vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, my husband 's hotel room was broken into and his wallet and cell phone were stolen. As a result of this theft, multiple fraudulent charges were made on the credit card associated with USAA and debits were made from our USAA account. In addition to this a XXXX transaction in the amount of {$1000.00} was made to someone named XXXX XXXX. USAA reimbursed us for the debit charges and reversed the credit card charges but they will not refund the money STOLEN from us. We have reopened the fraud case twice and they have denied it once and have not responded to it the second time. We do not know who that individual is, have never used XXXX to send him/her money before and have NEVER sent that much money by XXXX previously XXXX Also that transaction occurred on the same day as all the other fraud associated with my husband 's cards. USAA is in violation of Regulation E of the Electronic Transfer Act of the United States of America and needs to refund our checking account the {$1000.00} that was stolen from us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit reporting act. The list of account below had violated My federal protected rights to privacy and confidentiality under 15 USC 1681. 

Account name : Collection agency XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ACCOUNT NUMBER : XXXX 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 items 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 2023-02-28 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: EQUIFAX, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit reporting act. The list of account below had violated My federal protected rights to privacy and confidentiality under 15 USC 1681. 

Account name : Collection agency XXXX XXXX  XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ACCOUNT NUMBER : XXXX 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 items 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 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime closed my account without notice due to suspicious activity. I believe the suspicious activity they are referring to is that I changed my last name after getting married, changed addresses, and transferred money to my XXXX XXXX Joint account with my husband. They are not specifying what went wrong and they are holding onto my money which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
in 2020 i was involved in identity theft and my info was used to open multipal accounds and loans i am not responsiable for. i can not get these to go away as they want me to prove it was not me and they just verify my info and count it as accurate, of couse it will be accurate my info was stolden and i need theses removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: CCS Financial Services, Inc.
State: WI

Complaint narrative:
in 2020 i was involved in identity theft and my info was used to open multipal accounds and loans i am not responsiable for. i can not get these to go away as they want me to prove it was not me and they just verify my info and count it as accurate, of couse it will be accurate my info was stolden and i need theses removed

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: CORELOGIC INC
State: PA

Complaint narrative:
This bureau has been putting information incorrectly and unverified including listed below : RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$1600.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$9700.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$24000.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9800.00} RE : PXXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$5200.00} RE : XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$12000.00}

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 2023-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I have sent written notification to Credence Resource Management requesting documentation of any contractual relationship between myself, & Credence Resource ManagemenXXXX. This was NOT a request for verification or validation. This was a request for proof of contract to substantiate Credence Resource Management 's claim to XXXX, XXXX XXXX XXXX, that I owe Credence Resource Management, {$260.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KLS Financial Services, Inc
State: MS

Complaint narrative:
I called KLS Financial approximately two weeks ago. I ask them to verify the debt and why I didn't receive anything in the mail? The lady couldn't answer the questions. I got off the phone and call back thinking that I would talk to another agent, but the same lady kept answering the phone. I was told that I had to pay they will decide if they will take it off of my report. I refuse to pay for something that will not be verified, the lady being rude. It is showing twice on the reports and two different amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
The following inquiries were not authorized. 

1- XXXX XXXX XX/XX/XXXX 2 - 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 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 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 2023-02-28 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: HI

Complaint narrative:
I sent Certified mail letters. XXXX is being lazy and not doing their job. Under the FCRA, the burden of proof lies on XXXX, Tranunions, XXXX you are the one allowing fraudulent information to report on my credit report. Thank you for following the ethical standards set by the FCRA and removing these late payments. I call XXXX, Tranunions, XXXX and someone was cursing and swearing at me. Laughing in the background.Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX Tranunion, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXX, Tranunions, XXXX are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email XXXX, XXXX, TransUnion CEOs as last resort before I Sue them all.

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 2023-02-28 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: HI

Complaint narrative:
I sent Certified mail letters. XXXX is being lazy and not doing their job. Under the FCRA, the burden of proof lies on XXXX, XXXX, Equifax you are the one allowing fraudulent information to report on my credit report. Thank you for following the ethical standards set by the FCRA and removing these late payments. I call XXXX, XXXX, Equifax and someone was cursing and swearing at me. Laughing in the background.Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX XXXX, Equifax each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXX, XXXX, Equifax are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email XXXX, Equifax, XXXX CEOs as last resort before I Sue them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: VA

Complaint narrative:
The Equifax breach exposed my information, so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. These disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 


XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b. 

