vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX I was contacted at XXXX by XXXX XXXX XXXX  regarding an overdue bill due to a new debit card being issued. I paid the bill immediately via phone using a credit card. 

At XXXX at the end of the business day, I received a phone call from a person in a call center who had my account information, name phone number and stated the electric company was at the box in the front of my apartment complex waiting to shut off my electricity if I did not pay immediately. they said I must pay via XXXX because my payment from that morning was declined. 

They also stated that I was farther behind on my bill than I had been informed because a new billing cycle was coming around, and that I owed {$1000.00}. 

They had me process 3 XXXX transactions from my USAA checking account in the amount of {$420.00}, {$420.00}, and {$110.00} in a row to bring my account up to date. 

I immediately called USAA and tried to stop the transactions realizing that it did not make any sense, but the money was already gone. USAA states they were not able to recover the money from XXXX. 

I called USAA again on XX/XX/XXXX and was told that the results of the 30-45 day investigation found me to be responsible and that they would NOT protect my transaction error. I escalated the dispute but did not hear back. 

I called USAA again on XX/XX/XXXX, citing Regulation E regarding XXXX XXXX  and they stated again that they would not refund my account but would send my request to a person to call me back within 3-5 business days. 

I informed them that the regulation CLEARLY STATES they are responsible for protecting me as the consumer, and they are still refusing to refund my money. I informed them on XX/XX/XXXX that I would be filing a complaint with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: NC

Complaint narrative:
I have Fraudulent Inquiries on my credit reports for XXXX XXXX Transunion I have disputed these inquiries multiple times. 

Fraudulent Inquiries XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 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: NC

Complaint narrative:
I have Fraudulent Inquiries on my credit reports for XXXX XXXX XXXX I have disputed these inquiries multiple times. 

Fraudulent Inquiries XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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:
It has come to my attention that, although I have written several letters, asking for validation of debt verification of debt audit trails I am not getting any response because of the automated system. These credit reporting agencies have in place, which is in fact, a violation. They do not have any permissible purpose for reporting any of these inquiries on my report. I am demanding these accounts be removed immediately off my credit report as it is in violation to the following federal constitutional laws. 

I am afraid these credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness and partiality, and a respect for the consumers privacy. I did not give consented these accounts, or permissible purpose. I have remain humble despite the stress abuse, and harm these three credit reporting agencies have done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: FL

Complaint narrative:
It has come to my attention that, although I have written several letters, asking for validation of debt verification of debt audit trails I am not getting any response because of the automated system. These credit reporting agencies have in place, which is in fact, a violation. They do not have any permissible purpose for reporting any of these inquiries on my report. I am demanding these accounts be removed immediately off my credit report as it is in violation to the following federal constitutional laws. 

I am afraid these credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness and partiality, and a respect for the consumers privacy. I did not give consented these accounts, or permissible purpose. I have remain humble despite the stress abuse, and harm these three credit reporting agencies have done to me.

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 2023-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
From XXXX XXXX XX/XX/2022, my interest rate was 10 % and with the credit at the time of the purchase, it did not make sense. 2022-current, it was lowered to 9.8 %, I asked how to go about it being lowered or refinanced, however they stated they could not -- which runs the risk of the loan age starting over if I go thru with another bank. Lastly, my current statement says I have a late fee charged for a payment for XXXX that's not due yet.

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 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
This is most ridiculous bank ever. They promise you something and never keep up the promise. There was a late fee of {$29.00} on my account in XX/XX/2023 and I was promised by various customer care agents that it would be waived for me as a one time courtesy after I had requested for it to be waived. I called in several times and wasted several hours in the process and haven't got my fee back despite these attempts. 

I had spoken to the following people who had promised me to waive the return fee XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX When I called today - XXXX XXXX, this ridiculous manager named XXXX spoke to me and she said they wont waive that fee despite that being promised by other agents. Are you serious? 

The last 4 of my CC - XXXX. I don't have my full card number handy on me

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 2023-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
It was on XX/XX/2022 when paypal limited my account for no apparent reason. Being a XXXX person who constantly works as a XXXX  for a living it's very unfortunate that Even after Sending the documents PayPal requested identity confirmation and could not uplift my Account. Im going through a lot due to lack of funds and being a XXXX person i feel so bad paypal even cant reply to my messages. Please I need the account restored in order for me to relieve my life. This issue is almost dragging me into XXXX. Kindly assist me accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Hard credit inquiry not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 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: MI

Complaint narrative:
The following inquiries I have previously disputed with the CRA and they have failed to provide proof of the fraudulent inquiries with my signature XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 States I have the right to privacy These are all being reported without permissible purpose.

