vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 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. 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 can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, I visited XXXX and redeemed a XXXX for a Couple 's Massage ; I paid {$120.00} for the XXXX, with the XXXX 's Original Price being {$490.00}. I presented the XXXX code at checkout, clearly specifying I wanted a tip of 20 % to be added on the " AMOUNT PAID, '' - XXXX. An associate, XXXX, charged my debit card on file ( for what I believed to be {$25.00} ), yet she never asked me to sign a receipt, nor provided an immediate receipt, although I expected her to send one to my email address on file. The following day ( XX/XX/year> ) when checking my checking account statement, I still had not received a receipt ; however, I had noticed that {$68.00} had been charged instead. The charge was still marked as a " pending transaction '' and had not yet officially posted to my account. I immediately emailed XXXX, asking them to fix the mistake and apologizing for any inconvenience that may have been caused. I also sent a text via XXXX which showed it was delivered. They did not email back, nor text back, to fix the incorrect charge. I opened an Unauthorized Transaction Dispute with Navy Federal that day, XX/XX/year>. The dispute was closed two days later, with Navy Federal stating it appeared I was charged the " correct amount ''. I spoke to a Navy Federal supervisor, asking for details ; she stated that they needed an itemized receipt from the merchant to reopen the dispute. I received a receipt from XXXX on XX/XX/XXXX and emailed XXXXavy Federal the same day, via secure message, with a copy of an itemized receipt from XXXX, along with a copy of my XXXX receipt showing the Amount Paid that the 20 % tip was to be added to. The Itemized Receipt from XXXX clearly shows that I never signed/never authorized this transaction ( the company did not take my signature for this transaction ; there is no signature on the receipt. ) I also sent copies to Navy Federal of my email and text message to XXXX XXXX which I reiterated I had sent while the charge was still pending so XXXX could resolve before the payment had posted ). XXXX intentionally did not resolve the incorrect charge, nor did they email or text back to remediate the issue. I sent a follow-up message on XXXX XXXX to Navy Federal with a copy of all documentation to easily access in one message, and I asked them to reopen my dispute immediately. Since then, I have spoken with Navy Federal agents, and it appears that nobody has taken any action to reopen my dispute, nor respond to my emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Perpay, Inc.
State: MS

Complaint narrative:
I went on line to per pay they gave me a line of credit they said once I paid the initial {$330.00} by pay day XXXX  I would get my product as of todays date I never got the product and they kept my money and would not refund it I canceled cause they would not send product and it was 3 months of waiting as of todays date my money has never been returned

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Good evening, All my accounts at XXXX XXXX  ( including the accounts that my kids opened at age XXXX with me were suddenly put on hold/frozen and debited the amount of ( negative ) - {$16000.00} on Thursday, XX/XX/year>. I only found out because I got paid my $ XXXX a couple days prior and I was trying to send my car note payment & pay my utility bills totaling about {$1400.00} on that day but wasn't able to do it. I called XXXX XXXX  & was transferred to another department where they told me that there was a legal hold for 2 years for that amount. They informed me that the law office of Blitt & Gaines and their Collection Agency with CASE # XXXX placed a legal hold on my account for the amount of {$9500.00}. XXXX then proceeded to threaten me, telling me they can escalate the situation, saying the hold should be twice the amount ( {$19000.00} ). I told them I don't understand this as I have not received anything from these attorneys explaining this debt, and much less information giving me options of things I can do to prevent this. I could have done something about this if I was informed that this was going as I already have an attorney that can represent me but.... that did not happen. They froze my accounts & the accounts of my sons, XXXX  ( XXXX ) who had {$2000.00} saved to pay his University tuition and XXXX  ( XXXX ) who was receiving his {$1200.00} ( XXXX - direct deposit check ) the very next day. This has caused great turmoil making it impossible for us to use the little money that we have to pay our bills and our rent. 
Please trust that I am not a consumer that has money & just refuses to pay. I am a single mom/consumer who has struggled to survive XXXX XXXX XXXX  abuse after my divorce, with no alimony and no child support. Covid affected my entire financial situation while I raised my XXXX boys by myself ( as their father was not involved because of his XXXX XXXX  ). I lost my house to foreclosure, I lost my business, and I continue living with family and friends while I work to regain my financial independence eventually. 
Thank you for taking the time to read and to help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I just found out that for almost 7 years credit acceptance corporation is adding to the balance every month. I haven't had this car for years. They weren't up front about how much the interest would be and they preyed on me. On top of that they report to the credit agencies every month. The account should have been closed when they repossessed the car. I am going to get an attorney 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 monetary relief
Consumer complaint received 2024-09-07 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: GA

