vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 



Please send me an updated credit report after you have deleted the inaccuracies. Thank 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 2020-02-20 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:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 



Please send me an updated credit report after you have deleted the inaccuracies. Thank 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 non-monetary relief
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have a debt collection reporting on my credit for a credit card that I already previously disputed. The account was originally removed due to inaccuracies on y credit reports. This item was a result of an identity theft and now this account has reappeared on my credit as bad debt. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have a credit card ( VISA ) from Elan, which was issued by the XXXX XXXX XXXX in XXXX, TX. The card always had an interest rate of 9.90 %. On XX/XX/19, I made a purchase of {$5000.00} and one for {$61.00}. I would not have used this card if I thought it had a high interest rate. I was not charged interest in XX/XX/XXXX, but the recent statement had my " purchase '' under a 16.49 % interest rate. I was never informed about the rate change. I called, and after getting nowhere with a representative, asked for a supervisor. He could not explain to me what happened to the 9.90 % rate ( which is still shown on my statements XXXX, and was unwilling to make any adjustments. Under the high rate, the interest amount for just two months is {$140.00}. Again, there was never any notice from Elan about rates going higher.

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 2020-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Inaccurate information on credit report. Please remove from credit report all inaccurate information listed below. This is a FTC violation. 

1. XXXX XXXX XXXX {$990.00} XX/XX/XXXX 2. XXXX  XXXX {$2200.00} XX/XX/XXXX 3.  XXXX XXXX XXXX {$93.00} XX/XX/XXXX 4. XXXX XXXX XXXX {$9100.00} XX/XX/XXXX 5. XXXX XXXX XXXX {$11000.00} XX/XX/XXXX 6. XXXX XXXX {$650.00} XX/XX/XXXX 7. XXXX XXXX  {$16000.00} XX/XX/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 2020-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and many unknown accounts popped up with my name and social listed. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts has been trying to continue to open more accounts and inquiries were not made by me. Please take these fraudulent items off my report. 

XXXX  XXXX/XXXX XXXX {$0.00} XXXX XXXX XXXX {$880.00} XXXX  XXXX  XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$880.00} XXXX  XXXX  XXXX  XXXX {$710.00} XXXX  XXXX {$960.00} XXXX  XXXX  XXXX  XXXXXXXXXXXXXXXXX {$960.00} XXXX   XXXX  XXXX XXXX  XXXX {$240.00}

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 2020-02-20 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and many unknown accounts popped up with my name and social listed. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts has been trying to continue to open more accounts and inquiries were not made by me. Please take these fraudulent items off my report. 

XXXX  XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$710.00} XXXX  XXXX {$960.00} XXXX XXXX XXXX XXXXXXXXXXXXXXXXX {$960.00} XXXX XXXX XXXX XXXX XXXX {$240.00}

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 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC

Complaint narrative:
I purchased a car from XXXX XXXX XXXX in XX/XX/XXXX this company was sold to First Investors around XX/XX/XXXX. I have disputed the late payments being reported from XXXX XXXX XXXX to First Investors. I received a notice stating that First Investors verified the information from XXXX XXXX XXXX   and the payments are accurate, and have been verified. This is untrue as no one works in XXXX XXXX XXXX any longer. I discovered this from doing research on my own. The company has dissolved. I spoke to a rep from First Investors that stated that they verified the payments going back to XXXX as they used records that XXXX provided them. My question is how can this be validated and verified as XXXX reported the information incorrectly. This would make the entire payment history of late payments unverifiable and unable to be validated. There are many incorrect payments statuses on my credit report that XXXX XXXX XXXX posted but it is listed under First Investors.

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 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: USI Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020, I spoke with XXXX XXXX at USI Solutions after she left a voicemail on my phone as well as my mother 's phone. Her extension was Ms. XXXX told me that I owed a debt to XXXX XXXX, which I do not. XXXX XXXX is a scam website that purportedly sells airline tickets. After purchasing a ticket off of the website, I received a ticket that was in the wrong name. The XXXX XXXX refused to refund my money. I called my credit card company XXXX XXXX, and they refunded me the money. 

Ms. XXXX incorrectly told me that I owe money, which is the first problem. Ms. XXXX indicated that USI Solutions and XXXX XXXX would report the debt negatively on my credit. 

To make matters worse, Ms. XXXX then told me that I would be banned from flying on all major airlines if I did not pay the debt ( which again I do not owe ). Not only is this a lie, but it felt like a threat. I hope that USI Solutions will provide the recording where Ms. XXXX acted illegally. 

Please see the following reviews for examples of XXXX XXXX fraudulent practices : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: ONEMAIN FINANCE CORPORATION
State: CA

Complaint narrative:
I have XXXX  credit monitoring service and was alerted of a an Inquiry for a personal loan. I immediately called the agency and advised them That I did not apply for a loan with them and it was frad withing minutes of the alert. The Inquiry still appears on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
on XX/XX/2020 i purchased a pair of sunglasses in XXXX, GA on our way to XXXX XXXX for vacation. On the second day of our vacation now XX/XX/2020 we were enjoying the beach and swimming in the ocean and my sunglasses were stolen off of our chair. Within the American Express Purchase Protection benefits stolen items are covered. After filing a claim with them ( the first time i have ever filed any such claim ) it was denied as " mysterious disappearance '' and as such not covered. This feels EXTREMELY ambiguous and ripe for abuse. They stated i was unable to provide proof that my item was stolen although all i was asked for a receipt of the purchase which i provided. Upon doing this leg work at no point was i given any inclination that i needed to become a private investigator for the insurance company to provide proof of this theft. Based upon my history or lack there of when it comes to filing such claims i feel the offer of " Purchase Protection '' is a deceptive practice and one that misleads a general consumer. If the insurance company does not want to cover stolen items then it should not be promoting this as a benefit and drastically modify their disclosures to be understood by the general public.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: CA

Complaint narrative:
Experian is in violation of my Hippa rights reporting medical debt these accounts are also from collection company that I have no contract with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20 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: Westside Recovery Services, LLC
State: CA

Complaint narrative:
XXXX is in violation of my Hippa rights reporting medical debt these accounts are also from collection company that I have no contract with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: The Outsource Group, Inc
State: CA

Complaint narrative:
XXXX is in violation of my Hippa rights reporting medical debt these accounts are also from collection company that I have no contract with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Dear CFPB, I am attaching my most recent bank statement from Bank of the West. 

I took a break from actively using my checking account and stopped depositing funds there. I had left {$3.00} in the account to keep the account open and in good standing. On XX/XX/XXXX, a merchant drafted the account for {$6.00} which Bank of the West covered resulting in an overdraft fee. I was not notified that there was a lack of funds to cover a charge. I did not receive any phone calls or letters. As far as I was aware, my account was still in good standing without any problems. 

Then, on XX/XX/XXXX ( two months later ), I received a notice from a collection agency, XXXX XXXX, XXXX stating that Bank of the West placed my overdue account for collections. The amount owed was {$110.00}! Shocked, I contacted Bank of the West to find out what happened. I called them on XX/XX/XXXX and was advised that their phone support was unable to help so I would have to visit a branch. 

Today, XX/XX/XXXX I visited the branch and was advised that they already sold the debt, the account was charged off, and there is nothing that they can do. 

To summarize, over a 60 day timeframe, my account went from having a positive balance, to owing {$110.00} and having the debt sent to a collection agency. During the 60 day time-frame, Bank of the West made no effort to contact me. I didn't receive any warnings, no correspondence or phone calls. 

My complaint is that I believe Bank of the West charged these fees and charged off the account as quickly as possible to ensure that there was no way that I could resolve the issue in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: U.S. BANCORP
State: TN

Complaint narrative:
Hello the CFPB, and USBank. 

