vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I requested to wire {$2000.00} to a foreign bank ( XXXX XXXX in XXXX ). The wire has been reversed on XX/XX/XXXX, and a {$50.00} has been deducted from the " transferred '' amount retuning back {$1900.00}. The {$50.00} charge is in addition to the {$25.00} and {$20.00} fees charged per transaction. On XX/XX/XXXX when I learned of the reversal, I tried to send it again, I called USAA again and re-initiated the same amount as above. Same story, same fees charged. I went ahead and contacted the receiving bank ( XXXX ) and they advised that were never presented with funds or message that a incoming wire is to be processed. I have attached the document they provided. 
Since I have tried twice and USAA is washing hands stating that is not on them, but rather the receiving bank, I change the recipient bank so on XX/XX/XXXX, I sent {$3000.00} to XXXX in XXXX. Sure enough, that one has also been reversed with the same fees charged from my funds. 
Tired of this, I sent the funds using the XXXX XXXX wire transfer and there was no problem at all. For sure USAA have an issue on their side, but they are refusing to acknowledge it. I have spent a number of hours on the phone with them, but I got nowhere. No resolution. My case was handled by XXXX and XXXX in the wire resolution department, but no positive outcome. Upon my tries to use them to wire out and being unsuccessfully, I have asked them to refund my charges for not performing on a process that I see no problem with other money wire services.

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 monetary relief
Consumer complaint received 2025-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the Convergent account has violated my rights.

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

18 U.S.C. 1028A Aggravated Identity Theft 15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

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.

15 U.S.C 6802 Obligation with respect to disclosures of personal information According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.

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 2025-01-07 00:00:00
Product: Credit reporting 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:
It has come to my attention that my personal information has been exposed in a national data breach. Upon reviewing mycredit report I noticed some accounts I am not familiar with and I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information that I'm not familiar with.

Please find attached acopy ofmyID, FTC complaint, acopy of the NPD report showing my information being exposedin a national database.

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 2025-01-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I saw XXXX unauthorized personal loans from XXXX reported on my Experian credit report. I have never applied for any personal loan from XXXX so I disputed them on XX/XX/XXXX. To my surprise, Experian said I am responsible for all of them when I checked the dispute results on XX/XX/XXXX. The first loan has an original balance of {$460.00}. The second loan has an original balance of {$78.00} and past due of {$27.00}. The third loan has an original balance of {$65.00} and past due of {$46.00}. The fourth loan has an original balance of {$290.00} and past due of {$8.00}. According to the website of Affirm, one of the eligibilities of loan is that the customer must " be a resident of the U.S. ( including U.S. territories ) '' and I am not. I do not understand why I had XXXX loans with Affirm when I have never applied any loans with them and never received any communications regarding identity verification, loan approvals and loan payments. I also do not understand why XXXX approved XXXX loans to a customer who does not meet their own loan eligibility requirement. I am extremely unsatisfied with XXXX for its lack of verification of the applicant 's identity and with Experian for its way to handle the disputes in a improper manner.

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 2025-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC
State: FL

Complaint narrative:
Problems with the passage of the last XXXX hurricanes, with severe effects due to floods, job loss, low income, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I was a part of equifax data breach and my information was used to obtain fraudulent credit accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX allows 3rd party agencies to continue reporting unfair debt practices to my credit file that are error and obsolete. I have not gotten any verified information that that have used to verify that the debt belong to me. 
There are several accounts I have disputed and they refuse to mail me the verified information. 

XXXX Account information # XXXX Closed acct Date open XX/XX/year> Acct type charge off {$730.00}

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 non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  allows 3rd party agencies to continue reporting unfair debt practices to my credit file that are error and obsolete. I have not gotten any verified information that that have used to verify that the debt belong to me. 
There are several accounts I have disputed and they refuse to mail me the verified information. 

XXXX Account information # XXXX Closed acct Date open XX/XX/year> Acct type charge off {$730.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My consumer rights have been violated severely, my consumer report is extremely inaccurate and a clear misrepresentation of who I am and my credit worthiness. Besides being involved in XXXX data breach I do not see how credit bureaus made the mistake of allowing this many inaccuracies or fraudulent accounts take place. I am requesting an immediate removal of accounts filed in ftc report along with my 605B and proof of who I am. XXXX, XXXX, and Transunion will not allow me to access an account for a free version of my credit report so I was forced to purchase from credit hero and I have included each unverified and inaccurate piece of information allowed to be place on my consumer report. I am completely disheartened and mentally struggling due to the unfair practices being allowed on me as a consumer. 

