vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2022, I was alerted by XXXX that a credit report inquiry had been completed in my name. Upon researching, it was discovered that a credit card had been opened in my name through USAA. After making a credit report dispute with XXXX, they suggested that I call the bank. On XX/XX/2022, it was found that there was an {$8.00} balance on this credit card and I reported the fraud to USAA. I was told it would be investigated, and that someone would reach out to me with information. No one has contacted me. I have called them on several occasions, noting that I have not been contacted and expressing concern that this card was still active. I continued to receive alerts from XXXX that my credit score was dropping. I spoke with someone in XXXX and was told that the card had been flagged and investigations are usually concluded quickly once reported. This was the second or third time I had reported the issue. On XX/XX/2022, I received another alert from XXXX. I was able to speak with XXXX at USAA who informed me that the card is still active and charges are still being placed on it despite having been flagged as fraud and being open for investigation. This fraud was reported in XXXX, it is now XXXX and now over {$4000.00} has been charged to this account which is not mine. I am not even a member with USAA, nor have I ever been. After speaking with USAA on XX/XX/XXXX, they have informed me that despite my calling and reporting multiple times, the card will continue to be active and they can not shut it down. It has only just now been suggested that I complete a credit report dispute with USAA. I have now completed this form, but it took over a month to even suggest it be completed. I have discovered through XXXX ( USAA said they couldn't verify ) that this card has a {$15000.00} limit and the balance keeps rising. USAA has known for almost six weeks and has done nothing to stop this fraud despite having multiple notes in their system stating that I have called multiple times to flag the account as fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: NY

Complaint narrative:
I have inquiries, i have no knowledge of. 

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 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 2022-06-11 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account 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 2022-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: ATLANTIC COAST MORTGAGE, LLC
State: WV

Complaint narrative:
I closed on a home purchase XX/XX/2022. My wife and I were the only ones there to close with the attorney. Atlantic Coast Mortgage charged me {$18000.00} in " loan fees '' with a VA loan. I've never had to pay anything up front with a VA loan. When I asked for an explanation I was ignored. 

Atlantic Mortgage XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act DPT EDXXXX Account # XXXX, DPT ED/XXXX Account # XXXX, DPT ED/XXXX Account # XXXX, DPT EDXXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account 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 2022-06-11 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: GA

Complaint narrative:
XXXX XXXX  XXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX XXXXXXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX XXXX XXXX {$67.00} XX/XX/XXXX this account is unknown to me. 
XXXX {$67.00} XX/XX/XXXX, XXXXThis account is unknown to me. 

XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XX/XX/XXXX. This inquiry was not authoized by me XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
US SM BUS ADMIN ODA XX/XX/XXXX. This inquiry was not authoized by 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 explanation
Consumer complaint received 2022-06-11 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: GA

Complaint narrative:
XXXX XXXX  XXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX XXXXXXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX XXXX XXXX {$67.00} XX/XX/XXXX this account is unknown to me. 
XXXX {$67.00} XX/XX/XXXX, XXXX account is unknown to me. 

XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XX/XX/XXXX. This inquiry was not authoized by me XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
US SM BUS ADMIN ODA XX/XX/XXXX. This inquiry was not authoized by 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 2022-06-11 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX  # 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 have all violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 explanation
Consumer complaint received 2022-06-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX this account is involved in litigation XXXX XXXX XXXX this account is involved in litigation XXXX XXXX XXXXXXXX I have no knowledge of this account I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt nor therefore any such debt, in fact exists.

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 2022-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On Saturday XX/XX/2022, I received notification from XXXX XXXX that my IKEA credit card was closed. I called into IKEA customer service and spoke with three representatives. The first representative I spoke to I had to get an analysis on the line and speak with them to find the reason behind my card being closed. The reason she said my card was closed was due to inactivity. She said that on the bank side that my card was scheduled to be closed on XX/XX/XXXX of 2022 if a purchase was not made. 

I told the representative that I just made a purchase on my IKEA card on XX/XX/XXXX of 2022 so how can my card be closed due to inactivity. I also informed the representative that I did not receive any notification at all not via email not via regular mail not via phone call or text message that my account was up for closure due to inactivity. 

She was unable to give me an answer and told me to reapply for a card. I told her I did not wish to reapply because 1. The company closing my card has already negatively impacted my credit report and 2. If I reapply it will be a hard inquiry into my credit report and that will also drop my score. 

She told me that there was nothing that she was able to do but she can escalate the situation to her supervisor. 

