vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
This medical debt was accrued as a minor. A minor can not legally enter a contractual obligation in the states where this debt was accrued, a parent or legal guardian must sign the service and payment agreement. This agency is attempting to collect a debt NOT from the original owner of the account, but of the minor involved AFTER that minor turned XXXX. The debt was accrued in XXXX of XXXX. The minor was XXXX XXXX XXXX. The collection agency opened a collection account against the ( former ) minor in XXXX of XXXX, when the ( former ) minor was XXXX XXXX XXXX. This collection agency has tried to contact the ( former ) minor multiple times before they eventually blocked all phone numbers associated with the company to stop the harassment. The alleged owner of the account never received any written information before OR after the harassing phone calls about the debt, ownership details, amount details, or that the collection was reported to the three major credit bureaus. The alleged owner had to discover this account on their credit report after being denied a line of credit from a lender. The alleged owner did not have any knowledge before the phone calls that this debt had not been paid or turned over to collections ; there has been no written correspondence to the alleged owner ; and the alleged owner does not believe they are obligated to pay the debt since it was accrued when they were under the age of majority within the state the debt was accrued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
These inquiries are fraudulent and I didnt give permission for these companies to run my credit. I called and asked for signature disclosures for these companies. These companies couldnt provide me disclosures that I have to sign before running my credit for permission to run my credit. This is defamation of character as I already have a car and they keep running my credit for car approvals.

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 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
These inquiries are fraudulent and I didnt give permission for these companies to run my credit. I called and asked for signature disclosures for these companies. These companies couldnt provide me disclosures that I have to sign before running my credit for permission to run my credit. This is defamation of character as I already have a car and they keep running my credit for car approvals.

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 2022-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Complaint is against Navy Federal Credit Union. XXXX of XXXX I was notified that I was being sued for an auto debt of around {$8000.00} originated in XXXX and a credit card debt of around {$800.00}. Navy Federal had passed the debt to the Collection Agency XXXX XXXX XXXX in XXXX where it remained until the accounts were closed due to the Auto debt reaching statute of limitations XX/XX/XXXX and XX/XX/XXXX. No further contact had taken place until XXXX, XXXX wherein Navy Federal had found my current residence in South Carolina using the law firm of XXXX XXXX Case # XXXX. XXXX XXXX has claims Navy Fed still has the right to sue despite how old the debt is and is currently attempting to change jurisdiction from XXXX XXXX, CA to XXXX, SC. On XX/XX/XXXX I received a text for an appointment to be served. When XXXX XXXX was contacted, they claimed it was a mistake but is still in the process of changing jurisdiction. This is causing a tremendous amount of stress for myself and my family under threat of being sued for these debts that are very old and past limitations. I'm currently awaiting mail from XXXX XXXX explaining Navy Federal justification. XXXX XXXX has also stated that the debt will also increase just because I no longer live in the XXXX XXXX jurisdiction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX act USC 1681 section 602 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
USC 1681 section 604 Did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission. By law they need written permission. They did not provide verification to me. They didnt verify via mail or electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Concerning complaint # XXXX I am grateful that BofA removed my SSN from XXXX XXXX XXXX XXXX XXXX Irrevocable Trust , a 501 ( C ) ( 3 ) tax exempt XXXX XXXX XXXX As a XXXX  XXXX with a XXXX XXXX XXXX number, I know exactly how it's supposed to be listed and registered. 

Legally, the companies final response was incorrectly addressing the XXXX XXXX and it's subsidiaries as being mine. I must emphasize that I do not own them and I volunteer for them. 


I have an issue with the reasoning behind my SSN being incorrectly used and the XXXX XXXX funds being released as mine to XXXX XXXX of XXXX XXXX because I was denied much needed services. 

Because of this, my credit score was negatively effected, my renters credit was negatively affected. I had to request financial aid from the church I volunteer at as the XXXX XXXX. On top of this, all three entities couldn't do business. 

The legality and fall out from the excuse given is quite extreme. 

The excuse that BofA had a technical error brings up a much larger question. 

How many other accounts are incorrectly entered? 

How can customers be sure this won't happen to them? 

Was this discrimination against me or are accounts purposely being entered incorrectly for the benefit of someone? 

What kind of a technical error would just effect the XXXX XXXX accounts and not others and why, after my countless efforts with in person meetings with the local bankers and hours on the phone with representatives did it take 6 months to fix? 

What about others who bank with BofA? Will there be a mass exodus from BofA because of such a mistake? 

