vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello cfpb, the following list of dates and corresponding company names are fraudulent inquiries on my credit report that I did not authorize the companies to pull my credit and should be removed from my credit report. 

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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you in advance, Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I went to BJs. They asked if I wanted to credit card ; I got the card, through Comenity Bank, a Mastercard. I have NEVER used the card, but starting in XX/XX/2022, a " clothing company '' in Texas has been billing me, each month ; all those monthly charges are FRAUD ; it was NOT me who made those charges. I have called the Bank for 6 months, every phone number I could find. Comenity Bank NEVER answers their phones ; I've sat on hold in over 50 call attempts, on hold for 2-9 hours. No answer. PLEASE HELP ME!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-03 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: FL

Complaint narrative:
I have been a victim of Identity theft and I notified Equifax and XXXX XXXX XXXX to dispute a fraudulent eviction account in the amount of {$6100.00} which has been inaccurately reported since XXXX of XX/XX/2019. The fraudulently account continues to be inaccurate reported on my credit file even after I have provided documentation from the FTC, IRS and police showing that my identity was stole by XXXX XXXX XXXX. I have filed numerous disputes to no avail. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-03 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-03 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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/2022, I purchased a desk top computer and software, XXXX XXXX from XXXX XXXX. But during the purchase process, there were problems, and so I cancelled the order by phone with XXXX XXXX. The told me it was done. However, the XXXX credit card I have with the Navy Federal Credit union was still charged the full amount for both products {$900.00}. I called XXXX XXXX again and told them I had cancelled both, and they said they would take care of it, however, they only credited the amount of the desk top {$850.00}. The charge for the XXXX XXXX was not credited. I went into XXXX XXXX  website and chatted with a representative, who told me that that was a separate charge done by XXXX and I would need to call them, which I did. They told me that XXXX XXXX charged the amount, and therefore they were the ones to deal with. The problem however, is with the XXXX XXXX XXXX XXXX I notified them by their website, sent them a copy of the receipt, copy of the XXXX statement. They declared that wasn't enough, that I would need to send a cancellation of the software. I obtained that from XXXX XXXX, and forwarded it to them. They said that the cancellationn of the software didn't indicate the amount and therefore they could not approve the discount. When in fact, the XXXX statement reflected the whole transaction process. They have since closed my request. And I don't know why. All I want is the refund {$53.00} credited to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I have been trying to resolve a dispute that has bee mishandled by USAA. During this process, I asked USAA to alternatively issue a miscellaneous credit to my account instead of continuing to mishandle the dispute. 

I was told it was " impossible '' for USAA to do that. The representative I spoke with, who claimed to go my the name of " XXXX '' reiterated that not a single employee at USAA has the ability to issue any sort of account credit or an adjustment to an account. I again asked if she stood my this claim to which she confirmed - It is an impossible act for any person at USAA to issue any sort of credit to my account. 

I do not believe this. I suspect I have been lied to. I asked for specific reasoning and was told " that is not how the system works. '' I do not accept this explanation. I feel misled and misinformed by the products offered by USAA and request a canonical explanation addressing the possibility in issuing an adjustment to account. 

Further, I feel retaliated against for making complaints to the CFPB, as the associate became observably frustrated with my continued attempts for clarification despite her continuing to either provide misleading out contradictory answers. An example of contraction came within her various statements such as " it would have to be a fee or a dispute for an adjustment '' which suggests the possibility to issue adjustments. Further, my account does contain an ongoing dispute, so issuing an adjustment with a dispute as a basis confirms the possibility of adjusting the account. 

I've been lied to and USAA is continuing to egregiously mishandle my credit card dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Called XXXX XXXX they said they are not suing me. Hired a private investigator. He said trust claiming ownership does not exist, tax numbers also do not exist, people signing documents are not employees of the company they are claiming and are actually employees at the time of XXXX XXXX XXXXXXXX. Actual company loan was took out from ceased existence in 2007 and forfeited their license in 2007 to do business. Documents submitted to initiate case and to support their case are from another non named party called select portfolio servicing. They are a non named party and their power of attorney is actually a limited power of attorney which strictly prohibits any participation in legal matters. 
Also the documents filled in the courts have been altered, do not comply with the express conditions precedent of the trust founding documents, and fail REMIC laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The account in reference is my account with XXXX XXXX XXXX XXXX XXXX. 

