 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: TX

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
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 XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

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 2024-07-10 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 have several inquiries on my Equifax report that I do not recognize. The Equifax Breach has caused detrimental effects to my credit and score. 

INQUIRIES : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX I also have a very large fraudulent account on my credit from ( XXXX XXXX The amount is for over {$8000.00} I don't know the exact amount because it's different depending on the report ) I have included a copy of the erroneous report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: NY

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and 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 2024-07-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. 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 2024-07-10 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: SC

Complaint narrative:
In accordance with the fair credit reporting act the accounts listed below have violated my rights as a consumer. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX accont XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account 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 2024-07-10 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: SC

Complaint narrative:
In accordance with the fair credit reporting act the accounts listed below have violated my rights as a consumer. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX accont XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account 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 2024-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MS

Complaint narrative:
I contacted CashApp this morning at XXXX XXXX. Concerning a fraud that happened with a purchaser giving out false information about purchasing a vehicle. They asked me to give specific details concerning the interactions with the purchaser and once the information was given out. They proceeded to tell me it wasnt much they could do. Because they didnt have much information about the person. Even though they accessed my account and were able to see everything. After the conversation was ended with them. I searched online of how I could further my dispute with CashApp. On the website CashApp provided a number XXXX XXXX of how they could help you dispute a transaction from CashApp if you were a victim of a scam.I called the number and told the representative ( XXXX XXXX of my situation. He told me that he could most definitely help me. Then he told me to download an app from my XXXX XXXX. The app is called XXXX XXXX XXXX. He said by me downloading it would make it much easier to lead me step by step with helping with the refund. He had to go into my CashApp to verify it was me. He then asked for banking information. He asked for me to go into my savings account and to send money to my CashApp. The total was $ XXXX that was finished. He then asked for my mothers cash app information. All while saying it was a procedure to receiving my refund from the previous issue.After that He had me to go into my contacts with CashApp and request people for money while stating ( wasnt real ). It was only a procedure. He also had me to call them saying that he would call them to verify it was me. For procedures to receiving my refund. Once that was finished the money that was taken from my bank. He asked me to go into XXXX on CashApp ( Procedures ). And to put they amount I had on there and confirm it. He told me it was not real but all the steps. I needed to follow. He left me the number which I stated previously to call back to if we lost connection. When I tried to call back it said the number was unreachable and disconnected. When I called the Cash app helpline and told them XXXX of their representative scammed me. They told me it wasnt much they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have applied for an assumption loan after a divorce with full cooperation of my ex-husband. I started the process in XXXX. Since that time to date I have exchanged about XXXX emails back and forth. Each time additional documentation is need by US bank for a simple removal of my ex 's name for a loan I have been paying since XX/XX/XXXX on my own. I have given multiple statements from my banks, investment companies, paystubs, ect They continue to push out my request and then need me to resend updated information. I have a very high credit score, this is a small loan at this point and I have good income. There is no reason for the delay. I was told it would have been easier to just refinance for the loan, which would be about XXXXXXXX XXXX  higher interest rate. 

First email sent XX/XX/XXXX. subsequent emails have gone back and forth. Repeat requests now being asked for, many being unrealistic ( ex husband 's paystub and a XXXX transaction between the XXXX of us in XX/XX/XXXX ) XXXX verifications that XXXX has been paid, updated paystubs from my employer, which I have been securely employed with this company for over 10 years, Fidelity terms of withdrawal, XXXX US bank is clearly very biased against single woman. I have proven over and over again I can, and am, paying my loan every month without fail. They would never ask this of men.

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 2024-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I have an account with a venmo and I've been having continual problems with my account security I've asked venmo secure my account and any means that they can and I just can't seem to apparently either can't do it or don't want to do it. 
I've been having problems getting cards takes longer than a week to get a venmo card sometimes I've asked them to XXXX the card and we done it once for me I never did it again I'm only had a card for as long as 2 days and somebody's already hacked into my account I need my account secure and I've asked them to secure my account many times not only that they're not giving my funds back in a timely manner is saying it takes 10 days and I know most banks will do it in XXXX day. I don't know what they are doing and I've been trying to keep track as the money comes in they've said that they credited me my money but I've only seen it once and I really need to have this audited by somebody other than myself because they think that I'm lieing to them.. I do not trust this company and I find them very unreliable as far as giving back my money or give me a card quick enough so that I can able to use my funds. I need this address as quickly as possible and I'm complained continually about this company and if I have to take this to social media on XXXX on XXXX on XXXX XXXX XXXX whoever I have to do to get this company in line and they can secure my account. Can you please find some way to audit this credit cuz I don't believe that they've been crediting me like they say they have been. I don't believe it takes 10 days to get my money back even though I've been credited some things at times but I'm still waiting for {$500.00} credit just recently had a {$50.00} credit which I saw but I have yet to see my {$500.00} credit this happened about a week or XXXX ago and I see no point on what they're trying to do. I need this company audited by somebody other than myself but I don't think they're truthful They still have paid me back money stolen from me yet. Any bank immediately pays the money back. I want this company audited they are not being truthful about paying money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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:
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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is reporting inaccurate information on my reports and they keep reporting it. I have disputed these accounts several times before but they have failed to delete this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! =

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
I wrote Ford Motor Credit two letters asking for information regarding the fraudulent account that was opened in my name. I firs contacted them on XX/XX/year>, there was response. I then wrote another letter on XX/XX/year>, still no reponse. The account was open in another state that I do not reside or live in. I did not authorize no transactions with ford motor credit. I would like for the account to be removed immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: FL

Complaint narrative:
Please check the documents I've sent in regard to the unauthorized inquiries that showed up on my credit report after I checked it this afternoon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: MO

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 non-monetary relief
Consumer complaint received 2024-07-10 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: FL

Complaint narrative:
I am writing to formally dispute several credit inquiries on my credit report that I did not authorize. These inquiries are affecting my credit score and do not reflect any credit activity initiated by me. I am a victim of identity theft, and these inquiries were made without my consent. 

Below is a list of the unauthorized inquiries that I have identified on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CT

Complaint narrative:
I sold a vehicle to a private party in XX/XX/XXXX. After selling the vehicle I cancelled the registration and insurance a few days later. The vehicle was then involved in a motor vehicle accident 2 years later, on XX/XX/XXXX. XXXX claims I am liable for damages as a result of the XXXX accident and AFNI has been calling me and sending collection letters to me on XXXXXXXX XXXX behalf. I have spoken to representatives at AFNI on several occasions and emailed them proof of the cancelled registration/insurance, twice. On a follow up phone call, they claimed my name was cleared from the claim, yet I continue to receive threatening letters from them.

Company response to consumer: Closed with explanation