vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been XXXX for the past 10 years.While XXXX  someone was using my identity to buy a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
This dispute involves an issue we have with USAA. 

In summary, we paid USAA in full for my husband 's credit card.Due to their internal policies, they sent the money to their insurance department even though we did not have an an insurance product. 

Since USAA could not redirect the funds from Insurance back to Banking, USAA Banking reported the credit card balance of {$1200.00} as charged off. In addition, they continue to report it as late every month. 

All of our attempts to resolve this issue with USAA have been rebuffed. They have told us that there is nothing that they are willing to do to remove the chargeoff. In addition, they have told us that they will continue to report this account to the credit bureaus as late every month indefinitely. They have advised that there is no-one at USAA who can stop that reporting and/or they will not tell us who may be able to do that. They advised that even if the debit were paid again, the late payment reporting will not be stopped. 

I can not see how it can be legal for a company to give a consumer zero options to prevent the reporting of late payments. Can you please advise if we have any options? 

Thank you. 

XXXX XXXX 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 2022-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/2022 I attempted to open a savings account with my local bank and they told me that I could not open an account. I asked them the reason and they told me that I had to contact Fifth Third Bank because it look like I had a debt that I had not paid. I then called the bank and they said that I had to pay a balance for an account I had with them a few years ago. Whenever I closed that account with Fifth Third Bank, I was never told I had any pending fees. I closed the account and I did not have any issues for years until now. I have had several accounts with different banks and nobody wants to open an account because Fifth Third bank sent my information somewhere and I can not get any account anywhere. They recently did this because I was able to open accounts until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo Bank closed my account and didn't let me know on XXXX. There was XXXX $ still in the account and numerous unauthorized transactions, which I disputed, and was informed by e-mail through Wells Fargo that they were being put back into my account. They won't let me back into the account to find a exact amount, it's around XXXX to XXXX XXXX I have contacted them XXXX times by phone and e-mail and I still don't have my money. I want my money.

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 2022-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: TX

Complaint narrative:
I found out my minor child have credit with this company i am requesting these items to be removed from my daughter profile and frozen and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my minor child as well i am including my license the mother my child birth certificate as well WITH MY RECENT BILL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They will not respond back after several notices of me wanting the signed contract. This has gone on for over XXXX years fraudulently. 
XXXX XXXX XXXX, XXXX XXXX. I do not know who they are but they are fraudulently continuing with practices that are illegal and posing as the education department. A fraud report was filed on this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
They will not respond back after several notices of me wanting the signed contract. This has gone on for over XXXX years fraudulently. 
XXXX XXXX XXXX, XXXX XXXX. I do not know who they are but they are fraudulently continuing with practices that are illegal and posing as the education department. A fraud report was filed on this company.

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 2022-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Claims Bureau, Inc.
State: NJ

Complaint narrative:
this was back in 2020 and I paid my amount but not sure why NOW I get a letter form collector like if I still owe money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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:
I believe my identity has been compromised. On XX/XX/2022 I received XXXX XXXX alerts that my credit had been pulled in XXXX car dealerships : XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX On XX/XX/2022 I also received an Experian XXXX my credit had pulled at another car dealership : XXXX XXXXXXXX XXXX XXXX. I called all three dealers and told them my identity had been compromised. I put credit locks and fraud alerts on all bureaus. I called my local XXXX 's department and they advised me to come here. I'd asked one of the auto dealerships what information had been given- the person used my old address, had my correct place of employment but incorrect job title, and a phone number that wasn't mine : XXXX. My XXXX 's department said it was likely a spoof number and could only tell that it was a XXXX number.