I would like to dispute some transactions today. I would also like to change my account number, remove any restrictions my account has, and order a brand new debit card with a new pin. My last request is that any overdraft paid fee, is reverted. 

If this is not done within 30 business days, I will be forwarding this to the XXXX and taking any necessary actions needed. 

Any transactions you see from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX need to be reversed, and the fees associated with it wether it be overdraft, or processing fees need to be REVERSED BACK TO ME. 

I have updated all of my emails, passwords, and phone numbers so this can not further happen. I've attached my account transaction history.

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 2020-02-20 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:
Inaccurate information on credit report. Please remove from credit report all inaccurate information listed below. This is a FTC violation. 

1. XXXX XXXX XXXX {$990.00} XX/XX/XXXX 2. XXXX XXXX {$2200.00} XX/XX/XXXX 3. XXXX XXXX XXXX {$93.00} XX/XX/XXXX 4. XXXX XXXX XXXX {$9100.00} XX/XX/XXXX 5. XXXX XXXX XXXX {$11000.00} XX/XX/XXXX 6. XXXX XXXX {$650.00} XX/XX/XXXX XXXX. XXXX XXXX {$16000.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: TX

Complaint narrative:
Inaccurate information on credit report. Please remove from credit report all inaccurate information listed below. This is a FTC violation. 

1. XXXX XXXX XXXX {$990.00} XX/XX/XXXX 2. XXXX XXXX {$2200.00} XX/XX/XXXX 3. XXXX XXXX XXXX {$93.00} XX/XX/XXXX 4. XXXX XXXX XXXX {$9100.00} XX/XX/XXXX 5. XXXX XXXX XXXX {$11000.00} XX/XX/XXXX 6. XXXX XXXX {$650.00} XX/XX/XXXX XXXX. XXXX XXXX {$16000.00} XX/XX/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 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
BBVA changed the way my minimum payment was to be calculated by adding a disclosure to a bill that I never saw, so i wasnt able to opt out of the change, resulting in a {$25.00} per month increase of my min. payment due. I am on fixed income, can not maintain the higher pmnt. 
Called and spoke with male, who couldnt help and transfered me to a supervisor who refused to help me ( Supervisor : XXXX empl # XXXX ) The co obviously minimally disclosed change so they can get more $ $ every month on high risk debtors they feel may eventually stop paying them. They have my email and my phone for texts if they wanted to make sure I understood my option to opt out of the increase. I feel the disclosure was insufficient and I should be opted back to my originsl agreement with them. 
My complaint reference # with BBVA is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
They have violated federal law regarding my personal loan with them and are unresponsive in working with me to address this predatory loan scam. I have called, mailed and other actions in order to get them to cancel my loan based on TILA, FTC, and EFTA laws that were broken by them. I have CALLED, EMAILED and EVEN SENT CERTIFIED MAIL TO ALL OF THEIR CORPORATE OFFICES to resolve this issue with no luck. 

This company has been violating the FDIC enforcement order of unfair and deceptive practices as seen here https : 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 2020-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was laid off on XX/XX/2019. I contacted Wells Fargo mortgage and told him that I would be late with the payment. One payment. Then if theres anything I can do about it they brought up a an assistance program where are you can go six months without having to pay if you were laid off. I asked numerous numerous numerous times if this would affect my credit negatively. I stressed this I would not have done this if this would affect my credit. Wells Fargo stated it might. For six months they did not report my credit to the credit bureaus. After I found a job and their assistance program stopped, they reported that I was more than 150 days late on my mortgage. They denied me the right to make payments throughout this time somehow I wouldve gone out and done something sold something done something to make a payment to avoid a bad mark on my credit account but they denied me this right by not reporting it for six months. They stated that they report monthly. For six months they called and asked if I still needed assistance like it was nothing like it was a beautiful day theres no rush no problem no issues with this. I checked my credit report at least 2 to 3  times a week it was never reported. Had they reported it monthly like theyre supposed to I would not of been denied my right to fix this. They have damaged my credit beyond repair. This will be fixed one way or another its their choice.

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