vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: LEXISNEXIS
State: NY

Complaint narrative:
I HAVE DELT WITH XXXX XXXX XXXX ON 2 DIFFRENT OCCATION LAST 2 YEARS, AGO AND SOME TIME BEFOR THAT. I HAVE DELT WITH THEM TO NO AVIL EITHER TIME. I HAVE GOTTON NO HELP AND NOTHING WAS REMOVED AND BOTH TIMES THEY HAVE GOTTON PAYED .... I JUST DIDN'T WANT TO TRUST THEM ANYMORE. THE REASON WHY IM COMPLAINING IS I REALLY NEED MY REPORT FROM LEXIS NEXIS AND WHO EVER ELES HAVE WRONG INFOMATION ON ME REMOVE COMPLETY THERE ARE ADDRESSES THAT IM NOT NOR HAVE I BEEN ASSICIATED WITH AT NO GIVING TIME MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, THE CORRECT SPELLING OF MY NAME IS XXXX XXXX MY XXXX. XX/XX/1966 MY PHONE NUMBER IS XXXX I HAVE TRYED TO CLAIM MY UNEMPLOYMED SINCE LAST YEAR, AND THEY HAD MY ACCOUNT UNDER INVERSTERGATION FOR SO LONG I FINALLY GOT A CHECK THEY HAVE TOLD ME SOMEONE HAS BEEN USING MY SOCIAL SERCURITY NUMBER AND THEY TOLD ME THEY DELET THE UNKNOW FRAUD ACCOUNT PLEASE HELP ME I NEED MY CREIT REPORT FIXED ALNG WITH THE ITIEMS THATS ON THEIR. THANK YOU AND QUESTION PLEASE CALL ANY TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Billing Errors, notice was sent out XX/XX/2022 Also see attached documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/2022 there were two fraudulent checks withdrawn from my PNC bank account that has Low cash mode option to where the customer is able to return select checks. I was not given the option and checks were cleared by PNC. I contacted the customer service number on several occasions and filed complaint to resolve issue in XX/XX/2022 I was advised that they could not credit back account and return checks and did not receive a clear explanation as to why I was not given the option to return checks in low cash mode. I went to branch to complete two affidavits on XX/XX/XXXX. I was charged two overdraft fees totaling {$72.00}. I was advised on XX/XX/XXXX that I would receive a call back with 24 to 48 hours and no one has contacted me until today I received an email after I called and stated I was contacting to better business bureau. The email stated individual was trying to contact me after I advised I was contacting XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I was a victim of a scam. A merchant named XXXX XXXX but advertising themselves as XXXX XXXX Customer Service illegally charged my credit card {$900.00} through a combination of fraud, false information and extortion for getting a refund on tickets cancelled by the airlines. A few days later I discovered I'd been lied to and the transaction itself was a violation of U.S. law. So, I contacted my credit card company ( USAA Federal Savings Bank ) informing them and asking them to do a chargeback. Over the past three months I sent USAA several letters with proof attached and spoke with them twice on the phone. I even sent them a letter I received from the real XXXX XXXX Customer Service stating XXXX XXXX  was not them. The letter further stated XXXX XXXX processed the refund and did not charge the {$900.00} and XXXX XXXX did not have the authority to process a refund and so had nothing to do with it. The only thing XXXX XXXX did was charge my credit card {$900.00} and did nothing more. However, USAA is refusing to reverse the charge saying XXXX XXXX declined their request and falsely stated we cancelled a different flight to cover themselves even though the flight itinerary number on the XXXX XXXX matches the flight itinerary number listed for the flight canceled by the airlines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
The alleged debt has been sold without my permission and without the production of a new contract. You willfully sold this alleged debt and I have no contract with the debt collector you sold the account too- this is fraudulent activity. 
18 USC 1028 ( a ) ( 2 ) states Whoever, in a circumstance described in subsection ( c ) of this sectionknowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority shall be punished as provided in subsection ( b ) of this section. The punishment for this offense could be a fine or imprisonment according to 18 USC 1028 ( b ) ( 1 ).

There is no way anyone should have my social security number or any identifiable information. You DID NOT have my permission. This is IDENTITY THEFT & against federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act the listed accounts below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
On my TRANSUNION credit report i have XXXX inquiries that do not belong to me nor did i authorize. the 1St one is XXXX  XXXX on XX/XX/XXXX, 2nd one is XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX, 3rd is XXXX bank XX/XX/XXXX, 4th one is XX/XX/XXXX & 5th XXXX Mortgage XX/XX/XXXX. THEY REMOVED ONE PREVIOUSLY that was a XXXX bank inquiry but did not removed the others as promised. this is absolutely insane that I have to go threw so much over inquiries, I was told if I did a freeze they would remove my inquiries and did not. Please REMOVE THEM, they are NOT mine! THE POLICE WOULD NOT do a report as it was an inquiry and there was no accounts open. 