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 2023-02-06 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: MI

Complaint narrative:
The following inquiries I have previously disputed with the CRA and they have failed to provide proof of the fraudulent inquiries with my signature XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 States I have the right to privacy These are all being reported without permissible purpose.

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 2023-02-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XXXX XXXX XXXX  to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XXXX XXXX XXXX to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
This complaint is for a home equity line of credit ( HELOC ) with Specialized Loan Servicing ( part of the XXXX XXXX ) at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. 

XX/XX/XXXX : I received a payoff quote of {$120.00}. There was no previous balance due on the account, and the payoff amount was for fees to release the lien. 

XX/XX/XXXX : I submitted a letter to SLS requesting that they freeze my account to so that I may pay the payoff amount and close the account. I submitted this letter per instructions from an SLS rep. 

XX/XX/XXXX : I paid {$120.00} per the payoff quote. 

XX/XX/XXXX : I received an email confirmation from SLS that my payment had been applied to my account. 

XX/XX/XXXX : I called XXXXLS to request that my payment be applied to my account and for the account to be closed. I was told that the payment would be applied within a few days and that by XX/XX/XXXX I should receive a letter from SLS that the lien has been released and account closed. 

XX/XX/XXXX : SLS generated the monthly account statement on this date and the {$120.00} payment is still unapplied. 

XX/XX/XXXX : I did not receive a letter from SLS about releasing the lien and closing the account. 

XX/XX/XXXX : I have still not received a letter from SLS about releasing the lien and closing the account. I called SLS to ask about the status of closing the account. I was told that I needed to submit a letter requesting the account to be closed and a copy of my drivers license. I was not told this information when I requested the payoff quote or when I called SLS in XX/XX/XXXX. The SLS rep said she would escalate my complaint to a supervisor who would call me back to also tell me that I need to submit a letter requesting the account to be closed and a copy of my drivers license. 

I believe the company is intentionally not closing the account and changing the requirements to close the account in order to keep the account open as long as possible and stop from losing a customer.

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 2023-02-06 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: VA

Complaint narrative:
I recently reviewed my consumer report and find that there are numerous fraudulent addresses, accounts, inquiries, and employers listed on my consumer report. No company has reached out to me about the accounts being reported to my consumer report. I reached out to each company to let the company know that the transactions that took place to open these accounts are indeed fraudulent. I did not consent to, authorize, nor benefit from any of the following accounts and inquiries. Please block and remove them immediately : ACCOUNTS : XXXX  XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX INQUIRIES : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX. 

EMPLOYERS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please be advised, this request to block and remove all listed items resulting from fraud is not done in error. Thank you for your attention to this matter. I assure you will not discriminate.

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 2023-02-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-02-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AL

Complaint narrative:
Several months ago, I was notified that my credit score had been negatively impacted due to a collection filing. My credit score normally hovers around 830-850. 
Upon investigation, the collection account was for an XXXX & XXXX debt in the amount of {$1200.00}. I have no business with XXXX XXXX XXXX. 

I called XXXX XXXX XXXX to advise them that this is not my debt. Upon discussion with XXXX XXXX XXXX, they said that someone purchased a phone through credit and then never made any payments. Clearly, this was some sort of scam and XXXX XXXX XXXX was victimized. 

We agreed that the account was : 1 ) not set up in my name, but in the name of XXXX XXXX, 2 ) the social security numbers did not match and 3 ) the street addresses did not match.

They agreed to release the collection and move on. I followed up with all three credit agencies and the collection has been removed. 

Last week, I received a debt collection notice on behalf of XXXX XXXX XXXX from ERC. It seems they now have my address, which I gave to them on the phone when I originally called to prove they had the wrong " XXXX. '' I will restate the following : 1 ) I am not XXXX XXXX and have never been XXXX XXXX ; 2 ) I do not know who this person is ; 3 ) The XXXX & XXXX account and collection letter is in the name of XXXX XXXX, who is not me ; XXXX ) XXXX XXXX has never lived at my current or prior addresses ( I have lived at my current address for 23 years ) and 4 ) none of the other identifying factors match to me. 

I have spent a great deal of time already on this issue. I do not know how to get AT & T to cease and desist contacting me directly or indirectly through collection agencies. 

This is not my debt. I am not this person. Your help in resolving this issue would be greatly appreciated. It is threatening, stressful and time consuming to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2023 I would like to file a complant against Wells Fargo Bank. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Tel : XXXX I have a checking and saving account number : XXXX XXXX XXXX and I am the principal. 
I have been trying to buy a CD for $ XXXX and they never took time to work with me, Did not call me as they promised, Cancelled two appointments, complained to Executive offce, talked to XXXX and no follow up or result. Waisting my money without earning interest.case number XXXX. 
Your cooperation will be greatly appreciated. 
Sincerely, 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 explanation