By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states. Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: ID Analytics, Inc.
State: PA

Complaint narrative:
This bureau has been putting information incorrectly and unverified including listed below : RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$1600.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$9700.00} RE : XXXX  XXXX Date opened XX/XX/XXXX Balance {$24000.00} RE : XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$9800.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$5200.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
My mortgage company repotted late payment while I was in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collections Enterprise, Inc.
State: PA

Complaint narrative:
1. American Collections Enterprise , Inc. ( ACEI ), Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, Phone : ( XXXX ) XXXX placed a debt collection alert on my credit report, which was notified to me through my credit monitoring agency XXXX XXXX on XX/XX/XXXX, XXXX XXXX 

2. American Collections Enterprise , Inc. ( ACEI ) had not placed any contact information on the Credit Alert to allow me to get in touch to understand the reasoning of the credit alert. 

3. On reviewing the credit alert I somehow did a XXXX Search and after making a few incorrect calls I could finally reach the correct debt collection agency named American Collections Enterprise , Inc. ( ACEI ) 4. I verified the debt over the phone on XX/XX/XXXX and paid the the debt in full for the amount of {$170.00} and a Debt Payment Processing Charge of {$6.00} on XX/XX/XXXX 5. American Collections Enterprise , Inc. ( ACEI ) representative confirmed that they have only once mailed me a letter on XX/XX/XXXX through regular USPS mail, and made no further communication attempts.

6. American Collections Enterprise , Inc. ( ACEI ) was unable to provide a USPS Mail Tracking Number for me to verify if debt collection notification letter was delivered to me.

7. American Collections Enterprise , Inc. ( ACEI ) debt collection agent confirmed that they never sent any certified mail to notify me of the debt collection notification 8. American Collections Enterprise , Inc. ( ACEI ) debt collection agent confirmed that they never made any additional communication attempts like email or phone call to collect debt 9. American Collections Enterprise , Inc. ( ACEI ) despite collecting the debt in full on XX/XX/XXXX has so far not agreed to remove this credit alert from my credit file

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 2023-02-28 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: WHEELS FINANCIAL GROUP, LLC.
State: AZ

Complaint narrative:
I took out a title loan XX/XX/XXXX. I paid on it for about a yr {$200.00} biweekly, then my financial situation changed. The original amout was $ XXXX and after there check cashing fee I received {$1800.00}. 
The rate in my opinion was usary over 150 %. I made a few payment arrangements but ultimately could not afford to pay any longer. They agreed to sell the vehicle and settle the account for auction proceeds. At that time they had reduced it to {$1500.00} - I agreed to this and voluntarily surrendered the vehicle- which they sold at auction. It should report as settled for less or paid in full. Either way it is reporting incorrectly and I am getting harrassing letters and unable to obtain desirerable credit terms do to this reporting a very large balance ( {$8500.00} ) that continues to grow. This is predatory for sure. I have disputed this several times with the credit bureau and the company. this was a XXXX XXXX XXXX XXXX ( which would easily retail for $ XXXX at the time ). the agreement was that they would settle for auction proceeds. Even so, the sale of this vehicle would have easily covered any remaining balance. They claimed a deficiency balance and continue to charge absobant rates even though I no longer have the vehicle and they successfully sold it at auction. I am requesting that they either remove the item from my credit or report it as settled. I would think it not customary to pursue deficiency ballances that are absorbant and nothing near the original balance- this is hurting my credit and continues to cause me problems when applying for transportation or housing. Please intervene and have them report this as {$0.00} balance and settled or remove it completely - I appreciate your help in this matter as they are bullying me for monies that are simply not due. The companies name is : XXXX XXXX, XXXX XXXX Way XXXX, XXXX XXXX CA XXXX. XXXX I will provide you with any info necesary in getting this resolved - Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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, 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 XXXX {$14000.00} XX/XX/XXXX XXXX XXXX XXXX- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1700.00} XX/XX/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 2023-02-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results

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