vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a notification from XXXX that my credit score dropped XXXX XXXX. As I signed into my account, I found a collection account I knew nothing about. This company is Wakefield & Associates flagged as Collections for {$2100.00}. Prior to this notification received no mail, no calls or any kind of communication regarding this account. I have no idea what this is and I don't even have any outstanding debts. 

On XX/XX/XXXX, I sent a certified debt validation letter to Wakefield and I have yet to receive any communication from them verifying this is my debt. Prior to mailing this letter, I XXXX the company to find out what kind of collection this is. I was not able to find any information on this company and also found several negative reviews on XXXX XXXX XXXX XXXX site stating this isn't a legitimate company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
This credit card account account has multiple inaccuracies and missing information that do not align with all three bureaus. This closed account was paid in full as agreed with the amount paid to navy Federal totaling to over {$10000.00}. Attached is an image where I have highlighted every inaccuracy on my credit report. These inaccuracies include Date opened, High credit, Credit limit, Last report Date, Date last active, Date of last payments, as well as missing payment history or recorded payment history that does not match the other bureaus. It is clear that the proper procedures to ensure maximum accuracy were not followed and as a result my credit has been in shambles for years. These inaccuracies on my credit report are direct violations of 15 U.S. Code 1681e - Compliance procedures and this account should be deleted from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX XXXX XXXX ), has violated my rights under 15 USC 1681 section 602, which sates eye have the rights to privacy. 15USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: TX

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 Account Number:XXXX Account Name : XXXX  XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 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 2023-09-20 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX  XXXX ), has violated my rights under 15 USC 1681 section 602, which sates eye have the rights to privacy. 15USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: NJ

Complaint narrative:
I don't know when I opened this account 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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I accepted a no interest offer from the company ( USAA Federal Savings Bank, Credit Card Services ). The statement does not list items for interest bearing amounts vs interest free amounts. 

Phone 1 : XXXX? I called the company to identify the amount I had to pay to not get charged interest ( the purchasing amounts ) and the discrepancy I was not seeing on the statement. I was told the purchase amounts was applied as the same interest free as the transfer balance. 

Phone 2 : XXXX? I called the company when I saw an interest amount charged. 

Phone 3 : XXXX? I called the company when I saw an interest amount charged. I asked them to notate the XXXX XXXX and requested why the interest was charged.

For the next payment, I paid the balance on all purchases plus additional money to see if there would still be an interest charge. This statement came in today and there was an interest charge.

I do not thing they are applying the payment correctly as I understand the mandated parts of the XXXX  and XXXX 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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Complaint of Fraudulent Activity and Identity Theft I am writing to file a formal complaint regarding a distressing incident of fraud and identity theft that I have recently experienced. This fraudulent activity has caused significant harm to my financial well-being and personal life. 

I encountered an individual who posed as an online seller offering a machine for sale. Under the guise of a legitimate transaction, this individual maliciously obtained my personal information without my consent. Subsequently, they used this stolen information to fraudulently apply for credit in my name, with the intention of funding the purchase of the machine. 

To provide a brief overview of the incident : Initial Contact : I initially made contact with the individual, who presented themselves as a legitimate online seller offering a machine for sale. At no point did I authorize the use of my personal information for any purposes other than the intended purchase. 

Identity Theft : The individual, however, misused my personal information, including my name, address, and financial details, to apply for credit without my consent. This act constitutes identity theft and a clear violation of my privacy and financial security. 

Non-Delivery of Product : Despite the credit being approved, I never received the promised product. It became evident that the entire transaction was fraudulent, and the individual responsible for this scam has since disappeared, making it impossible to hold them accountable. 

Harassment from XXXX XXXX  : As a result of the fraudulent credit application, I have been subjected to harassment and undue pressure from XXXX XXXX, the credit card company involved. This situation has added to my distress and has had a profoundly negative impact on my life. 

The implications of this fraud and identity theft have been devastating. My credit profile has been tarnished due to the fraudulent credit application, and the associated consequences have led to significant suffering and hardship. 

I kindly request the Federal Trade Commission to investigate this matter thoroughly and take appropriate actions to address the fraudulent activity and identity theft. Additionally, I urge the FTC to work with relevant authorities to locate and apprehend the individual responsible for this. 
My primary goal is to have the fraudulent credit report removed from my profile and to see the responsible party brought to justice. 

Thank you for your prompt attention to this matter. I eagerly await your response and any guidance you can provide on how to resolve this distressing situation. 

Sincerely, 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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Complaint of Fraudulent Activity and Identity Theft I am writing to file a formal complaint regarding a distressing incident of fraud and identity theft that I have recently experienced. This fraudulent activity has caused significant harm to my financial well-being and personal life. 

I encountered an individual who posed as an online seller offering a machine for sale. Under the guise of a legitimate transaction, this individual maliciously obtained my personal information without my consent. Subsequently, they used this stolen information to fraudulently apply for credit in my name, with the intention of funding the purchase of the machine. 

To provide a brief overview of the incident : Initial Contact : I initially made contact with the individual, who presented themselves as a legitimate online seller offering a machine for sale. At no point did I authorize the use of my personal information for any purposes other than the intended purchase. 

