vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS 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 2022-07-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fraud Account When I found out I contacted the company directly and even filed report with the FTC they have been unresponsive and they are not willing to work with me

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 2022-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX I and I tried to open a bank account with navy federal credit union I have never had a account with them I have sent them proof of my identity DRIVERS LICENSE SSN CARD PROOF OF ADDRESS and still they say I had an account with them and I told them that was identity theft and that was not me so I am asking to cupbearer in help me get this resolved so I may open my account with navy federal credit union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX ACCOUNT # XXXX delete account for multiply inaccuracies. 

DATE OPENED - XXXX XXXX EXPERIAN XXXX HIGH CREDIT - XXXX {$2400.00} EXPERIAN {$0.00} LAST REPORTED -XXXX  XX/XX/XXXX EXPERIAN XX/XX/XXXX DATE OF LAST ACTIVE -XXXX XXXXXX/XX/XXXX EXPERIAN 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 2022-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX messaged me on XXXX asking if I wanted money. She didn't tell me what company she worked for, she just said she ran her own business. Being an unemployed, XXXX XXXX XXXX, I needed money to pay for tuition so I said yes. She emailed me a check of {$2500.00} and then asked for me to send {$1000.00} to her grandma to pay for her medical bill. I sent the money and then she asked me to send another {$1000.00} to her doctor. My mom saw the charges and told me it was a scam and I called my bank, USAA, and explained everything that happened. They told me that I would have to pay for the money I sent even though it was a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Klarna AB
State: TN

Complaint narrative:
I contacted Klarna via phone and chat to resolve a billing dispute. There was an overcharge in the amount of {$290.00} + tax for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). Klarna suggested to contact XXXX to resolve any billing issues. I contacted XXXX, whom informed me they didn't have any record of a purchase from XXXX XXXX on or around XX/XX/2022. I than reported the information back to Klarna. Klarna then suggested I contact the merchant ; although, I noticed XXXX had processed a partial returned totaling {$160.00} on order reference number XXXX. I spoke with XXXX XXXX ( merchant ) on Sunday, XX/XX/2022 at XXXX XXXX. We discussed inaccurate billing amount submitted to Klarna 's one time XXXX card ending in XXXX. XXXX XXXX informed me a charge of {$470.00} was authorized for order number : XXXX on XX/XX/2022 and only that amount was submitted. XXXX XXXX provided the invoice receipt, in which, doesn't include an item Klarna 's order reference XXXX have listed. Merchant advice to contact Klarna again to resolve discrepancies in billing one their side. Klarna have refused to make modification to reflect the order total in the amount of {$470.00}. I was scheduled to make installment payments to Klarna. I made one payment totaling {$190.00} ; yet, I discontinued to make any farther payments until this matter is resolved. I should have a remaining balance of {$280.00} but Klarna reflects a balance of {$420.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 there was an unauthorized {$9000.00} cash advance from our Wells Fargo credit card # XXXX XXXX XXXX XXXX to our Wells Fargo Checking account. On that same day an unauthorized wire transfer for {$14000.00} was made to XXXX XXXX for the benefit of XXXX XXXX XXXX XXXX leaving us with {$550.00} in our checking account. 
On XX/XX/2022 I noticed these unusual transactions and visited our local Wells Fargo XXXX XXXX XXXX. He called someone at Wells Fargo and was able to stop a wire transfer of {$8000.00} which was enabled by XXXX additional cash advances from XXXX Wells Fargo credit cards {$3000.00} from the credit card mentioned above and another Wells Fargo credit card # XXXX XXXX XXXX XXXX for {$4000.00}. 
We have received XXXX letters from Well Fargo dated XX/XX/2022 and XX/XX/2022 saying they are not responsible for our loss. In addition we appealed this decision to the XXXX branch of Well Fargo and we received a letter saying they are not responsible. 
In addition to the {$14000.00} loss Wells Fargo has charged us with a 5 % Cash withdrawal fee for the {$9000.00} + {$3000.00} + {$4000.00} amounting to {$800.00} and a {$30.00} wire transfer fee.

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 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX ACCOUNT # XXXX delete account for multiply inaccuracies. 

DATE OPENED - TRANSUNION XXXX XXXX XXXX HIGH CREDIT - TRANSUNION {$2400.00} XXXX {$0.00} LAST REPORTED -TRANSUNION XX/XX/XXXX XXXX XX/XX/XXXX DATE OF LAST ACTIVE -TRANSUNION- XX/XX/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 2022-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: TX

Complaint narrative:
I have given Highlands residential mortgage servicing both verbal and written instruction to remove escrow from my loan. They continue to use delay tactics asking me to send in signed physical documents. I did not agree to a requirement of sending a signed physical copy to remove escrow during the signing of my loan origination documents. I've already given them written notice and instruction to remove the escrow. 

Every month delayed is a month denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates furnished information on an alleged debt which is reporting on my XXXX and XXXX consumer files under two different truncated account numbers. Please see the attached certified mail receipts. I have disputed this alleged debt twice directly with Portfolio Recovery Associates. Old account statements from an original creditor are just statements but definitely not proof of third-party ownership. Nor is it logical to assert otherwise. 

The alleged debt under Portfolio Recovery Associates was also reported prior on my XXXX consumer file. I disputed the alleged debt directly with XXXX, and the CRA deleted the unverified collection account following its reinvestigation. Please see the attached XXXX XXXXXXXX XXXX results. Sections 611 and 623 of the FCRA impose specific dispute investigation and resolution duties on CRAs and those entities that furnish information about consumers to the CRAs ( " furnishers '' ). 

After receiving all relevant, consumer dispute information from the CRA, furnishers, such as Portfolio Recovery Associates MUST ( i ) conduct an investigation of the disputed information ; ( ii ) review the information transmitted by the CRA ; ( iii ) report the results of the investigation to the CRA ; and ( iv ) if the investigation determines that the information is incomplete or inaccurate, report those results to all nationwide CRAs to which the furnisher reported the original information, pursuant to FCRA section 623 ( b ), 15 U.S.C 1681s-2 ( b ). 

There is no indication that Portfolio Recovery Services adhered to part ( iv ) of the required dispute process noted above. Information about the deletion of that account from my consumer file following XXXX 's reinvestigation does not appear to have reached XXXX or XXXX. The unverified Portfolio Recovery Associates collection account is still being reporting on my XXXX and XXXX consumer files. I want Portfolio Recovery Associates to explain why the results of the XXXX reinvestigation were not shared with all nationwide CRAs to which it reported the original debt collection information as the FCRA requires. This is my financial reputation and livelihood which must be taken seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
I checked my reports online. XXXX and XXXX. Are reporting XXXX XXXX XXXX account. Which has opening dates inconsistent. On All three Credit Reporting Agencies Reports. This account is Speedy Cash. Which was sent to XXXX XXXX XXXX XXXX. For collections from Speedy Cash. This account shows on All three of my Credit reports. Okay its inconsistent information. Which means this account should be removed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
As per the terms and conditions of this credit card ( attached ) - { You will receive XXXX bonus XXXX  miles and a {$95.00} statement credit after spending {$2000.00} on XXXX Purchases within the first 90 days of your Card Account open date. This one-time offer is valid for new accounts only. Existing accounts and previous cardmembers with accounts closed in the past 24 months may not be eligible for this offer. The bonus XXXX  miles will be reflected on the billing statement in which you have qualified to earn the bonus. Please allow XXXX weeks for bonus XXXX  miles to be deposited into your XXXX Account after the qualifying purchase ( XXXX ) have posted to your XXXX Account. The statement credit will appear at the close of the billing statement after the qualifying purchases post. This is a limited-time offer and may be canceled at any time without notice. } -- -- -- -- - I received the XXXX bonus miles on my statement ending on XX/XX/22. That means I spent {$2000.00} on XXXX Purchases on my statement ending on XX/XX/22. For the {$95.00} statement credit, the terms say - The statement credit will appear at the close of the billing statement after the qualifying purchases post. This means I should also have received the {$95.00} statement credit on the same billing statement ending on XX/XX/22. But I have not received the {$95.00} statement credit. Contacted customer service and they are saying they can't do anything about it. This is a gross violation of the printed terms and conditions that the bank sent to me. Please correct the situation and give me the {$95.00} statement credit immediately as that should have already been posted on my statement on XX/XX/22.

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 2022-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
IVE BEEN CONTACTED ON THIS ACCOUNT NUMEROUS TIMES. 
THIS DEBT DOES NOT BELONG TO ME. 
IT BELONGS TO XXXX XXXX. 
DURING THE DIVORCE SETTLEMENT, HE WAS RESPONSIBLE. 
HE HAS PASSED IN XXXX. 
THIS ACCOUNT WAS OPENED PRIOR TO XXXX AND IS NOT 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 2022-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/2022 got my credit reports and transunion and XXXX had report accounts and address that did not belong to me so I disputed the accounts and addresses that did not belong to me and I did the dispute twice and they still have not removed the address or accounts the accounts are XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I called all these creditors and was told that these accounts belong to a XXXX XXXX XXXX and NOT XXXX XXXX XXXX and that they need to remove the accounts asap also there two address that are not mine XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX also needs to be removed asap

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 2022-07-24 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: MA

Complaint narrative:
I have been filling dispute and was told that inquires would be removed a year ago

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 2022-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I was contacted by PayPal on XXXX telling me there has been unusual activity on my account. I told them I have PayPal account but I never use it. I was told someone had sent XXXX laptops to a certain address on XXXX in my name. The total was for {$600.00}. The invoice # XXXX. I told them no I'm XXXX  XXXX and I'm living off of XXXX XXXX, so there's no way I could even afford this. I first spoke to XXXX ( XXXX ), then I spoke to XXXX XXXX XXXX ) Case # XXXX. I was told they would investigate this and get back to me. I didn't hear back from no one. Then on XXXX I got another call from PayPal saying there had been some unusual activity on the account. They told me there was XXXX, XXXX, XXXX sent to different places. I was told there was XXXX sent to my account around the same time. I asked them why didn't they flag my account the first time that happened. On XXXX They sent me emails saying I owe them XXXX because the XXXX was sent by mistake. I had checked with my bank and there wasn't any deposits in that amount sent to my account. They told me they better get that money from me or else. On XXXX I received a collection notice from PayPal for XXXX. I just received a call from them around XXXX saying someone had sent a tv to California for XXXX. I just hung up on them. I have been depressed and so overwhelmed by all this madness. But now I'm angry and ready to fight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24 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: AZ

Complaint narrative:
Please Investigate Consumer Report I, XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

On XX/XX/2022 I sent a complaint ( Complaint # XXXX ) through the CFPB for the Credit Bureaus to investigate inaccurate accounts on my credit report. They did not properly investigate my credit report and has violated my rights under 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Who did you speak with that was associated with me, or friends, or neighbors who verified this information? Because it's inaccurate. You can't verify information from other Consumer Reporting Bureaus and you must obtain interviews from associates, or neighbors, or friends and others who know me so please show proof of that. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681 According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 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 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Please delete these accounts unless you want to be held liable {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my reports online. XXXX and XXXX. Are reporting XXXX XXXX collection account. Which has opening dates inconsistent. On All three Credit Reporting Agencies Reports. This account is XXXX XXXX. Which was sent to XXXX XXXX XXXX XXXX. For collections from XXXX XXXX. This account shows on All three of my Credit reports. Okay its inconsistent information. Which means this account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have been filling dispute and was told that inquires would be removed a year ago

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 2022-07-24 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: MA

Complaint narrative:
I have been filling dispute and was told that inquires would be removed a year ago

Company response to consumer: Closed with explanation