How did this happen and what is preventing it from accidently happening again?

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 2022-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
The company responded on XX/XX/2022. Venmo after agreeing on what the payments were marked and accepted as on behalf of the organization accuses that payments were instead of gifts and donations for XXXX XXXX containing XXXX, XXXX, and/or other XXXX. Those prohibited activities as Venmo alleges to justify violates of use were never conducted by the account holder. The account holder never asks XXXX buyers to note their payments as gifts but indeed accepted gifts and donations which were to clarify why those gifts and donations were accepted instead of purchases for items. Venmo 's decision to cease offering services permitted in violation of its USER Agreement is in discrimination since XXXX makes a distinction between what was the purpose of the receipts as marked The account holder will not choose liability for discrimination by Venmo which has clear evidence of what payments were received for according to its notation and is not indebted which is illegal. Venmo has not received any correspondence between the account holder and alleges customers of illegal substances. Venmo has receipt receipts as stated before noted as " Gift '' or " Donation '' as the account is for non-profit purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have tried contacting the bank on several occasions, only to reach a voicemail. I leave messages for someone to contact me, but never hear back. This bank needs to return the fees they have taken. There are senior citizens and people living paycheck to paycheck & they continue to rob people out of outrageous fees. They owe me several {$35.00} fees and several fees from not being able to use their atm. If someone has an emergency, they are refusing to allow you to access money. They have an excuse that it's @ the banks " discretion " and they can't do anything about it. I'm tired, as I'm sure others are of hearing excuse after excuse.

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 2022-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
I bought my prepaid XXXX  at the store and loaded XXXX dollars. I went to load it and it gave me the error message shown in the attachment. I called Netspend the automated system asked for the card number and social. When I put my social of course it said not found. When I bought the card social or name wasn't given. I spoke to thr 1st rep they rerouted me to the same automated system. They are refusing to activate this card yet they took my money and they wan na endlessly route me to the automated system.

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 2022-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Bank ( USA ), N.A. ; Capital One, N.A. ; Capital One Financial Corporation ; Capital One Services, LLC ; addresses XXXXXXXX XXXX XXXX  XXXX, XXXX, VA XXXX and XXXX XXXX XXXX illegally pulling my XXXX, XXXX and XXXX credit reports as credit inquiries. At this time I do not have any credit card or loan accounts with Capital One Bank ( USA ), N.A. and this bank is not authorized to pull my credit reports without my consent. Which is a violation of FCRA Act. It appears Capital One Bank illegally pulled my XXXX, XXXX and XXXX Credit reports on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. 

As of XX/XX/XXXX, the balances on accounts ending in XXXX and XXXX were waived, removed and deleted from all three major credit Bureaus XXXX, XXXX and XXXX. Therefore there is no debt that gives Capital Once Bank N.A. rights or authoirization to pull my credit informatioin without my consent. 

Full disclosure, I do have a Capital One Auto Finance account number XXXX. Their address is XXXX XXXX XXXX XXXX, TX XXXX. Per my credit report Capital One Auto Finance pulled my credit report on XX/XX/XXXX. Which Capital One Auto Finance is a separate entity and subsidiary on the parent companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
I would like everything to be disputed

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 2022-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had open a previous complaint about chase and chase add documentation and one of the documnetation showed that my account was closed at the end of XXXX to the first week of XX/XX/XXXX And the documentation also stated that they closed my account do to information they received from XXXX If that was the case why chase has been reporting information to XXXX XXXX XXXX  Which is showing a amount of XXXX that went thre the account XXXX I never had a account with chase in XXXX so were is this report coming from with this amount of money. I have attached a copy of my XXXX XXXX  report from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a letter from XXXX XXXX XXXX, XXXX regarding a credit card account which is in collections. I have not nor applied for that account. It is neither showing up on my credit report nor my husband 's? The company reporting the collection is Capital One which was XXXX prio. Is this a scam? If so, I will be reporting this matter to legal authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The following Credit Bureaus are in violation of the FCRA Act 601 ( a ) ( 1 ), & ( 611 ), 623 ( a ) ( 5 ), Also FCRA Compliance Date Act. Experian, XXXX, XXXX. along with Collections Agency, ( XXXX XXXX XXXX, response to CPFB response XXXX reference number XXXX ). 
All attached evidence of Violations and inaccurate reporting on this account is provided on the account in question. ( See Attached ) XXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A response was received by CFPB by XXXX XXXX XXXX in reference to XXXX XXXX XXXX, which clearly stated in the response the " Date of First Delinquency '' for this Account XXXX, is XXXX XXXX? ( see attached ) XXXX is reporting on my credit file the " Date of First Delinquency '' for this same Account is in question XXXX XXXX XXXX XXXX XXXX? ( see attached credit file ) XXXX is NOT reporting any Required according to FCRA Compliance Date, '' Date of First Delinquency '' on my credit file which is required for reporting? ( see attached ). 