Identity Theft : The individual, however, misused my personal information, including my name, address, and financial details, to apply for credit without my consent. This act constitutes identity theft and a clear violation of my privacy and financial security. 

Non-Delivery of Product : Despite the credit being approved, I never received the promised product. It became evident that the entire transaction was fraudulent, and the individual responsible for this scam has since disappeared, making it impossible to hold them accountable. 

Harassment from XXXX XXXX  : As a result of the fraudulent credit application, I have been subjected to harassment and undue pressure from XXXX XXXX, the credit card company involved. This situation has added to my distress and has had a profoundly negative impact on my life. 

The implications of this fraud and identity theft have been devastating. My credit profile has been tarnished due to the fraudulent credit application, and the associated consequences have led to significant suffering and hardship.

I kindly request the Federal Trade Commission to investigate this matter thoroughly and take appropriate actions to address the fraudulent activity and identity theft. Additionally, I urge the FTC to work with relevant authorities to locate and apprehend the individual responsible for this. 
My primary goal is to have the fraudulent credit report removed from my profile and to see the responsible party brought to justice. 

Thank you for your prompt attention to this matter. I eagerly await your response and any guidance you can provide on how to resolve this distressing situation. 

Sincerely, 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 2023-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Block, Inc.
State: MS

Complaint narrative:
CASH APP has been notified in a previous complaint that they are illegally holding my property ( money ). This illegal siezure of my property is illegal pursuant the FDCPA. Due to their willful negligence CASH APP is now an accomplice to the violations committed by XXXX XXXX XXXX. and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect an alleged debt. In doing so they have violated several laws under the FDCPA. I have attached a notarized Affidavit Of Fact which outlines the various laws that are being violated. My consumer rights are being wrongfully violated, and a financial hardship is being caused by the illegal seizure of my property. I have already attempted to resolve this issue which was demonstrated in my previous complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I applied for a XXXX  re- finance loan. XXXX XXXX was aware that I had been trying to get XXXX and Experian to remove the inaccurate information from my Credit report. Every dispute came back as accurate from them. XXXX/XXXX/XXXX We placed a call XXXX party to XXXX XXXX, and it was stated that the loans XXXX were transferred to XXXX XXXX XX/XX/XXXX. ( the credit report shows XX/XX/XXXX ) and was giving. There number XXXX. A call was placed to verify if Iwas on the loans. XXXX states my name was just a reference on the loans.. 

XXXX XXXX has been reporting negative information for years and costing me money in higher interest rates,. 
I have continually asked XXXX and Experian to remove them and they would not as the tradelines information reported are not vaild

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I had a small business that failed. I had a company credit card that all employees used. It was my fault that employees took advantage of my business in this way by making liberal and unauthorized purchases on the credit card. But, this was a business credit card, not a personal credit card and Chase Bank is treating it as a personal debt when it was not a personal debt. I feel that if this will affect me personally, then the employees that used the credit cards should be affected personally also. 

After I sold the assets, the business paid or settled the remaining open debt balances. This business Chase credit card is being attached to my personal credit report even though I never signed a personal guaranty for the credit card. Chase Bank harassed and called me daily to pay the balance on the credit card back in 2020. Since it was affecting my personal ability to move on in life and have access to credit again, I offered Chase a settlement. I paid the amount we settled on personally and they were supposed to remove the record from my personal credit report. They have not done it and recently I was denied credit and this was a major reason for the rejection. This poor history on my personal credit report that should never have been reported there but to XXXX XXXX XXXX, is causing me harm in my personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I been a customer of MoneyLion for years and enjoyed their various products which include instacash ( a cool feature to increase your cash flow ) and 2 day early direct deposit. The reason for the complaint is the dispute process. Which is very old fashioned and inconvenient to the customer. Imagine a scenario where you didnt receive your XXXX goods where you spent hundreds or even thousands of hard earned dollars on. You go to the merchant and they cant help you so you go to the only one you can trust, your card provider aka bank aka MoneyLion. Now you goto dispute and they tell you instead of receiving your provisional credit within hours like most banks do, that you have to wait 10 business days and if qualified will receive your provisional credit back. It was a let down hearing that but I waited patiently and the 10th business day comes I contact customer support for them to tell me they working on it and to mail them the dispute. Like what? Why you guys didnt tell me prior to do that? And now they telling me it can take 90 days to receive it and provisional credits are not guaranteed. All around it sounds like a big red flag and I dont like that. When people spend their hard earned dollars on something why you guys making the customer feel at fault and holding their money hostage? This is one of the worst experiences ever and Im moving my direct deposit and will never invest in this business. I was prompt and efficient in contacting them and asking for any further documents via phone, email, live chat and they treating me like I shouldnt have lost my products. Im sick and tired of companies getting away with this fraud!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital One Finance reported a credit inquiry on my consumer report XX/XX/2023. I did not authorize this credit inquiry. They also did not provide me with documentation and can not provide documents that I authorized this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: NY

Complaint narrative:
This is erroneous information that affects me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation