vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 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: 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. 


Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I reported a scam, USAA still blamed me for the scam. They made only one attempt to contact me this week, and even after returning the call with the representative twice a couple days afterward, I received no response. They then abruptly closed my account with no explanation. I reported the fraud and they are taking credit and saying the check was returned after I requested it to be stopped. They called me once. Left a voicemail instructing that I call them back, but when I did no one answered and no one called me back. They abruptly closed my account even though a police investigation is pending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express is in violation of my federally protected consumer rights. They will deny it of course but I just had my credit limit reduced. For no reason other than my credit score. I feel discriminated against. I am a consumer with rights and they have violated them. I am being treated less favorably than other consumers due to my credit score. My credit score does not determine my creditworthiness. I have not missed a payment with American Express either. This was out of the blue and is detrimental to my way of life. They are affecting my well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
In XXXX and XXXX, XXXX XXXX and XXXXXXXX XXXX took XXXX out of my account that's almost {$100.00} all together, I had my car cancel a year ago or almost a year in XXXX last XXXX with time over this I told them that these were fraudulent charges and to stop them from XXXX to taking it out we had a new card activated and everything they are still somehow got access to my cart information which time will not tell me or try to figure out how these are fraudulent charges I've made this very clear last XXXX when I had my whole card cancel over this they are still refusing to fix it and have took the money back out of my account this is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$6000.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX {$3600.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX {$2800.00} XX/XX/XXXX XXXX XXXX  XXXX {$5100.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX 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 2023-08-04 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-04 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: FL

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 USC1681.

these accounts 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section2 : It also states that a consumer reporting agency can not furnish 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 iteams of information Any other adverse item of information, other then records of convictions of crime which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shaqll not furnish any information relating to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

15 U.S.C 1681i-5- reinvestigate

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 2023-08-04 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: FL

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 USC1681.

these accounts 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section2 : It also states that a consumer reporting agency can not furnish 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 iteams of information Any other adverse item of information, other then records of convictions of crime which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shaqll not furnish any information relating to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

15 U.S.C 1681i-5- reinvestigate

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 2023-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MA

Complaint narrative:
The incident happened on XX/XX/2018. I was diagnosed with temporary anxiety but the doctors imstakenly gave me a dose of lorazepam. After taking 2 doses to avoid anxiety, i had to discontinue the medicine to avoid dependence. On the evening of XX/XX/2018, after stopping XXXX - i had an anxiety attack and when I called 911 they told me that the XXXX vehicle was on the way. But my friend also arranged a vehicle to take me to the nearest hospital. But when i was on my old cell phone XXXX number, I clearly told the operator that I do not need the XXXX vehicle but the operator told me that they can not cancel the medical services. I never got any written response for nearly 4 years but now suddenly a collection was added to my credit report by a company called XXXX XXXX services for the amount of {$2200.00} I never utilized the XXXX XXXX and I tried calling the company but they could not give a clear answer and told me that it had gone to collection agency. I strongly deny these charges and never utilized their services and I would kindly request you to mediate and clear this from my credit report. Filed a complaint with MA attorney general office

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Unauthorized inquiries that should be removed. XXXX XXXX services - XXXX XXXX XXXX, XXXX - XXXX. Additionally, there is personal information being reported that I did not authorize : XXXX  XXXX Bankruptcy - XXXX - reference number XXXX - XXXX XXXX XXXX DE XXXX. Per 15 U.S. Code 1681 b - permissible purposes of consumer reports, this should be removed.

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 2023-08-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
Our XXXX XXXX XXXX had a mechanical malfunction, my car was holding water somewhere in the body and on XX/XX/XXXX my car flooded out and all the electronics malfunctioned, I could not get the car out of park, we did get it to a Nissan Dealership in Indiana where I was stranded. We tried calling Nissan multiple times and they would not get back to us so I had to put a claim in with my Insurance Company and had to buy a new car in Indiana so we could get home. I shouldn't 've had to put a claim on my own Auto Policy for a Nissan mechanical problem that I had nothing to do with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I was coerced into paying over {$1500.00} to National Credit Systems for damages on a rental manufactured home from XXXX XXXX that was naturally caused by wear and tear and negligent maintenance services. I was told about taking action but that was not an option for me due to severely limited resources. I was told by the representative also to send written letters of my case, but those letters got lost in the mail and told me email was not an option when they do in fact have email. They told me a payment plan was an option for me on to recant the next day and said it had to be paid in full. The representative I spoke to also use intimidation tactics by threatening to report on my credit for something I did not sign or agree to and may have illegally obtained my information. In the process she also accused me of acting " hostile '' when she was coercing my to pay up something that I shouldn't have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Personal Information Update Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Early Warning Consumer Services Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX RE : Social Security Number XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy. 
I, XXXX XXXX, demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Legal Name - XXXX XXXX 2. My Address - XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: MA