Issue 1 : Debt is validated but being reported inaccurately Issue 2 : Differing reported balances [ Equifax is showing {$1000.00}, XXXX is showing {$1000.00} ] Issue 3 : Date of last payment is difference [ Equifax is showing XXXX XX/XX/2022, XXXX is showing XX/XX/2022, XXXX is showing XXXX XX/XX/2022 ] Issue 4 : Account numbers all differ According to U.S. Code 1681i- if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The account in reference is my account with XXXX XXXX XXXX XXXX XXXX. 

Issue XXXX : Debt is validated but being reported inaccurately Issue XXXX : Differing reported balances [ XXXX is showing {$1000.00}, Experian is showing {$1000.00} ] Issue XXXX : Date of last payment is difference [ XXXX is showing XXXX XX/XX/2022, Experian is showing XX/XX/2022, XXXX is showing XXXX XX/XX/2022 ] Issue XXXX : Account numbers all differ According to U.S. Code 1681i- if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2022-11-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from XXXX IN. for the amount of XXXX opened on XX/XX/2022, 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 2022-11-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from XXXX IN. for the amount of XXXX opened on XX/XX/2022, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays view master credit card. 
Credit card last four number is XXXX. 
Credit card company charge $ XXXX for convenience on my credit card. 
Its Fruad was not authorized by me. 
I file a complaint to credit card about this fruad entry at credit card Fruad department. 
Finely credit card company says its valid entry but its fruad on my credit card.

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 2022-11-03 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: T.S. Holdings
State: FL

Complaint narrative:
I have been a victim of Identity theft and I notified XXXX and XXXX XXXX XXXX to dispute a fraudulent eviction account in the amount of {$6100.00} which has been inaccurately reported since XXXX of XX/XX/2019. The fraudulently account continues to be inaccurate reported on my credit file even after I have provided documentation from the FTC, IRS and police showing that my identity was stole by XXXX XXXX XXXX. I have filed numerous disputes to no avail. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received a letter on XX/XX/2022 from an attorney 's office that I am being sued by Portfolio Recovery Associates on XX/XX/2022. I have not received any notice that they are pursuing legal action, nor have I been served. I have never gotten a straight answer about where this debt came from or where they bought it from. I will not pay a company that profits on fear and intimidation tactics. There is no reason that I should have to pay a company that can't provide me with details of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I received a check from a customer/scammer in the amount of {$1700.00} on XXXX. 
I deposited the check through PNC mobile on XXXX. 
Check cleared with the bank and funds were deposited into my PNC account on XXXX. 

On XXXX and XXXX, the customer/scammer sending the check requested a partial refund of {$1000.00}, and {$600.00} through XXXX, respectively. 
I confirmed that the check cleared with my bank, and proceeded to XXXX the individual those amounts. 
In the evening of XXXX, the check was refunded. 

I called PNC to file a dispute on XXXX, once I realized I had been scammed- they indicated that the department handling such cases was closed over the weekend. 
I called PNC again on XXXX to file the dispute. 

I called PNC on XXXX to get a status update on the dispute- PNC informed me that the dispute was ruled against me on XXXX despite the charges being fraudulent and predicated on the confirmation from PNC that the check had cleared and was processed during the week of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My credit report through Transunion dropped by XXXX points. No explanation given by the reporting agency. My balances have decreased on all my credit cards. My XXXX  credit report has gone up. Transunion can not give me an explanation other than my credit cards are over 30 % utilization, which I have been bringing down. There are no derogatory remarks on my credit report. With a drop of XXXX points this could hurt my credit which I have been trying diligently to keep in good standings. Please help.

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 2022-11-03 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXD XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Today I called navient my loan serviSer. I want to take advantage of the care act and get some of the money i pay to navient during the pandemic. They told me that my federal student loan are not covered under the care act because they own my loan. I asked them how is possible because I never received any notice telling them that my federal student loan was sold to navient. I only know that they are just the servicer of my loan. They told that now I am not even qualified for the student loan forgiveness. I am very confused now. They told me the only to get my loan under the federal government is to consolidate them. I know for a fact my federal student loans were consolidated when navient was sally Mae. I really dont know what is going on here. I have always my federal loan on time how come now I cant take advantage of the care act law now.

Company response to consumer: Closed with explanation