vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 


5. there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES Chapter XXXX Bankruptcy Case Number : XXXX Delete this account. 


7. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Delete this account. 


8. The inquiry was not authorized XXXX  XXXX A Date of inquiry : XX/XX/2023 Delete this account. 


9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 


10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXXXXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL 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 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wellsfargo bank. There is no money. Exhibit ( A ) book federal reserve money modern mechanics banks can not lend money. XXXX. Banks take promissory notes and exchange them for credits book keeping entries. Exhibit ( B ) have affadavid all debts are prepaid. This is backed by the American people. Exhibit ( C ) XXXX vs XXXX XXXX XXXXXXXX. XXXX refused to pay his morgage which is a credit swap because the bank put nothing up of value legally called consideration. The bank events the money with bookkeeping entries in a ledger. Sounds like fraud to me. Exhibit ( D ) public law XXXX or hjr XXXX. This happened in 1933 when XXXX took all the legal money away silver and gold and replaced them with XXXX federal reserve notes. The bank needs to zero out this credit swap or we will go to court for law suit. You can do the correct thing or be published on social media. The last evidence I will give you is beat the bankers XXXX video XXXX XXXX video has a cartified forensic XXXX under oath saying all bank loans are fraud credit cards, morgages car loans etc. The bank president also admitted the same. If your judge denies what I am saying since he is a banking agent in your family I will use the freedom of information act request to get his surety bond 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 2023-08-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America XXXX Department called me on XX/XX/23 informing unauthorized charge was being taken from my XXXX XXXX Account in the amount of {$3500.00}. I had to transfer funds in order to cancel the funds to verify my identity. I called Bank of America back after completing transaction and they informed this was a scam and theres nothing that can be done from XXXX to retrieve my funds.

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 2023-08-16 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: EQUIFAX, INC.
State: IL

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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: LEXISNEXIS
State: IL

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.

The letters are stated with items and issues.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: UT

Complaint narrative:
21st mortgage has received a promissory note for payment. Company has also received a XXXX and a coupon paying of this loan. The company has refused to follow the laws pertaining to discharge under the indentured trustee act. This loan has been paid and refuses to update the account and keeps saying the payment isnt valid. 21st mortgage has violated 1693-1, ucc 3-603,18 usc 8, 12 usc 411, ucc 3-104 and 31 usc 3123. The company has engaged in fraud and has already been paid a minimum of twice for this loan. Company was paid immediately following the approved application of the loan through my ssn account and cqv account. Company refuses to acknowledge correspondence as valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, 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 interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file with Equifax. none of the data listed is correct on all 3 reports. this has caused a major delay in all approvals. please review an remove the information submitted to clear my report asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I currently have four fraudulent accounts appearing on my credit report. 

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 2023-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
RE : LOAN XXXX I HAVE NO KNOWLEDGE OF THIS LOAN FOR {$86.00}, WHICH WAS TAKEN OUT OF MY CHECKING ACCOUNT, WHICH WAS UNAUTHORIZED. THIS AMOUNT WAS TAKEN OUT 3 TIMES. I CALLED XXXX XXXX AND THEY DO NOT HAVE KNOWLEDGE OF THIS LOAN. OR HAVE MONEY THAT AFFIRM PAID THEM THERE ARE NO MONEYS DO THEM.EITHER. 
AFFIRM IS TAKING UNAUTHORIZED FUNDS FROM MY CHECKING ACCOUNT. 
I WOULD LIKE TO KNOW WHAT THEY CLAIM THE LOAN IS FOR..

AFFIRM CALLS IT A VIRTUAL CARD LOAN.

THEY CLAIM I AM RESPONSIBLE FOR IT, BUT I DONT KNOW WHAT ITS FOR.

I WISH SOMEONE WOULD INFORM ME.

HOW DO THEY EXPECT ME TO PAY FOR SOMETHING WHEN I HAVE NO CLUE WHAT ITS FOR? 
WHEN I GO ONLINE TO AFFIRM WEBSITE A GET A MESSAGE MY ACCOUNT WITH AFFIRM IS FROZEN. When I CALL I AM ON HOLD FOR HOURS, AND THE REP DOESN'T COMPREND WHATS GOING. CLAIMS THEY ARE ESCALATING IT. THIS IS GOING ON FOR MORE THAN 2 MONTHS. 
I BELEIVE THIS IS A FRAULENT ACTIVITY BY TAKING FUNDS OUT OF MY CHECKING ACCOUNT. 

