vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX RE-INVESTIGATION REQUEST NOTICE XX/XX/2024 I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. 
EQUIFAX is currently reporting negative information as a violation to federal laws.The U.S. Bankruptcy Court stated that they did not provide information to EQUIFAX and neither did I XXXX XXXX provide information or give them permission to report information.

15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT.

AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT.

THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE.

HOW WAS THE INVESTIGATION CONDUCTED?

PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.

I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
requesting documents1099 OID form and the original charging instrument, these documents will show Im not involved in a contract with this company or they are not the issuer of funds and this must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
WAKEFIELD & ASSOCIATES , LLC VIOLATION OF THE HIPPA LAW : WAKEFIELD & ASSOCIATES FRAUDULENTLY AND ILLEGALLY ACCESSED MY PERSONAL INFORMATION. 
ON XX/XX/2024 WAKEFIELD & ASSOCIATES ADMITTED ON CFPB THAT XXXX XXXX XXXX XXXX XXXX, XXXX PLACED MY PERSONAL HEALTH INFORMATION ACCOUNTS WITH WAKEFIELD & ASSOCIATES ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15usc 6801 Protection of Non- Public Information WAKEFIELD & ASSOCIATES , LLC has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15usc 6802 Obligation with respect to disclose personal Information. There are XXXX disclosure forms that I have not received. 
1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15usc 6802 Disclosure of Institution Practice Policy WAKEFIELD & ASSOCIATES did not clearly and conspicuously provide the disclosure forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express approved me for SCRA benefits because Im XXXX XXXX XXXX, but secretly and illegally changed my interest rate to 28 % without notifying me. I didnt know until I checked my statement by chance. Now, they are taking weeks to do an investigation to see if I qualify for a refund. They are quietly taking advantage of service members by claiming to be military friendly, but secretly overcharging interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Company failed to provide Proof that they actually verified the account on my credit report. They sent stall tactic saying to provide proof of my address and I had done so. 
Company needs to provide me the proper validation documents showing they actually validated my credit file. They took extensive amount of time but sent no proof with their investigation XXXX XXXX showing they validated the accounts.

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 2024-03-31 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: MI

Complaint narrative:
Equifax continues to report inquiries that are not mine. These inquiries are causing me damages and to be denied credit. I have not given any of these companies my personal details for them to access my private consumer file and Equifax allowing this behavior is a violation of my rights. Remove any names other than XXXX XXXX XXXX spelled exactly as stated my only legal mailing address is po box XXXX XXXX XXXX MI XXXX there should be no other addresses if so delete them immediately and remove and security freeze and or blocks on my profile immediately. Dont ask for my identification because it is attached to this complaint so take note of it so you will not be sued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Grow Credit Inc
State: DE

Complaint narrative:
Its saying I opened an account for a loan and I asked for some type of verification as far my Signature they never sent it I never opened up and account for no loan they are saying a payment was made but it wasnt from me I have no knowledge of this account when I noticed this account was opened I called and did a chat to see when and where this account was open and asked if they can close it because I didnt open they told me that it was in my name and a payment was made on it but I didnt make no payment nor did I open this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Requesting documents 1099 OID form and the original charging instrument these documents will show Im not involved in a contract with this company or they are not the issuer of funds and this must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Requesting documents 1099 XXXX form and the original charging instrument these documents will show Im not involved in a contract with this company or they are not the issuer of funds and this must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: MI

Complaint narrative:
Equifax continues to report inquiries that are not mine. These inquiries are causing me damages and to be denied credit. I have not given any of these companies my personal details for them to access my private consumer file and Equifax allowing this behavior is a violation of my rights. Remove any names other than XXXX XXXX XXXX spelled exactly as stated my only legal mailing address is XXXX XXXX XXXX XXXXXXXX XXXX MI XXXX there should be no other addresses if so delete them immediately and remove and security freeze and or blocks on my profile immediately. Dont ask for my identification because it is attached to this complaint so take note of it so you will not be sued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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 a victim of identity theft, how is it that the bureaus keep letting this happen

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 2024-03-31 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 a victim of identity theft, how is it that the credit bureau continue to let this happen

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
AWA COLLECTIONS shows that I havent paid them since XXXXXXXX XXXX. I have no idea who they are and haven't had an account that I haven't paid since the end of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: OH

Complaint narrative:
Requesting documents 1099 XXXX form and the original charging instrument these documents will show Im not involved in a contract with this company or they are not the issuer of funds and this must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: GA

Complaint narrative:
REINVESTIGATION REQUEST NOTICE XX/XX/2024 I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting.

TRANSUNION is currently reporting negative information as a violation to federal laws.The U.S. Bankruptcy Court stated that they did not provide information to TRANSUNION and neither did I XXXX XXXX provide information or give them permission to report information. 
15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT.

AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. 
THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. 
HOW WAS THE INVESTIGATION CONDUCTED? 
PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.

I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention. 

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 2024-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Santander Consumer USA was in Multi State Class Action Suit XXXX which They owed Consumers Damages and Titles They were supposed to send US Checks and The Title While Removing The Negative Information from Our Credit Reports I was waiting for My Check And TITLE To Be Done With Santander I Contacted The CFPB back then sometime in XX/XX/XXXX Either They were Hacked or they claimed they were going to repo my vehicle with no way to respond to that e-mail only a way to opt out or call XXXX But since the First Class Action Suit when I called The Workers wouldn't give me any information on my account they just kept talking about the XXXX XXXX that wasn't on US But On Them and their accounting I couldn't get anyone to help me it escalated back in XXXX and I was told I didn't have an account with Santander back then on their own Documents they Closed my Account in XX/XX/XXXX because I was one that was owed by them My Credit Report stated that they predicted that it would be in good standing or something by XXXX because that's how long they would take to fix that issue on their end fast forward to XXXX XXXX My name and my son 's name were entered into another Class Action Law Suit Against Santander Consumer USA for Illegally Repoing Cars the claim said that we didn't have to do anything then in XXXX we received separate checks so Santander Consumer USA Needs To Stop with The Threats Harrassment and Abuse Send US Our Title and All money still owed to US STOP E-mailing or sending our information to some kind of Collection and Pay damages for the on going breaches of our information We No Longer are In Business With Them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: CA

Complaint narrative:
XXXX XXXX shows that I havent paid them since XXXXXXXX XXXX I have no idea who they are and haven't had an account that I haven't paid since the end of 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 2024-03-31 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
BRIDGECREST ACCEPTANCE CORPORATION ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15usc 6801 Protection of Non- Public Information.

BRIDGECREST has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 
XXXX. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party. 
XXXX. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party. 
XXXX. The financial institution giving me an explanation how to exercise the non-disclosure options. 

15usc 6802 Disclosure of Institution Practice Policy. 
BRIDGECREST did not clearly and conspicuously provide the disclosure forms.

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 2024-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I have had the account temporarily canceled for four months, where they ask me to withdraw the funds to completely cancel the account, but at the same time they have blocked me so that I can not withdraw my funds, I have ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-31 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: AZ

Complaint narrative:
I disputed an account and pulled my report to see the result of the dispute because i received information that it was verified. As i pulled this account, i noticed several inaccuracies that still exists on this account which informs me that it was not a thural investigation into this account. Its my understanding that the Credit Bureau will investigate this account for me and insure maximum accuracy. As i'm looking at this account, im looking at several inaccuracies and none of the inaccuracies has been investigated or corrected and has been deemed validated. Here is the account im asking you to verify as accurate as they NOT seem to realize many inaccuracies. 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 2024-03-31 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: NC

Complaint narrative:
In XX/XX/2023, I paid off this loan in full. By XXXX, my credit report was still showing the full balance owed in XXXX. I submitted a complaint and the the balance was removed during investigation. 

Despite the account being paid in full, and having a {$0.00} balance, {$2900.00} was added to my credit report on XX/XX/XXXX, which dropped my XXXX XXXX XXXX points. This fake balance due was reported after the account has had a {$0.00} balance for over 3 months. 

XXXX will intentionally and maliciously drive down a user 's credit score in order to force them to use their line of credit - which they doubled the APR on for new loans *after* I agreed to the terms of the line of credit. The new APR is currently 10 % higher than credit cards, making the personal line of credit completely useless for me, and making the impact to my credit report even worse.

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 2024-03-31 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: AZ

Complaint narrative:
I disputed an account and pulled my report to see the result of the dispute because i received information that it was verified. As i pulled this account, i noticed several inaccuracies that still exists on this account which informs me that it was not a thural investigation into this account. Its my understanding that the Credit Bureau will investigate this account for me and insure maximum accuracy. As i'm looking at this account, im looking at several inaccuracies and none of the inaccuracies has been investigated or corrected and has been deemed validated. Here is the account im asking you to verify as accurate as they NOT seem to realize many inaccuracies. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: AZ

Complaint narrative:
I disputed an account and pulled my report to see the result of the dispute because i received information that it was verified. As i pulled this account, i noticed several inaccuracies that still exists on this account which informs me that it was not a thural investigation into this account. Its my understanding that the Credit Bureau will investigate this account for me and insure maximum accuracy. As i'm looking at this account, im looking at several inaccuracies and none of the inaccuracies has been investigated or corrected and has been deemed validated. Here is the account im asking you to verify as accurate as they NOT seem to realize many inaccuracies. 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