- I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists -Violation of 15 USC 16811 ( a ) ( 6 ) B ) ( il )

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 2025-01-07 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My consumer rights have been violated severely, my consumer report is extremely inaccurate and a clear misrepresentation of who I am and my credit worthiness. Besides being involved in XXXX data breach I do not see how credit bureaus made the mistake of allowing this many inaccuracies or fraudulent accounts take place. I am requesting an immediate removal of accounts filed in ftc report along with my 605B and proof of who I am. Experian, XXXX, and XXXX will not allow me to access an account for a free version of my credit report so I was forced to purchase from credit hero and I have included each unverified and inaccurate piece of information allowed to be place on my consumer report. I am completely disheartened and mentally struggling due to the unfair practices being allowed on me as a consumer. 

- I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists -Violation of 15 USC 16811 ( a ) ( 6 ) B ) ( il )

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, This is a request to correct derogatory information furnished by your company to the credit reporting agencies concerning the account mentioned. Provide me with proof of the following : 1. Proof of contract to establish that your company was entitled to enforce a commercial claim against me.

2. Provide me a certified copy or an original contract, with my signature. 
a. Certification can be done through the presence of a Notary Public, who duly swears that the copy is a copy of the original contract in question.

3. Send me proof that your company notified me before or no later than thirty ( 30 ) days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishings or information was going to take place.

a. This notification is required under the Fair Credit Reporting Act, Section 623 ( 7 ) ( a ) b. Therefore, provide proof of notification ( a copy of the notification sent ) and proof that it was delivered to me promptly. 

Suppose you can not provide proof of notification or contract and date of receipt and provide me proof that your company notified me before or no later than thirty ( 30 ) days. In that case, you must cease all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you continue your collection efforts against me without proof, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the Federal Trade Commission 3. In addition, by previously using the mail to collect on this account you may also be subject to both civil and criminal liability under ( mail fraud ) statutes according to section 18 U.S.C. 1341, which I will file a complaint with the XXXX XXXX XXXX against you. 







By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand you will recheck these items with the creditor who posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

The following inquiries need to be removed from my credit report. 

Account : REMOVE XXXX  XXXX bankruptcy REMOVE

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 2025-01-07 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: SC

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

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 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have XXXX, XXXX in my checking account with Capital One bank which is the only money I have anywhere. I also have a debit card attached this account. Over a week ago my account was shut down for " suspicious activity '' by their back office in the XXXX ; after i objected to charge the previous month for under XXXX $ with XXXX I attempted to use my card last Sunday and found it was being declined for purchases. 
I called the bank and they stated that my account was closed for personal reasons on their part. I also asked where I could retrieve my remaining funds as I need them and was told by the agent the closest bank to me according to her system was in Virginia. I am in Washington State, and this is not accurate. 
I asked to be transferred to a supervisor and the Supervisor told me I could go to an ATM at any captial one cafe in my area and use my debit card to take out the funds. My debit card was shut down by them also and they refuse to reactivate it. So this is a lie that I would be able to do this. I asked for more help and he said he did not have to help me at all locating a branch location or even help me with resources since they terminated the banking relationship. 
Its been XXXX weeks and I called today and my check has not been cut in order to be mailed to me ( since I was told now today this is the only way to reconcile my remaining funds ). Every charge has cleared in my account and ever pending purchase has settled and things are still at a standstill. I have asked over and over to over XXXX supervisors for a check to be EXPEDITED to me and they are telling me it is up their back office in XXXX XXXX to deal with this and they can not put a timeline on it. XXXX agent told me it would be XXXX business days after the XXXX and today the most recent supervisor told me it would be whenever they get around to it. This is not okay and not ethical to allow foreign agents to make decisions of this gravity and caliber with their clients bank money and " play XXXX ''. 
My bills have since lapsed and I have not been able to pickup medication that is integral to my health and make purchases for sheer essentials. I need help with this ASAP and i need to file a serious complaint against this bank that I have been a client of for over 7 years now and has treated me so horribly based on a whim. I was also traveling during the period of time when my card was shut down and this could have put me in serious physical danger circumstantially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Someone stole my identity and opened a XXXX XXXX XXXX American Express card in my name, while I already had a Hilton Honors American Express account. The fraudster opened this additional account without my consent or knowledge. Payments for the unauthorized charges were made from my checking account, but I never authorized or knew about the XXXX American Express card. I have filed both an FTC Identity Theft report and a police report, yet I am still being told I owe money on this fraudulent account. The funds for these payments came directly from my checking account. Furthermore, the Hilton Honors American Express account should not have any balance, as I was not responsible for any of the charges on that account either. I am requesting that this matter be investigated and resolved immediately, including the removal of any balances on the Hilton account and a refund for the unauthorized payments made from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My credit was used in a data breach as fraudulent charges and names and addresses that are incorrect

Company response to consumer: Closed with explanation