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 2022-05-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive written Equifax numerous times and received my credit file dated XX/XX/XXXX, confirmation # XXXX today stating that inquiries are factual. I have explained that the inquiries were not mine and they continue to promote and condone identity fraud. I have a security alert on my credit file because of this. The following inquiries are not mine and I want them deleted from my credit file : XXXX  XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX. XXXX XXXX inquiry date XX/XX/XXXX Equifax Mortgage inquiry date XX/XX/XXXX Equifax Mortgage inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX  XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX By the FCRA the consumer reporting agencies MUST report all information accurately and when requested, they must investigate all discrepancies. I did not authorize any one to check my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I have XXXX credit inquiries that were not authorized or I have NO IDEA WHY THEY ARE ON MY REPORT. They have made my credit score drastically decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
XX/XX/XXXX, I deposited a money order into Wells Fargo. I noticed I confirmed for {$100.00} instead of {$1000.00}. So I submitted a claim for the remaining balance. 

So about 2 days later, I saw a deposit reflected in my account but not liquid. So I called to inquire. After not understanding why the money order was still being held outside of the minor issue with me depositing it, I asked to speak with a manager. 

XXXX said Wells Fargo needed to ensure they would be able to collect on the funds. I was confused since CASH was ALREADY PAID FOR THE MONEY ORDER so officially, they've collected on the funds. 

He told me they would probably release the funds on the XXXX of XXXX. It's baffling to hear him give a date as to when the funds would be released. So it's not that you're investigating anything, you're just holding them just because. And if there was a reason, I am entitled to justification because it's my money. 

And because he could not offer that info to me, I told him goodday and I can tell he was upset. So IN ADDITION to me not being able to touch my OWN CASH and it being unreasonably held excessively, without them being able to prove a lengthier hold is reasonable, XXXX FREEZES my account. 

I went to SEVERAL WELLS FARGO ATMs that night and could not get any money. My last try was an XXXX & XXXX XXXX  and i was told their were insufficient funds while looking at the funds. 

So on my good Wednesday night, I am outside of a CLUB, ON THE PHONE WITH WELLS FARGO bc I also CAN NOT XXXX  my sister thr money I just had to borrow from her. 

At first, the rep didn't see the problem but after he dug deeper, he saw ut and said my account shouldn't have been frozen. I mentioned the overzealous manager I spoke with earlier, who answered EVERY different question with the ONE ANSWER. And that's " we can hold anything paper and we are holding your money order until we can collect on the funds, '' NO MATTER WHAT I ASKED. 

He apologized and said one has NOTHING to do with the other and he removed the freeze. This is DISGUSTING to say the least. AND he isn't at fault so his apology won't suffice. NOBODY shoukd have that much emotional REACH over someone elses money. I want my money and I want proper justification as to WHY it was held this long. This isn't even the THIRD TIME I've deposited the money order and if I haven't called about my hiccup, i don't feel they would've held it. This has to be illegal, ESPECIALLY what XXXX did. He does NOT have the legal authority to make the sole decision to freeze or hold my account, especially over a tantrum. I want him reprimanded. I spoke to him on XX/XX/XXXX, around XXXX. The calls are supposed to be recorded so it shouldn't be hard to verify.

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 2022-05-13 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: CA

Complaint narrative:
I have reached out to both the creditors and bureaus and neither has given me resolution .... in my search for resolution I came to realize that my rights had been violated by -XXXX  XXXX XXXX XXXX XXXX -XXXX  # XXXX in accordance to the Fair Credit Reporting Act... .these creditors violated the following 15USC 1681 section 602A states I have a right to privacy...

also 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or consent these are clear violations