On my XXXX report I have XXXX inquiries that do not belong to me, The 1St one is XXXX XXXX on XX/XX/XXXX, 2nd One is XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, The3rd one is XXXX XXXX MORTGAGE on XX/XX/XXXX XXXX lease REMOVE THEM, they are NOT mine! THE POLICE WOULD NOT do a report as it was an inquiry and there was no accounts open!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 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 — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results/update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
The alleged debt has been sold without my permission and without the production of a new contract. You willfully sold this alleged debt and I have no contract with the debt collector you sold the account too- this is fraudulent activity. 
18 USC 1028 ( a ) ( 2 ) states Whoever, in a circumstance described in subsection ( c ) of this sectionknowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority shall be punished as provided in subsection ( b ) of this section. The punishment for this offense could be a fine or imprisonment according to 18 USC 1028 ( b ) ( 1 ). 
There is no way anyone should have my social security number or any identifiable information. You DID NOT have my permission. This is IDENTITY THEFT & against federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: AES/PHEAA
State: MO

Complaint narrative:
The alleged debt has been sold without my permission and without the production of a new contract. You willfully sold this alleged debt and I have no contract with the debt collector you sold the account too- this is fraudulent activity. 
18 USC 1028 ( a ) ( 2 ) states Whoever, in a circumstance described in subsection ( c ) of this sectionknowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority shall be punished as provided in subsection ( b ) of this section. The punishment for this offense could be a fine or imprisonment according to 18 USC 1028 ( b ) ( 1 ).

There is no way anyone should have my social security number or any identifiable information. You DID NOT have my permission. This is IDENTITY THEFT & against federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southwest Recovery Services, Inc.
State: ND

Complaint narrative:
I talked with a guy from XXXX today stated name was XXXX XXXX owner of company. We came to an agreement on a settlement but first I want a letter stating it was settled in full, and wanted to know how my credit would be updated he got really angry stating it would show settled on credit would not be removed and the I state well can't i just depute once paid and he state no I need to stop deputing and he would not take a settlement unless I stopped or did not depute and the stated I am the owner and since your going to depute I only want a payment in full now and no one in the office is allow to talk to or take payment on account if they don't tranfer him the call they would be fire stating his employees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i have new evidence experian is violating my rights. Now I am exercising my right under 15 USC 1681i ( a ) i am demanding and requesting the description of reinvestigation of the procedure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
On my XXXX credit report i have XXXX inquiries that do not belong to me nor did i authorize. the 1St one is XXXX  XXXX on XX/XX/XXXX, 2nd one is XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX, 3rd is XXXX bank XX/XX/XXXX, 4th one is XX/XX/XXXX & XXXX XXXX Mortgage XX/XX/XXXX. THEY REMOVED ONE PREVIOUSLY that was a XXXX bank inquiry but did not removed the others as promised. this is absolutely insane that I have to go threw so much over inquiries, I was told if I did a freeze they would remove my inquiries and did not. Please REMOVE THEM, they are NOT mine! THE POLICE WOULD NOT do a report as it was an inquiry and there was no accounts open. 

On my EXPERIAN report I have XXXX inquiries that do not belong to me, The 1St one is XXXX  XXXX on XX/XX/XXXX, 2nd One is XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, The3rd one is XXXX XXXX MORTGAGE on XX/XX/XXXX XXXX lease REMOVE THEM, they are NOT mine! THE POLICE WOULD NOT do a report as it was an inquiry and there was no accounts open!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I typically have no problem with credit cards because 1 ) I am a high income individual 2 ) with a relatively high credit score and 3 ) almost no debt since I have a paid for house with no mortgage or rent expense. I have an extremely low available credit on my Wells Fargo Visa card. My credit limit is only {$4000.00}. I have contacted the bank on multiple occasions in an attempt to raise the available credit on this card. However, I believe that I am a victim of XXXX discrimination. As a person of middle eastern descent I am offended at the corrupt business practices of Wells Fargo. The bank consistently engages in unethical disclosures that are misleading. When I provided my income information to the bank I was immediately offered a {$1000.00} increase in my available credit. However, I refused this offer. This was significantly less than my requested increase in the credit limit. I was told that my information would be sent to another department to review my request in order to secure a more significant increase in the available credit. I was told to call back in 2 hours. Unfortunately, when I called back in 2 hours I learned that the bank ignored my request to have a significant increase in the credit limit. Wells Fargo ignored my request and simply increased the available credit by an unacceptable {$1000.00}. I am constantly asked to navigate the banks inefficient and unproductive voice mail mazes only to be disappointed with term conversations with incompetent customer service agents. The last customer service agent told me that he was " making a note that I requested someone from Wells Fargo call me ''. When I asked when a Wells Fargo representative would contact me, he confessed that no one would actually call. He confessed that he was merely " making a note '' in my account. The Wells Fargo representative eventually agreed that this comment was misleading. It seems reasonable that his comment indicated someone would contact me. I am extremely upset that Wells Fargo does not value high income individuals that don't happen to be traditional rich white men. I am tired of the constant scandals and lies from Wells Fargo. I expect to be treated better. The bank needs to contact me to discuss my request to have my credit limit increased. Wells Fargo seems to hate talking to customers who aren't traditional rich white men.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: CA

Complaint narrative:
I have hard inquiries on my credit report that are unauthorized and were done without my consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX/ Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX This is not my correct address. Remove it immediately from my credit report. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX - This is not my correct address. Remove it immediately from my credit report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX USDOE/XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX* U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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