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 # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX  # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX 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 2024-09-07 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: FL

Complaint narrative:
My information was compromised and my identity was stolen since then I have too many reviews in my report which I do not recognize since they are fraudulent. And trying to solve this problem with the companies and they don't give me an answer even in writing. 
XXXX XXXX  Inquired on XX/XX/year>, XXXX Inquired on XX/XX/year>, XXXX XXXX XXXX Inquired on XX/XX/year>, XXXX XXXX XXXX  Inquired on XX/XX/year>, XXXX XXXX Inquired on XX/XX/year>

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 2024-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: FL

Complaint narrative:
This is regarding an Amerprise financial card that belonged to my late father XXXX XXXX XXXX. I no longer have the card, just the last XXXX digits. My father and I tried for years to make changes and cancel this card. I was an authorized user on the account. We thought it was cancelled as we had not used it for years. However, they did not close it and continued to let charges go through on it. I called numerous times after he passed but they still would not let me cancel it. They told me each time I needed to put this dead man on the phone. I called again last month after receiving another bill showing they charged him another annual fee of {$150.00}. They know he died and this card is not being used. They also charged him {$150.00} the prior year and I don't know how many years prior. I cashed out the points which I was forced to deposit into the account with no other options which were over {$3000.00}. I told them to refund the {$300.00} for " membership fees. '' Today I received a letter saying the account had a balance of {$2400.00}. They stole {$600.00} from the account on top of the membership fees?? They owe us {$3000.00} and change plus the {$300.00} in membership fees. I called again today and just got transferred from person to person would not help me. 
This is 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 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My checking account was fraudulently charged XX/XX/XXXX {$100.00} at a XXXX. I immediately canceled my debit card as this charge was not recognized. On XX/XX/XXXX, I reached out to School 's First Federal Credit Union to open a dispute. They provisionally refunded me until they completed their investigation. The investigation was completed XX/XX/XXXX and they charged my account, stating the card and pin were used. This was impossible, however, as the card had been with me 100 % of the time, and I was even out of town the day the charge occurred ( XX/XX/XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX -Balance {$14000.0XXXX 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 2024-09-09 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX -Balance {$14000.00} XXXXXXXX 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 2024-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I called the following collection agencies regarding the accounts on my credit report. collection accounts un LVNV, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX are reflecting Open and showing past due balances. I also have documentation from LVNV - Resurgent charging interest on account that should be closed due to write offs from original lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: NTFN INC.
State: FL

Complaint narrative:
There is a list of companies that have access to my credit report and they send me unsolicited offers by mail or phone that I did not request. Promotional 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Untimely response
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Loandrone, Inc.
State: FL

Complaint narrative:
There is a list of companies that have access to my credit report and they send me unsolicited offers by mail or phone that I did not request. Promotional 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-07 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I have emailed four letter asking for Portfolio Recovery to provide me with debt validation and an assignment contract. The last certified letter that was sent was on XX/XX/year>. I have not heard back from the agency at all. They have added a debt on my account in the amount of {$2300.00}. The balance on the debt continues to increase monthly and I know that I am not responsible for this debt, however, the agency refuses to respond to my attempts to contact them. They just increase the amount monthly. I have tried calling the number listed for the agency but have yet to speak to someone that can validate that this debt is something that I am responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: OH

Complaint narrative:
XXXX XXXX, XXXX : XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal mobile phone account opened at XXXX XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$3200.00} ). This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation