vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-27 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I was researching new cards for a potential balance transfer. My research showed the Citi Simplicity card might be a good fit. I could not get any information about credit limit thresholds so ended up unintentionally applying for the card while trying to get this information. I was approved for the card with a balance limit of {$3000.00} - much lower than what I was looking for. I did not realize I was applying for a card. Now I have a credit card that does not meet my needs and I risk impacting my credit score if I close it. I asked Citi to increase my credit limit and they declined telling me I need to have the card in good standing for 6 months before they can do this. I asked them if they could consider my existing Citi card and match the balance and they told me the fact I have another card, despite having a XXXX balance, this is why they can not approve my credit increase request. Consumers need to have information about credit limit thresholds made available before applying for cards. I would not have applied if I could have obtained the credit limit 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 explanation
Consumer complaint received 2023-08-27 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: NJ

Complaint narrative:
Talked to XXXX after I saw my XXXX credit score dropped XXXX points, which disqualifies me from getting a mortage I urgently need. I am forced to either buy the house I leave in or evacuate the premises with XXXX children by XX/XX/2023. 

XXXX explained to me what triggered this, which make my credit score below XXXX which I urgently need to apply for a mortgage. 

There were 2 hard enquiries on my credit score check that I was not aware of and that I never authorised with institutions I did not contact 1 ) XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX : XXXX XX/XX/ Please help me asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
Please note that this company name Roosen, Varchetti & Olivier PLLC. XXXX XXXX, MI XXXX ( case no XXXX ) on a five years credit brought from XXXX XXXX. Also note this company refuse to give me a settlement pay off because I am having a financial hardship because of a XXXX XXXX XXXX XXXXXXXX and my work hours are reduce and force low income worker to pay debt in full by taking the money out of my pay check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: CA

Complaint narrative:
Introductions : Federal Legal Standing and factual evidence XXXX in violation of my Private Rights and federal law 15 U.S.C 1681, 15 U.SC. 1861i. I am a natural Person ; I am a living begin. I have rights Under 15 U.C.S 1681 XXXX is governed by 15 U.S.C 181. 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 U.S.C 1681. Has Violated my rights. 

1. Account Name : XXXX XXXX  / Account number # XXXX 2. Account Name : XXXX XXXX XXXX Account number # XXXX 3. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX 4. Account Name : XXXX XXXX / Account Number # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX 6. Account Name : XXXX  Account Number : XXXX XXXX 7.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 8 . Account Name XXXX XXXX XXXX XXXX Account Number # XXXX Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting 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.

According to 15 U.S.C 1681, I have the Right to Privacy, and I did not give Experian written permission to furnish theses accounts. By doing so this is a direct violation of my right to privacy and a direct volitation of federal consumer law, put in place by Congress.

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 2023-08-27 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: PA

Complaint narrative:
There are hard inquiries from several companies I do not recognize. 
Such as, 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 2023-08-27 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: PA

Complaint narrative:
There are hard inquiries from several companies I do not recognize. 
Such as, 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 2023-08-27 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: MA

Complaint narrative:
XX/XX/XXXX XXXX Payment of {$57.00} on XXXX XXXX XXXX 

Also XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Missed payment due to no phone access. 

XX/XX/XXXX XXXX Contacted Credit Company ( TransUnion ) and will not help dispute.

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 2023-08-27 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: PA

Complaint narrative:
There are hard inquiries from several companies I do not recognize. 
Such as, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: PA

Complaint narrative:
I am writing to register another formal complaint regarding the unresolved matter of a medical collection debt associated with my account, currently being pursued by Wakefield & Associates. Despite my previous attempts to address this issue and your company 's failure to adhere to consumer protection laws and guidelines, this unjust and incorrect entry continues to tarnish my credit report. 

In XXXX, I lodged a dispute with the Consumer Financial Protection Bureau ( CFPB ) concerning the medical collection debt under your agency 's name. Regrettably, the matter was not resolved successfully, necessitating further action on my part. On XX/XX/2021, I sent a certified letter to your agency, requesting the following documentation be provided to me within 30 days : Proof that my HIPAA rights were not violated during the debt collection process. 
Detailed itemized billing statements pertaining to the debt in question. 
Any contracts or agreements with my signature that validate my responsibility for the debt. 
Despite my efforts to engage in a transparent and compliant process, Wakefield & Associates failed to respond to my certified letter and provide the requested documentation within the stipulated time frame. This blatant disregard for consumer rights and protection only serves to exacerbate the issue. The item in question remains on my credit report, despite my persistent efforts to ensure its accuracy and compliance with the law. 

It is my legal right, under relevant consumer protection laws, to receive the information I requested in writing within the specified 30-day period. Furthermore, these requests for information should have been extended not only to me but also to the credit reporting bureaus, as mandated by law. Your failure to fulfill these obligations puts your agency in direct violation of my consumer rights. 

I wish to reiterate that the credit reporting agencies confirmed receipt of your verification of the debt. However, this verification does not absolve Wakefield & Associates from the obligation to provide the requested information within the stipulated time frame to me in writing. Therefore, I insist that you take immediate action to rectify this situation by removing the inaccurate and unjustified entry from my credit report. 

I expect to receive written confirmation of the steps taken to address this matter within 15 days from the date of this letter. Failure to do so will compel me to escalate this complaint further, including seeking legal counsel to ensure my rights as a consumer are upheld. 

