vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
On XXXX XXXX XXXX my USAA credit card was hit with fraud. Thereafter, ALL of my accounts with USAA have been compromised. The problem is still not resolved completely. Hackers, who I believe have help from inside USAA opened 6 accounts for my checking, savings and credit card. They eliminated my XXXX XXXX  account which I used to transfer money into my savings account to pay my bills. Eventually, my XXXX XXXX was compromised and all roads lead to USAA. A second account was partially compromised. I tried to re-attach my XXXX XXXX XXXXXXXX  and USAA, XXXX XXXX in the Chairman 's office and I spoke multiple times and she told me my USAA can not add my USAA account because there were 7 accounts opened within 180 days. Multiple employees at USAA in the fraud department, chairman 's department and banking department KNEW that 6 accounts were opened by hackers, possibly with inside assistance from USAA. This went on for months. USAA prevented me from making payments. I tried making payments via phone and online. FYI, I've had USAA account for almost 42 years. The account went 30 days past due. I spoke with miss XXXX and told her I had no way to make a payment. She indicated she would not change the 30 day late report. That cost XXXXXXXX XXXX on my credit score. My credit limit has been downgraded without notice. It is the fraud that has been allowed to continue. Parenthetically, the fraud continues as someone inside of USAA charged my wife 's credit card for insurance. USAA never had her credit card legally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Someone stole my identity, can you remove please? XXXX has really investigated and done so already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: FL

Complaint narrative:
A COMPANY COLLETOR IS TRYING TO COLLECT A DEBT THAT I DONT RECONIZED OR OWMED i dont know any from this company i never recive a call or letter or any explanation of this debt i never sign a contract or buy any product with this company Balance {$13000.00} Balance updated XX/XX/2023 Original balance {$13000.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account.

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 2023-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Selene Holdings LLC
State: VA

Complaint narrative:
On Monday, XX/XX/2023 XXXX XXXX, I received a mortgage statement and the payment amount was doubled. I sent the below email to Selene Finance : " I am in receipt of my mortgage statement for XX/XX/2023. 

Today, I called Customer Service to inquire about my doubled monthly mortgage payment for a fixed loan ; in the amount of {$2600.00}. 

The Customer Service rep explained to me, it is a " Corporate Advance Fee. '' This email is to notify Selene Finance that I do not agree to paying the " Corporate Advance Fee ''. 

Therefore, I plan on sending {$1700.00} for my XXXX payment. 

Thank you for your for your understanding. 

I have also cc 'd my bankruptcy attorney in this email correspondence to file. 

Happy Holidays to all! '' My next response letter I received from Selene Finance was on XX/XX/2023. The contents of the letter was erroneous stating The letter further states it " acknowledges receipt of my request for loss mitigation ''. 

" The letter further requests Pay Stubs for XXXX and Mortgage assistant for XXXX. '' " The letter further states to submit missing documents by XX/XX/2023. '' Or Selene Finance may proceed with the pending foreclosure without further notice from you. '' First of all, I do not know who XXXX or XXXX is. 

I am not late in my mortgage payments nor have I requested a loss mitigation on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: NJ

Complaint narrative:
In the month of XXXX, as evidenced by the attached receipts, I requested an investigation to ensure compliance with the Fair Credit Reporting Act ( FCRA ). This act mandates that my information be accurately and completely displayed on my credit report. My dispute is not about the ownership of the accounts, as I acknowledge they are mine. 

My concern is solely about the accuracy of the information as required by FCRA Section 1681, which all Credit Reporting Agencies must adhere to. While some items were removed from my credit report ( as detailed in the attached documents ), they were later reinserted with the same inaccuracies. This reinsertion occurred because the creditor claimed the information had been verified as correct. 

According to the FCRA : ( i ) Certification of accuracy of information : If any information is deleted from a consumers file pursuant to subparagraph ( A ), it can not be reinserted into the file by the consumer reporting agency unless the furnisher of the information certifies that it is complete and accurate. 

The following accounts are still inaccurate : XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX Attached you will find certified mail receipts and copies of my current credit report with the mentioned accounts and inconsistencies.

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 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I submitted 3 securities ( applications ) and was not given a compensation/credit line. See attachment sent to Wells Fargo.

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 2023-12-19 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:
This is my XXXX complaint. I have provided my written information and my personal information. I requested proof providing statements showing I gave permission to have my information shared to third-parties for any purpose. If proof can't be provided remove inquiries and update information to Maximum Accuracy as required. The Fair Credit Reporting Act protects consumer privacy in multiple ways, including by " limiting '' the circumstances under which consumer reporting agencies may disclose consumer information. FCRA section 604, entitled " Permissable purpose of consumer reports, " identifies an exclusive list of " permissible purposes '' for which consumer reporting agencies may provide consumer reports, including in accordance with the written instructions of the consumer to whom the reports relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CREDIT BUREAUS FAILED TO UPDATE INFORMATION ON COLLECTIONS ACCOUNTS THAT SHOWS INCORRECT ON ALL 3 CREDIT BUREAUS, THE FOLLOWING ACCOUNTS HAS BEEN DISPUTED OVER 5 MONTHS AND STILL HAS NOT BEEN UPDATED XXXX, TRANSUNION AND XXXX ARE ILLEGALLY REPORTING INACCURATE AND FALSE INFORMATION.THIS ALLEGED COLLECTIONS ARE REPORTING OPEN WITH A PAST DUE BALANCE. THIS IS A VIOLATION OF REQUISITE OF XXXX XXXX COMPLIANT REPORTING STANDARDS IT'S BEEN MORE THAN 5 MONTHS AND THEY HAVE NOT DONE NOTHING AS FAR AS UPDATING THE STATUS OF THE COLLECTIONS. 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CREDIT BUREAUS FAILED TO UPDATE INFORMATION ON COLLECTIONS ACCOUNTS THAT SHOWS INCORRECT ON ALL 3 CREDIT BUREAUS, THE FOLLOWING ACCOUNTS HAS BEEN DISPUTED OVER 5 MONTHS AND STILL HAS NOT BEEN UPDATED XXXX, XXXX AND EQUIFAX ARE ILLEGALLY REPORTING INACCURATE AND FALSE INFORMATION.THIS ALLEGED COLLECTIONS ARE REPORTING OPEN WITH A PAST DUE BALANCE. THIS IS A VIOLATION OF REQUISITE OF XXXX XXXX COMPLIANT REPORTING STANDARDS IT'S BEEN MORE THAN 5 MONTHS AND THEY HAVE NOT DONE NOTHING AS FAR AS UPDATING THE STATUS OF THE COLLECTIONS. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