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 2022-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/22 After i sent a XXXX payment of {$450.00} to my fiance as i always do on pay day for bills. XX/XX/22 XXXX received text message Chase Fraud Alert did I attempt to send {$2000.00} via XXXX XXXX XXXX replied no. XXXX another text no further action needed this transaction will be reversed with help from a phone representative. XXXX received phone call from Chase Fraud department asking me if this transaction was made by me advised no then asked if I was in Ohio on an XXXX laptop advised no I live in New Jersey & just arrived from work. He then advised me that activity was coming from another state & that my Chase account was linked to a XXXX XXXX account & was it correct I indicated no I do not bank with XXXX XXXX. He verified my email on file & was incorrect I gave the correct one. He then said that a email was sent with a verification code & in order to remove the wrong info & unlink the account to provide the code sent. I did what was asked. He said the next step is to send the money back to myself through XXXX & guided me through the process. He asked to send in increments of {$500.00} due to my XXXX limits were changed by the fraud & was the only way this can be done. After I sent the first payment & saw {$500.00} had been deducted out of my account I asked why that had occurred the call disconnected & that is when I realized I may have been a victim of fraud. I then contacted my bank & alerted them of my situation & was told unfortunately there was nothing they can do about it to contact my local police department in which I did & filed a report. I then tried contacting XXXX could not reach by phone so I filed a report with them in which they are investigating. I am very upset that my financial institution was unwilling to help me. I honestly thought I was dealing with my banks fraud department. It's bad enough that I was not smart enough to realize I was being scammed, but even worse that my bank just dismissed me as if I do not matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I found out my minor child have a credit with this company and i am requesting these items to be removed from my daughter profile and frozen and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my minor child as well i am including my license the mother my child birth certificate as well WITH MY RECENT BILL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I received a letter from Nordstrom Credit services that an application was denied. The first name was mine but the last name was not. They used my social security number, birthday and home address.

I never applied for any Nordstrom Card or credit. I called Nordstrom they placed fraud on the inquiry. I also contacted XXXX and froze my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2022, I paid my XXXX car payments that were late. On XX/XX/2022 there was a notification on my TransUnion Credit Report that my balance decreased by {$640.00}. Then on XX/XX/XXXX I recieved a notification that my credit score decreased and that my car loan increased {$640.00}. That is not true or correct at all, I disputed it with TransUnion at first and they said the information reported was correct- it is not. I have bank statements and my loan balance to prove so. I then called my credit union ( XXXX XXXXXXXX XXXX XXXX XXXX Ohio ) who I loan through, they said they had no control over it and they report the info on the first of every month. If that was reported correctly it would show my balance was decreased and paid, I paid the balance on XX/XX/2022. Now my credit score continues to fall behind due to their negligence. I filed another dispute and still nothing.

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 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was scammed by a person working for the XXXX 's XXXX XXXX  XXXX, who really wasn't, and he maxed out the card to over {$12000.00} before CareCredit froze the card, back in XX/XX/2020. This is what started a large amount of money owed by me to many companies besides CareCredit. This credit card allowed me to charge vet bills then pay off the next few months, if necessary. The debt is now down to {$9000.00} due to high payments and interests. the main bill goes down slowly due to the very high interest. Check out people to see if employed by the one he/she said.

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 2022-05-13 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: VA

Complaint narrative:
In Accordance 15 U.S code 1692 C. Communication in connection with debt collection with the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, debt collector may not communicate with a consumer in connection with the collection of any debt. At any unusual time or place known or which should be known to be inconvenient to the consumer. 
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 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 2022-05-13 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:
IMPROPER USE OF CREDIT REPORT 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 2022-05-13 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:
This complaint is to detail a long history of inaccuracies & violations to my consumer report. All XXXX consumer reporting bureaus have repeatedly reported false " verified '' info after numerous written and telephone correspondence. I have tried to clear this matter with the bureaus and their source for info being reported, ( XXXX  Department of Revenue, acct # XXXX ). Enclosed are copies of my most current consumer report which shows several reporting inaccuracies that the reporting agencies claimed were investigated and verified. Transunion has also gone so far as to report this SAME account TWICE on my consumer report ( see attached ). All XXXX agencies also have different reporting info. That's an unlawful violation. Due to the inaccurate reporting, violations, and unprofessional sloppiness, I ask that these accounts be permanently removed from my consumer report. 

Furthermore, in accordance with the Fair Credit Reporting act, XXXX XXXX XXXX acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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