Complaint narrative:
My loan was transferred from XXXX XXXX  to Roundpoint Mortgage Company on XX/XX/23. The mortgage company pays my insurance from an escrow account. My insurance needs to be renewed and there is no way to get in touch with a live person from the Roundpoint Mortgage company. I shouldn't have to jump through hoops if my mortgage is transferred. This is time sensitive. Otherwise i will need to pay my insurance upfront which isn't how i set up my mortgage to begin with.

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 2023-08-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
XXXX XXXX I called USAA Savings Bank for information on fraudulent activity on my bank accounts. I reported that I received calls and security codes on my phone from USAA. They stated that they made no calls and immediately closed my banking services and exercised their right to do any future banking with me. 
I appealed several denials to investigate and restore my service. In one of the calls I made to USAA to find out what was going on, a banking representative stated that I was denied banking due to a report I made to them in XXXX stating that I had been defrauded in romance scam. I immediately appealed that this report was fraudulently made and authenticated by USAA who may have given access to the imposter to my account and banking profile. I asked for the date and transcript of the call and received no response. I did however transaction by transaction contest all unauthorized transactions made to my accounts. Within 7-10 days there was a statement from USAA making permanent credit reversal of most transactions. As far as I am aware USAA did not reverse an unauthorized transaction to my account made in XXXX on my ATM. I was not in XXXX, had possession of my ATM card and did not authorize the small purchase. It may be somehow due to USAAs compromise of my account, cards issued and profile in XXXX. 
I was a 30 year banking client of USAA with a very good record. Today all my personal identity information except my passport have been compromised. I have taken all steps within my power to protect myself. Due to this situation, I will have to engage services to audit my credit and accounts for the rest of my life. I would like USAA to be transparent and held accountable for any breach they caused which has resulted in my identity theft, whatever is deemed appropriate. 
Thank you for your time & effort. Please call or email for any questions. 
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 2023-08-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-04 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: GA

Complaint narrative:
On XX/XX/2017 I received an email correspodence from a representative with XXXX XXXX XXXX XXXX XXXX. This correspondence stated that I had a past due bill of {$270.00}. The representative stated that {$25.00} of that amount was a late fee that was agreed to being waived after I had complained about it being added. Therefore the amount to be paid was now {$240.00}. I paid that amount. There should have been no more billing after that payment as my account had been closed for quite some time at the point of that payment. However, XXXX XXXX XXXX XXXX XXXX, continued to bill me with more charges. I disputed this information with the credit bureaus at some point and had these erroneous entries removed from my credit report. Over the course of time I have lost the original billing statement that I had sent in to the credit bureaus to prove that I had paid what I had owed at the time. XXXX XXXX XXXX XXXX XXXX sold the account to another debt collector and this falsely reported charge off has been hindering me for years. I even requested billing statements of which the collection agency provided incomplete statements. This collention agency provided statements from XX/XX/2017 and beyond. These are statements that should never have been sent me. When I requested statements from XXXX and XX/XX/2017 I never received a response with that information. Every time that I dispute this information with the credit bureaus, the credit bureaus allow the information to remain and report it as " resolved ''. If they have information to say that I owe a continued debt that I know that I do not owe, then they should be able to provide a statement of what was owed to them as of XX/XX/2017. That is the debt that was paid. I do not owe this company any more money nor should I owe any company that they sold a false debt to.

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 2023-08-04 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: IN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX I received a Bank of America statement by US mail for an account I did not open. I called their fraud and they closed the account. 
XXXX XXXX I received an email from Bank of America saying an account had been created. I did not create this account. I called and they said they were closing it. 
XXXX XXXX I received another Bank of America statement by US mail for another account I did not open. I went to their branch office in X town, X state and tried to resolve it. They refused to close the account until I provided an affidavit, copy of my social security card and other identifying information-a large packet worth of paperwork. I told them they are allowing someone to keep opening fraudulent accounts without verifying their identify and asking me, the victim, to provide personal identifying information to a place that clearly has security issues. I told them this was backwards and wrong.

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