AGAIN I CAN NOT UNDERSTAND WHAT THIS LOAN IS FOR, MAYBE SOMEONE WILL FINALLY LET ME KNOW. XXXX XXXX XXXX KNOW XXXX HAVE ALSO MADE AN UNAUTHORIZED WITHDRAWAL FROM MY CHECKING ACCOUNT OF {$10000.00} TO OPEN A SAVINGS ACCOUNT WHICH I KNEW NOTHING ABOUT. 
I ONLY FOUND OUT WHEN I WAS GOING OVER MY CHECKING ACCOUNT. I DONT EVEN HAVE AN ACCOUNT NUMBER FOR THIS..I AM MENTALLY AND PHYSICALLY EXHAUSTED FROM THIS ORDEAL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
Affirm Provided the Following Response to CFPB : Thank you for the opportunity to respond to your CFPB complaint. Affirm has reviewed your complaint, which states your concern regarding your application for SCRA benefits through Affirm. Affirm is proud to offer an interest rate cap of 6 % under the Servicemembers Civil Relief Act ( SCRA ) while you're on active duty. SCRA benefits are available for loans taken out before entering active duty service. The SCRAs interest rate reduction applies to Affirm loans obtained by an eligible service member prior to starting XXXX XXXX. See 50 U.S.C. App. 527 ( a ) ( 1 ). Affirm has reviewed the orders provided in your CFPB complaint and have determined that they do not contain an XXXX XXXX start date. As a result, we are unable to apply the 6 % interest cap to your loans. If you have any orders containing your XXXX XXXX start date, please send them to customercare @ affirm.com with a reference to your case ID XXXX. Please note, Affirm has a regulatory obligation to furnish accurate loan and repayment information ( positive or negative ) to the credit bureau and can only update reporting if an inaccuracy is identified. Furthermore, this was disclosed on Affirms Terms of Use and Privacy Policy as well as your Loan Agreement which you consented to and approved when you obtained Affirms loan. More information on Affirm 's Terms of Service can be found here : https : //www.affirm.com/terms Affirm is currently reporting your loans accurately to the credit bureaus and we therefore respectfully decline your request to remove them from your credit report. In the event that you have any further questions or concerns, we encourage you to reach out directly via email. 

Note : CFPB sent over all the orders ( attached herein to this complaint, which shows XXXX XXXX start dates ). The aforementioned statement by Affirm is a misrepresentation of facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
These crooks were sent a Cease and Desist letter through your office as well as the XXXX XXXX XXXX  in XXXX  look at my file! This is also a time barred credit card debt that is well over XXXX XXXX  old the statute of limitations for credit card debt in the State of XXXX  is XXXX XXXX  so you need to enforce the FDCPA laws on them for trying to collect on it and I am not required to send them anything nor will I be and am sending all to a debt collection attorney to sue them!! They also sent me four copies of this fraud letter in one day more harassment!! If they contact me again I will also be suing them for stalking and harassment!! I want a copy of my complaint forwarded to the FTC and XXXX XXXX XXXX  so they also can go after them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am writing to express my grave concerns and to file a formal complaint against Capital One concerning an account under my name, specifically the Capital One XXXX. 

Overview of the Issue : In XXXX of XXXX, after receiving communication about outstanding debts, I promptly sought legal assistance from the XXXX XXXX XXXX ( XXXX ) with the understanding they would help negotiate and settle the debts on my behalf. 

However, what followed was a series of unexpected and distressing events : In XX/XX/XXXX, I was informed that my case with XXXX was being transferred to XXXX XXXX. 
In XX/XX/XXXX, I was served with court documents from Capital One, claiming I owed an amount of {$5100.00}. Fortunately, XXXX XXXX responded to these documents, effectively placing the legal proceedings on hold. 
To my surprise, my case was then transferred to XXXX XXXX XXXX. I've found XXXX XXXX to be acting in bad faith, demonstrating a concerning lack of communication and transparency. I am in the process of filing a separate complaint against XXXX XXXX XXXX with the XXXX XXXX and Attorney General due to their unsatisfactory conduct. Also in contact with a lawyer regarding bankruptcy, due to my business needs as a small business owner I make almost no money myself and qualify for bankruptcy in this case. Though I would prefer to settle my debts for an amount that feels alright for everyone. 


Current Situation and Plea for Intervention : Due to XXXX XXXX XXXX 's questionable actions, I am now without any legal representation for settlement unless I find someone else, but for now I am facing increasing pressure from Capital One. 

It deeply concerns me that, as a consumer who took proactive measures to address a financial situation by engaging a law firm, I am now in a more challenging position due to the actions of the legal entities that were supposed to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-17 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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.

The letters are stated with items and issues.

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 2023-08-16 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: EQUIFAX, INC.
State: LA

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.

The letters are stated with items and issues.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I want to turn over the cash of cash app stealing money. They allowed {$2000.00} taken out of my account and all they can do is hang up the phone when you call to report it or they tell you it's not there money not there problem. I have reported this to the better business bureau and there reply to them was the same not there money not there problem. I want to file any charges I can to get my money back and I do have screenshots of the emails to the better business bureau as well as to XXXX XXXX XXXX XXXX. The bank still denied my case even after an appeal and more information submitted The transaction took place on XX/XX/2023 at XXXX XXXX  to a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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