vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Consumer Adjustment Company Incorporated
State: MD

Complaint narrative:
On XX/XX/XXXX. I recieved this email from XXXX XXXX  Hello, XXXX Thank you for contacting XXXX XXXX  XXXX! 

We are so sorry to see you leave. In order to canceled the ( XXXX ) active accounts in our system, please visit XXXX XXXX XXXX  Your ( XXXX ) account numbers XXXX, XXXX, and XXXX. Please note you will have to complete a submissions for all ( XXXX ) accounts separately. 

Take XXXX, XXXX XXXX. 
XXXX XXXX XXXX Admissions Managerial Supervisor I ensured the XXXX accounts that they provided me were all paid up and I worked to close them. Yesterday I saw that an account from XXXX XXXX  was placed into collections and reported on my credit score. Today When i requested an explanation I received this email. 

Hello XXXX, Thank you for contacting XXXX XXXX. I have reviewed the accounts associated with your email. In addition to the XXXX you mentioned, there is a fourth account. Account XXXX. XXXX is for a XXXX XXXX  Plus membereship for XXXX XXXX for XXXX XXXX  XXXX purchased on XX/XX/XXXX. Payments were only made through XXXX of XXXX, and were thereafter declined Since the minimum amount of payments were not made, and the delinquancy continued for at least 120 days, the account was properly sent to Collections on XX/XX/XXXX. 
That is the account showing on the credit report. Once sent to Collections, XXXX XXXX  no longer has control of the account. You can contact Collections at XXXX to make whatever arrangements are appropriate. 
I anm sorry we can not be of more assistance in this matter. 

Sincerely, XXXX XXXX XXXX Representative Now there is a XXXX account that in XX/XX/XXXX they did not report to me that I had, nor did they report anything was delinquent. I settled all my acounts that was reported to me by XXXX the manager of admissions services. They refuse to fix the problem and allow me to settle this 4th account, or respond to my phone calls to the number provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Im trying to get a dispute the credit card said I was 30 days late on my payment and I wasnt so they sent that to credit bureau and it drop my score

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-08 00:00:00
Product: Credit reporting 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-01-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/year> while on line looking at my checking account balance, I noticed 2 charges on my checking account at USAA Bank, both charges from XXXX XXXX XXXX, one for {$1500.00} the other for {$1000.00}, they were not mine. I immediately called USAA and reported the problem, they took my information saying the charges would be taken off for 10 days while they verified my information. About 10 days later they notified me that they had determined from XXXX that I had made the charges. I called USAA and told them I had not made the charges, I live in XXXX MN, a XXXX, will be XXXX XXXX XXXX in four months and I had never ordered anything from XXXX in XXXX XXXX NV, I have three computers one cell phone and one car, they can inspect all of them to verify I had not ordered anything from XXXX and I am willing to take polygraph test to verify I am telling the truth. They said they would start investigation again. About eight days later notified by USAA that XXXX had submitted documentation that I had purchased 6 tickets in one section for a event and 4 tickets in another section for same event and I had picked up the tickets. I would have no use for 10 tickets in XXXX XXXX for anything and I have no Idea what tickets were for or the date. My son told me he thinks the tickets were scalped and the people who bought them would have no knowledge of the person who used my debit card to make the purchase.

I'm sad and mad that USAA Bank for service members ( I served for 8 years ) would not do a better investigation and take up my offer to exam my equipment to verify what I say and my willingness to be tested telling the truth, check my car if I was in XXXX at anytime, check airlines to see if I flew. I do not have the expertise to know how the crook used my info, but like everyone, I receive letters telling me my information has been lost when their business had been hacked. I have never been sued, never bankrupt, never not paid a bill on time, credit score over XXXX, been a customer of USAA for over 12 years and have never had this problem before. Have sufficient funds to last me the rest of my life, even though I XXXX  at XXXX XXXX XXXX after I sold our family business. 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not request any fraud alerts to be added to my file and would like them removed immediately.

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 2025-01-08 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I have complained about this before. USAA has deceptively charged me an extra {$300.00} for 6 month period on my car insurance, which I complained about but paid and lessened all my coverages. Then just now they have added {$200.00} more to the new policy because they can. the first over charge came after I had one chargeable incident involving my car skidding on the garage wall of XXXX  XXXX 's XXXX Loop from the lower level to the higher level because a SUV was entering and did not give me enough room to exit. The wall did not cry, no damage to the wall but if I diid not do this I would have been hurt. the unchargeable accident that happened in XX/XX/year> I was rear ended and XXXX XXXX paid after i got a lawyer, and he also got USAA to pay me as well. {$16000.00} and most went back to USaa to pay of one of those XXXX charges that I had not been able to pay. I also paid off the auto ins premium in full I had at the time. 
I have just retired and I was an advocate in Real Estate for my clients and never did I have any claims against my license. I am a XXXX XXXX now in full use of my faculties. Just angry at being taken advantage of Before this my 6 month was in the {$800.00} 's now it is XXXX, Senior Abuse as well!

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 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I am writing to formally dispute the unauthorized use of my consumer information, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b.