So I spoke with her supervisor who agree with me that no notification was sent to me at all from the bank and that my account should not have been closed because I made that purchase in XXXX of 2022. She's unsure of why my account was closed and told me that the only thing she can do is escalate the situation further. 

So I spoke with XXXX XXXX XXXXXXXX who told me that the only thing I'm able to do is to write into the bank explaining the situation and see what happens from there. 

I believe is extremely unfair that my account was closed. It has negatively affected my credit score and there was no reason for the account closure. I did not receive any notification that the account was going to be closed due to an activity but regardless of that fact I did make a purchase and XX/XX/2022 which should have offset the account closure of XX/XX/2022. I will be writing a letter into the company but I feel the need to make this complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: GA

Complaint narrative:
InXX/XX/XXXX XXXX XXXX closed my account with me still making payments after they had closed the account then on XX/XX/2019 Open the account back up and came to repo the XXXX XXXX XXXX from me and closed the account again. Then reported it to the credit agency as a {$0.00} balance then reported a {$3400.00} balance and now reporting a {$9900.00} balance. When trying to get the car back I was given the incorrect information about where the vehicle was located. I was given your information from Experian Yesterday after fight with them all this time!

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 2022-06-11 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: NY

Complaint narrative:
I have inquiries, i have no knowledge of. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX US SM Bus Admin 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 XXXXXXXX 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 2022-06-11 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: NY

Complaint narrative:
I have inquiries, i have no knowledge of. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
remove all old adresses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
remove all old adresses

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 2022-06-11 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: TX

Complaint narrative:
EQUIFAX did not conduct a proper investigation and wont tell me what source they got their information. The XXXX XXXX XXXX account ending in XXXX is attachment account. The mailed me a letter stating they will not reinvestigate. Conducting an E-Oscar investigation is not a proper investigation. I will attach the police report and the EQUIFAX letter they mailed me. In accordance with the Fair Credit Reporting act, EQUIFAX has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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:
XXXX XXXX XXXX XXXX this account is involved in XXXX XXXX XXXX XXXX this account is involved in XXXX XXXX XXXX  XXXX I have no knowledge of this account I have not supplied proof under the doctrine of estoppel by silence, Engelhadt V. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX this account is involved in litigation XXXX  XXXX XXXX this account is involved in litigation XXXX XXXX XXXXXXXX I have no knowledge of this account I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt nor therefore any such debt, in fact exists.

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 2022-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have a checking account with TD Bank. At some time prior to XX/XX/2022, someone attempted to open another checking account and a savings account under my name with TD. I received a letter in the mail saying " thank you for opening a new checking account. ) When I logged into my account online, I noticed that in addition to my existing account, that the two additional accounts appeared. 

I contacted TD. They connected me to their fraud department, who indicated that someone had stolen my identity. They directed me to contact a credit bureau as well as the FTC to report stolen identity. TD has since removed the two fraudulent accounts from their web portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11 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: TX

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX  opened an account on my credit report of {$250.00} for XXXX XXXX XXXX XXXX XXXX. All invoices are paid with XXXX XXXX XXXX XXXX and I have not rented a vehicle from them after XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act, 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 an 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 2022-06-11 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act Bankruptcy Account # XXXX, Bankruptcy Account # 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 2022-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
In XX/XX/XXXX I noticed a Balance Transfer on HSBC Credit card that I had not authorized. The Balance Transfer was {$5000.00} plus a fee of {$200.00} to XXXX XXXX XXXX in XXXX. Since XX/XX/XXXX I have contacted or attempted contact with HSBC multiple times per month. I have explained to them the Balance Transfer is a Fraudulent transaction. I did not authorize it. I did not notice the transaction initially because I was making monthly payments and paid off the original amount. 

I not only contacted HSBC, I have also contact the XXXX in XXXX XXXX, New York. The XXXX is keeping the complaint open even though they have contacted HSBC and were unable to resolve the issue. 

XXXX, XXXX, and XX/XX/XXXX, I have tried to contact HSBC via telephone and email. My telephone calls are automated answered, once the calls are transferred, my calls are consistently disconnected. Attempting contact online is no better. I enter my Credit Card number and am immediately kicked off the website. 

XX/XX/XXXX I did receive an email from HSBC XXXX. This was after they had been contacted by XXXX. The email stated " I appreciate your patience while I continue to investigate your concern. I'm sorry that this has taken longer than expected and am working to resolve this matter as soon as possible. '' Signed XXXX XXXX, Manager Customer Relations. 

There has been no additional contact due to telephone calls and online attempts being disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act Bankruptcy Account # XXXX, Bankruptcy Account # 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 response to consumer: Closed with explanation