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 2023-12-19 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: DC

Complaint narrative:
That on XX/XX/2023 I sent XXXX a fair notice of Opting out.

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 2023-12-19 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: GA

Complaint narrative:
PLEASE REMOVE THE FOLLOWING INQUIRIES AND ACCOUNTS FROM ALL THREE CREDIT BUREAUS IT DOES NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX INQUIRIES : XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE 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 XXXXEQUIFAX ACCOUNT 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Bank fraudulently charged my credit card ending in XXXX interest of {$22.00} not {$2.00} even after I paid off my credit card and it didn't go into the next billing cycle. They have also been charging me {$28.00} on credit card ending in XXXX while I paid off my credit card in 2019. They have charged me an excess of {$1200.00} and I am due a refund. I have left messages without a response. I have also sent an email to XXXX without a response. Nothing has been resolved. 

Also, my banking information was provided without verifying that I am XXXX XXXX with phone number, address, credit card or banking information by XXXX from the XXXX and XXXX XXXX XXXX Chase Bank location. I am concerned how easily my private banking information was provided without verification. 

Nothing was addressed nor have a I received a response from the company at their email no did they provide a phone number to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: TX

Complaint narrative:
I did not authorized nor consent any of the following accounts and inquiries being on my credit report. I am aware of my consumer laws as you are able to see based on the documents attached. I demand that all accounts are negatively affecting my credit rating and violating my rights be removed or block from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023 I wired XXXX from XXXX XXXX to chase bank checking nr XXXX because the recepient has an account with the Chase Bank, the XXXX went thru. After I noticed few days ago that it was scammed, I immediately reoietec it to my bank which is the XXXX XXXX, then XXXX XXXX started their investigation hoping to recover my XXXX, they sent three times request to the Chase Bank however, the Chase Bank did not reply. I wrote this complaint to you so I can get my money back hopefully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OR

Complaint narrative:
During the week of XXXX, XXXX, I received a phone call on our land-line ( XXXX ) for my husband. He was at work and I said " Could I help? '' XXXX said there was fraud on my Bank accts. He called me once every day to check in with me for three days. I BELIEVED HIM. Later in the week, I told him that {$120000.00} was transferred from our personal savings into our business checking acct. without our authorization. 

When I went to the Bank on XXXX  the XXXX, the Banker immediately put all our accts on hold as well as on-line banking. We then were out of town for 3 days. 

On XXXX, XX/XX/2023 I went in and talked to our Banker. He checked thoroughly and didn't see any problems. He took the holds off and re-opened our on-line banking. I trusted him that everything was okay to do this. 

Then on Friday, XX/XX/2023 my husband was in the bank to do some withholding from another account. The manager and banker informed him that approx. {$100000.00} was taken from our business checking account by fraud, and we had a negative balance. After investigating, the info ( they said ) it all happened on my computer without my knowledge I don't know how and I don't know anything about their investigation. We need help!!!! We just can't take their word for it.

The thieves used their team mobile phone to transfer the $ to their bank account which has been transferred and not retraceable.

My husband is currently working with the head honchos on the phone with the Bank in another state where the headquarters are located. They don't return his calls, when they say they will call back within 48 hours.

What do we do??? I can scan some items if needed, Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request its immediate removal from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have inquiries that need to be removed from my credit report. I didn't give written authorization to have my report pulled by XXXX XXXX and Capital One. This is under XXXX XXXX XXXX XXXX XXXX. Capital One inquiry happened on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX inquiry happened on XX/XX/XXXX. 

There are late payments on my credit report. I wasn't notified within 21 days according XXXX XXXX XXXX XXXX. 

My student loan ( XXXX ) was forgiven by XXXX. XXXX XXXX. The report is showing the amount of {$140000.00}. 

I found inaccuracies with an collection account XXXX XXXX XXXX under XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: AZ

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX XXXXXXXX  Balance : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The consumer reporting agencies, XXXX, TransUnion and XXXX have not responded to my dispute after I have tried to let them know that they are furnishing inaccurate information. According to the law 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

The Consumer reports must be accurate this is law! I sent out my dispute on XX/XX/2023, and they did not respond and did not delete the inaccurate information off my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The consumer reporting agencies, XXXX, XXXX and Equifax have not responded to my dispute after I have tried to let them know that they are furnishing inaccurate information. According to the law 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

The Consumer reports must be accurate this is law! I sent out my dispute on XX/XX/2023, and they did not respond and did not delete the inaccurate information off my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: Avant Holding Company, Inc.
State: DC

Complaint narrative:
XXXX on XX/XX/2023 I sent XXXX a notice of Opting out. Also AVANT never disclosed to me my right to Opt-out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I have no knowledge of this suspicious activity on my credit report. I believe this has been fraudulent activity made on my SSN. I believe I am a victim of dark web identity theft. My information may have been impacted by the data breach and may have got into the hands of the wrong person.

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