It has come to my attention that you have accessed or used my personal information without my consent or any permissible purpose as outlined under the FCRA. Furthermore, I have no contractual obligation that would authorize such actions. Pursuant to the protections afforded by the FCRA, you are prohibited from obtaining or using my information without explicit authorization or a valid purpose. Additionally, if my information has been reported to any credit reporting agencies, I demand the immediate cessation of such activity and the corr
ection or removal of any unauthorized entries. Failure to comply may result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies for any damages incurred as a result of this violation.

Please provide the following within 30 days of receipt of this letter : 1. A detailed explanation of the purpose for accessing or using my consumer information.

2. Documentation evidencing your permissible purpose, if applicable.

3. Confirmation that you have ceased all unauthorized activities related to my information and have removed any unauthorized reports to credit agencies.

If no permissible purpose exists, I expect an immediate acknowledgment of the violation and steps to rectify the situation. I reserve the right to pursue further legal action if these matters are not addressed satisfactorily and promptly. 

Please address all correspondence regarding this matter to me at the contact information listed above. 

Sincerely, 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I why trying to get a car but my credit wasnt good so I reached out to this company so they can help me fix my credit on order for me to get this car lesson in law was accompanying that was happening with my situation. Cant remember it been so longlike I really cant remember how long ago it was but it might have been XXXX through XXXX up in that area but its been a while and I have to take a money out of my account every XXXX weeks. So when I see that my credit wasnt getting fixed, I called and asked him why to take it so long for my credit to go up or be fixed. They told me itll be three-six months that XXXX see something good with my credit, but I havent seen anything good with my credit. My credit was still the same it was still poor it didnt go up or anything, but yeah you still taking money out of myaccount. Can I remember the account number but my social you can probably look me up with my social..

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
Receivable Management- {$170.00} My information was exposed in several data breaches, was the victim of identity theft, and several accounts were opened with unauthorized, fraudulent use.

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 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Back in XX/XX/year> I received a letter from the I-9 identity theft department that my information along with my name Social Security number address email or anything particular to me was jeopardize and exposed during a breach. The letter was not sent out to me until XXXX so I was not made aware of anything until XXXX. I dont know which accounts are fried or not on my TransUnion account but I did let them know that I am a victim of identity. There for my information was breach and I did receive a lot of calls from credit card companies and car places in loans for people trying to apply for things in my name. Im new to this. I dont know anything about credit at 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 2025-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Webcollex, LLC
State: MD

Complaint narrative:
Amount : XXXX Actions Taken : Payment arrangements made between me and XXXX XXXX, who bought the debt from XXXX XXXX XXXX, who bought the loan from XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an open investigation going on with XXXX, EQUIFAX AND XXXX regarding inaccurate information that is being reported on my credit file. EQUIFAX mailed me a letter stating that it could not remove information from my report even though, I submitted proof that such information was inaccurate and incomplete. This is a violation of my privacy rights as a consumer as well as 15 USC 1681 ( a ) ( 1 ), 1681 ( a ) ( 3 ) and 15 USC 1681 ( a ) ( 4 ). In their letter they also mentioned that I needed to resubmit my identity theft report along with a copy of my ID. As a result, I'm sending copies of ALL documents to ALL reporting agencies to aid in the removal of the inaccurate and unauthorized items listed on my consumer report. Information on my report must be accurate among all reporting agencies including 3rd party agencies pursuant to 15 USC 1681e ( b ). I have a right to have these items removed according to 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I normally make my credit card payment at the ATM by a Citibank Branch, and never a problem, but around XX/XX/year> I logged into my online checking account that includes my credit card account, the credit card minimum due was around USD XXXX and I set it to make a payment of USD XXXX. After processing the payment, I noticed the Citibank website used an old checking account I had on record, I tried to cancel, but it wasn't possible. Right after, I set up the right checking account to pay USD XXXX to ensure I didn't delay my monthly payment. A day or so after, I got an email from Citibank stating that my credit limit was reduced by USD XXXX ... Up to that point, fine, but after a few hours, I got an email demanding to make an additional USD XXXX payment to cover the XXXX XXXX payment that didn't go through. I disregarded it since the credit was already reversed, excluding the USD XXXX payment, I had paid and it was credited to my other USD XXXX payment. Surprisingly, days after when I checked my account online, I found out my credit card account was closed, and I couldn't make any more payments. I got multiple calls from Citibank, I answered most of them, and after I said hello, it got disconnected. I spoke about my case to XXXX XXXX from customer service who tried to reverse the decision, or even send a letter to me letting me know the account was closed since I wasn't even notified... I also spoke to XXXX XXXX from collections, who processed my last payment of USD XXXX and wasn't able to reverse the decision.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
Credit Corp. solutions is receiving monthly payments and has agreed to a settlement amount, however is not reporting any information to the credit bureaus. The accounts on my credit reports are stating still in collection with no payments. Ive disputed information with all three credit bureaus, and they are not updating the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Sezzle Inc.
State: FL

Complaint narrative:
I made a purchase with my debit card ending with XXXX. I used this card as the card on file for a down payment and installment payments. 
There was an old card on file from 4 years prior that was used instead of my card on file. 
It is explained in the correspondence with XXXX, the customer service representative. 
There would be no reason to use an d card when I specifically used my current card and authorized the down payment and installment transactions. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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