vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I opened a recent credit card dispute that was not found in my favor. During this dispute period, I called USAA multiple times and was verbally told the following statements : " I would expect an investigation to be honored '' " we will do whatever we can to help and/or fix this '' " not all disputes that are similar will have the same outcome '' " I suggest leaning into the human aspect when re-asserting our findings '' " bring up your 12 years of membership '' I believe I have been discriminated against during the dispute process and not treated equally. I believe this because the comments above suggest differing outcomes based on factors outside of my control and also suggest that USAA has discretion to favorably resolve and/or make right my initial dispute but has chosen not to, despite telling me that would do " whatever they can. '' I request all recent phones calls from XX/XX/XXXX, XXXX XX/XX/2022 to be pulled and audited to confirm discriminatory statements and misleading advise that USAA will help in this matter. Being told USAA will do " whatever they can '' is an incredibly powerful statement to which I expected an amicable resolution in this matter, ultimately reducing down to a {$6000.00} account adjustment resolving this matter entirely, which I asked for in writing and verbally. Since such a request falls into the possibilities of what USAA is capable of doing, I hold them liable to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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:
Please update my personal information, delete the accounts violating the FCRA and delete the unauthorized inquiries

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 2022-11-02 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: TN

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 artedates 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 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 2022-11-02 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: TN

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 U.S.C 1681. 

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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 artedates 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 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 2022-11-02 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: NJ

Complaint narrative:
Account i do not recognize

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 2022-11-02 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: WV

Complaint narrative:
I got an legitimate email from Experian today, ( XX/XX/2022 ) as I have an login account to check my credit report with them. The email said I had a new car added to my credit report. I will attach the email. When I clicked the email and logged in ( Yes it was Experian 's site, I double checked ) it said I have a XXXX XXXX added to my credit report and wanted me to pay to upgrade my account. I never bought a XXXX XXXX. I closed it, and went back to my report ( as I was already logged in ) and I see nothing about a new loan for a car. I checked other reporting companies ( XXXX, XXXX ), and nothing there either. 

I feel like Experian was trying to trick me into thinking there was an issue with my credit, to get me to buy a service. I contacted their support by ( replying to the email ) about the event and told them I was reporting to the FTC. The FTC website forwarded me here to fill out the complaint. I got an automated response from Experian from the support email, so I am sure it was not a phishing email. 

I suppose it could have been a glitch in there system that thought I bought a XXXX XXXX, but I thought I would report it in case other have had the same experience. It really upsets me that a company like this would prey on vulnerabilities of people, if this was intentional.

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 2022-11-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Account Number XXXX Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Paid in settlement. 
Status Updated XX/XX/XXXX Balance I t look as tho XXXX has resolved their debt and need to be off my credit report.

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 2022-11-02 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: GA

Complaint narrative:
Experian does not and have refused to follow the law. I am a victim of identity theft I have had a fraudulent auto loan reporting on my Experian credit report for over 3 years. The auto loan was opened in XXXXXXXX XXXX. Someone took my XXXX Drivers license at the time went to XXXX and purchased a vehicle in my name and social. 

I've sent several letters to Experian and XXXX asking them to block this account according to FCRA section 605, They initially blocked it, only to re- inserted it a few weeks later. without giving a reason why it was placed back on my file. Every other letter since then has been ignored and no response has been given. Ive sent police reports, everything, they refuse to cooperate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
MY XXXX  ACCOUNT WAS TRANSFERRED ON XXXX XXXX XXXX. TO XXXX XXXX CARD PROGRAM. THE CORRESPONDENCE ADDRESS IS XXXX CARD PROGRAM XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THE PHONE NUMBER IS XXXX. 
IN MY CREDIT REPORT IT SHOWS I HAVE A BALANCE OF XXXX. I DISPUTE THIS. MY BALANCE IS XXXX XXXX. WHEN XXXX WAS TRANSFERRED TO THE XXXX XXXX CARD PROGRAM MY BALANCE WAS XXXX. SOMEONE SHOULD HAVE UPDATED THE TRANSFER AND BALANCE IN XXXX. AS OF NOW, MY BALANCE IS XXXX XXXX. THERE IS NO REASON XXXX TRANSFERRED ACCOUNT SHOULD SHOW A XXXX BALANCE IN MY CREDIT REPORT. XXXX XXXX CARD PROGRAM SHOULD UPDATE THIS INFORMATION IN MY CREDIT REPORT.

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 2022-11-02 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-02 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-02 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:
Update my personal info, delete the accounts violating the FCRA

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 2022-11-02 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: OneMain Finance Corporation
State: GA

Complaint narrative:
A potential employer made me aware that my credit report is showing charge off amounts for One main financial, XXXX XXXX XXXX and XXXX XXXX. I've paid the loans I've previous had and have the proof that they were paid for the XXXX 2 companies listed. I have no affiliation whatsoever with the third company. This error is showing on my report and is making it difficult to move forward with possible employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: FL

Complaint narrative:
There is inaccurate information reporting on my credit report the account must be placed under my social by mistake. I'm not responsible for this account, I do not recognize the account. I have not agree, sign or created debt with the creator reporting. I have attached my identity theft report.

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I XXXX is a living human being. Ive read my rights concerning credit reporting agencies. Under the Fair Credit Reporting Act Law 15 USC 1681 Equifax has violated my rights a number of times by law 15 USC 1681 I demand all of these accounts be removed because, according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish any of these accounts. 
Furthermore Equifax has Violated 15 USC 1681 b ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) I was not treated fairly and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. 
I demand all of these negative accounts be moved from my consumer report and file. 
XXXX XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
My mortgage servicing was just transferred to Specialized Loan Services. For my first mortgage payment, XXXX withdrew the payment from my bank account THREE separate times, rather than one. When contacted, they stated that they couldn't return the overpayment ( ~ {$6800.00} ) for fifteen business days despite this causing me severe financial hardship. 

Background - On XX/XX/2022, I set up auto-payment, and I received a notification that automatic payments would start XX/XX/XXXX. Therefore, I set up a manual payment for the date my first payment was due, XX/XX/XXXX. 

On XX/XX/XXXX, XXXX withdrew two payments for a total of {$3400.00}. 
On XX/XX/XXXX, XXXX withdrew a payment of {$3400.00}. 
Also on XX/XX/XXXX, XXXX withdrew a payment of {$3400.00}. 

On XX/XX/2022, I contacted XXXX. They informed me that the auto-draft had " gone into effect earlier than planned ''. In addition, they said that when I set up auto-pay, the system created an additional payment for XXXX since the auto-draft wasn't supposed to be effective until XXXX. This was done without my notification or consent. 

XXXX offered to refund the two incorrectly withdrawn payments, but they said it would take upwards of 15 business days and that it would be mailed as a paper check. This is unacceptable because it means I may be missing {$6800.00} for up to a month.

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 2022-11-02 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: FL

Complaint narrative:
Update my personal information and delete the accounts violating the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
This account doesn't belong to me and I would like this company to update this information on my credit file in reporting accurate information to the credit bureau the amount is for {$1800.00} from AMEX XXXX American Express ) which it says charged off but is reporting on my credit file and is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
I mailed in my Public Service Loan Forgiveness forms at the beginning of XXXX. However, when I try to see my status on MOHELA 's website, it says my account does not exist. I try to create a new account and it says that they do not have anything in the system. Yesterday, XX/XX/XXXX, I tried to call MOHELA 's customer service to speak with a representative about it, especially since the deadline for submitting paperwork was on Monday, XX/XX/XXXX. I was on hold for two hours before I spoke with a single person. She mentioned to me that she was new. I told her my information only for her to tell me that she did not have it in the system ( which I already knew via the website ) and that she who was going to transfer me to another department to see about my paperwork. After waiting for 6 hours to speak to someone, I finally decided to give up. I have read stories about MOHELA not having enough agents to work. While I understand that, I do not believe that it is fair for those who are trying to simply talk with someone about their account. It should not be this difficult for us to talk to someone. I know that I am not the only one with this frustration, especially when there is a deadline in the midst. I understand how many of us are trying to get the loan forgiveness, but this is simply ridiculous. Something must be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Account Number XXXX Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Paid in settlement. 
Status Updated XX/XX/XXXX XXXX I t look as tho XXXX has resolved their debt and need to be off my credit report.

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 2022-11-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Account Number XXXX Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Paid in settlement. 
Status Updated XX/XX/XXXX Balance I t look as tho XXXX has resolved their debt and need to be off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
The following fraud chargers were mad on our account when our account balance was XXXX XXXX We have not made these charges and should not be responsible for any of this. 

XX/XX/2022 Interest Charge On Purchases {$4.00} XX/XX/2022 LATE FEE {$30.00} XX/XX/2022 XXXX XXXXXXXX XXXX {$100.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$70.00} Fees XX/XX/2022 FOREIGN CURRENCY FEE XXXX XX/XX/2022 FOREIGN CURRENCY FEE XXXX TOTAL FEES FOR THIS PERIOD {$5.00} I was told that the account would be closed and investigated but the account still remains open and active. 

Now they are stating " We will let the national credit reporting agencies know that we closed your account. You will continue to receive billing statements every month until your remaining balance is paid in full. Currently, your balance is {$72.00}. '' This is from " LATE FEES '' on FRAUD charges are we DO NOT owe this ... .you can't even get through to anyone on their phone lines

Company response to consumer: Closed with monetary relief