I look forward to a swift and lawful resolution of this matter and anticipate your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
I run an mobile clothing business and I used square as my merchant. On XX/XX/23 I had an customer place multiple orders totaling out to {$800.00}. The money was not available in my account but Ive processed multiple payments so I thought nothing of it. Hours later I get an email stating my account is under review and I need to provide documentation. Ok no big deal, provide the docs and then I waited for an response. Didnt receive one by the next day, so I called customer support and was told that all my documents and answers except one had been verified. The customer service representative told me call back at XXXX and it should be cleared. A couple hours later I received an email stating that my account is being closed. I immediately called customer support back and was told that they decided to close my account, but couldnt disclose the reasoning because its an program who runs the information and decides. I believe it was done in error because I havent broken the terms and conditions and there is nothing fraudulent going on. I talked to the customer to make sure it wasnt a chargeback or anything and the customer sent me screenshot of the money leaving his account. So square definitely has the money and are telling me they cant release it until XX/XX/XXXX. As a XXXX  XXXX  and a XXXX  XXXX  XXXX  this wait time is unbelievable. My square account has never had a chargeback, a fraudulent payment, has had transfers in and out multiple times. I dont understand how or why it was closed, and how they can hold legitimate money for three months. I also was told by a representative that I could refund the money back to customer and accept a different method, but the customer already has the items. That isnt financially safe for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Complaint against Bank of America ( BOA ) for inadequate investigation of fraud claim # XXXX To Whom It May Concern, I am writing to file a complaint against Bank of America ( BOA ) concerning my fraud claim, filed on XX/XX/2023, with claim number # XXXX. I have reason to believe that the investigation carried out by BOA was insufficient and that their decision to deny my claim is incorrect. The claim involves over XXXX fraudulent charges on my account, which I did not authorize. Despite the complexity and sheer number of transactions involved, BOA quickly concluded their investigation, denying my claim on the grounds that the charges were authorized by me or someone with permission to use my card. 

Here are my specific concerns : Timeframe of Investigation : Given the large number of fraudulent charges, I find it highly unlikely that a thorough investigation could be completed so quickly. 


Absence of Proof : BOA has not presented any definitive evidence, such as a signed receipt or contract, to substantiate that I or anyone authorized by me conducted these transactions. 


Statements Unchecked : I was enrolled in XXXX  classes at XXXX  during the timeframe of these charges and did not receive the monthly account statements that BOA claims were sent to me. Therefore, I was unable to promptly identify and report the fraudulent activities. 


Unauthorized Use of XXXX XXXX : I have never owned or operated a XXXX XXXX account, which is reportedly involved in these transactions. This fact by itself should raise serious doubts about BOA 's conclusion. 


For the above reasons, I am requesting that the CFPB : Direct Bank of America to reopen and adequately investigate my fraud claim. 


Require BOA to provide a detailed account of their investigation process, including any evidence used in their initial decision. 


Take any other appropriate action to ensure that my case and future cases are handled in a fair and transparent manner. 


I am attaching relevant documentation to substantiate my claims, including my student  enrollment proof and any communication I have had with BOA regarding this matter. 
Thank you for your attention to this serious issue. I look forward to your prompt response. 
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 explanation
Consumer complaint received 2023-08-27 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Revolut Technologies Inc.
State: TX

Complaint narrative:
The company randomly issued a notice stating they were closing my account due to a review and that " sometimes these things happen and they HAVE A RIGHT to do so '' during which I had multiple chargebacks I had to file to a company that charged my card upon also taking cash as payment. 
I want my money back from the chargebacks and my account reinstated, as I have done absolutely NOTHING against the terms of service. 

Multiple attempts to contact yet no avail, will be considering a lawsuit and filing a class action as well as a settlement option because of this I now can not get my pay. causing pain and suffering for my family. The company sends multiple harassing emails a day yet fails to respond when needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am writing the CFPB to inform you of the improprieties conducted on behalf of Affirm Inc, Affirm has no proof of authority written consent or court order that gives them permission to report anything about XXXX XXXX XXXX publicly. The CFPB Fair Debt Collection Practices Act was put into place to protect consumers from such trespasses. Affirm Inc is indirect violation of my rights to privacy as pursuant to the bill of rights. Affirm Inc is defaming my name and character to the public and is also in violation of the US Constitution. These discriminatory transactions that are reported are impacting my ability to attain goods like buying a home, for my personal, family, or household needs. My intent is to seek remedy in federal court. I request that Affirm Inc to cease and desist from all from all forms of communication from all public agencies and corporations including but not limited to all credit reporting agencies and debt collections. I am asking CFPB to investigate this matter and to asset with the remedy of this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As mentioned I will be on standby for a True Bill, a copy of certified license to collect debt, accounts level documentation. If you can provide any of this information I am demanding those account be deleted and removed out of your system. 


Put this alleged account ending in # XXXX into do not pay or do not collect status and never to be turned off or anv disruption of service. The statements that you send every month and expect human being to pay are coupons. They represent what has been used and paid. You use the fact that people are not educated into understanding that the bill has already been taking care of by the XXXX XXXX XXXX. In XXXX, the United States filed its 5th bankruptcy due to what it owed its creditors, the indigenous people of the land had to turn over all gold, silver and land to the company " United States of America.inc. Which is tide back to the XXXX XXXX, in exchange the company would take care of all bills. care for the complete wellbeing, provide a home and vehicle for transportation of the familv and etc. That the people were the consumers and beneficiaries over their XXXX XXXX XXXX and the company is solely responsible for all debt incurred and accumulated. The statements you send ARE coupons and will be indorsed approved signed with r. after the signature then returned. 
The National Debt that the United States of America.inc is the amount that the company owes the indigenous people in these lands. It is NOT the amount the people owe anyone. Our social security card is our credit cards with unlimited funds. All debt is deferred back to the company that ripped off the people in XXXX. 
According to Federal Laws, you are committing Fraud, Extortion, Theft and crimes against humanity.

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