Experian is NOT reporting on my credit file the " Date of First Delinquency '' for this account as required by FCRA Compliance Date ACT. ( see attached credit file ) The FCRA Compliance Act not only Requires the " First Date of Delinquency '' to be reported on the credit file, but also Required the reporting " Original First Date of Delinquency '' to be the same and can not be changed in all reporting agencies, It is illegal to re-age the account date which is a serious committed violation. 

Also, XXXX XXXX XXXX, on behalf of XXXX XXXX has NOT provided the required information, which was requested to validate the account. Submitted Monthly statements, and the agreement contract, does not substitute the requested documentation agreement that bears the " SIGNATURE of the alleged debtor wherein he/she agreed to pay the creditor.This information has not been received, and is vital since a serious violations of the original first date of delinquency differs in the credit reporting bureaus on account in question. 

Experian is reporting on my credit file in reference to the same account XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX, A Balance of {$930.00}, A Status of serious past due, assigned to attorney collection internal agency, BUT REPORTING ACCOUNT IS PAID OFF on credit file ( see attached ) with no original date of delinquency reported on account this is a requirement according to FCRA Laws.

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 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The two times I borrowed money from the institution XXXX XXXX XXXX, I happen to look at my credit report and its says on there that Ive been 30 days and 60 days late with XXXX XXXX XXXX when I havent been late even one time. 

Late 30 days on XX/XX/XXXX Late 30 days on XX/XX/XXXX Late 60 days on XX/XX/XXXX Late 30 days on XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The two times I borrowed money from the institution XXXX XXXX XXXX, I happen to look at my credit report and its says on there that Ive been 30 days and 60 days late with XXXX XXXX XXXX when I havent been late even XXXX time. 

Late 30 days on XX/XX/XXXX Late 30 days on XX/XX/XXXX Late 60 days on XX/XX/XXXX Late 30 days on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The two times I borrowed money from the institution XXXX XXXX XXXX, I happen to look at my credit report and its says on there that Ive been 30 days and 60 days late with XXXX XXXX XXXX when I havent been late even one time. 

Late 30 days on XX/XX/XXXX Late 30 days on XX/XX/XXXX Late 60 days on XX/XX/XXXX Late 30 days on XX/XX/XXXXXXXX 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 2022-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
Reference/Account # XXXX Not my problem and if you make it my problem, I will sue youi for way more than the collection if this reflects on my credit. 
The Director of XXXX XXXX returned these uniforms herself. 
Who is sitting in this office filing this XXXX with ZERO communication to me?? No phone calls, no emails, no texts, ect.!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I intended to purchase goods from a user on CashApp, I was going to purchase 2 concert tickets and transfer only half of the amount for one ticket in good faith to ensure the transaction was legitimate. The person took the money, and never sent the ticket which is a dispute concern of no merchandise received. When I attempted to request the money be returned, the user then refused and blocked me. I went through cashapp and submitted a case for review reference ref : XXXX via email. After telling them what their responsibilities are in reference to the updated info supplied by the CFPB regarding XXXX companies and their due diligence to consumers regarding the EFTA laws they chose to state they are not responsible and closed my case out stating it had been more than 3 days since they received a response from me when that was not the case and all of this took place in one day on XX/XX/2022. They are flat out ignoring federal law and their own due diligence. They refuse to even investigate or initiate a chargeback even after I presented them with links from the CFPB website regarding their responsibilities. The amount was for {$55.00} dollars on XX/XX/2022 and the funds were taken from a XXXX card which has rights to dispute under chargeback reason code merchandise not received. It will be disputed now through my bank for this purpose since the merchant refuses to take any action at all to protect me as a consumer in this situation. More consumers will be taken advantage of if nothing is done to hold entities like this accountable for their blatant lack of action or regard for the law. Thank you for your time, I am here if any further information is required as I have the email chain with CashApps manager I spoke with, the chat chain with their representative, and proof of conversation with the alleged seller of the concert tickets in regard to what the agreement was to be regarding the sale of said item. Have a wonderful day.

Company response to consumer: Closed with explanation