vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have been a member with USAA for XXXX  years never to have an accident or file auto claims as I did in XX/XX/2022. After trying to get insurance again after my car is finally complete I was told to call XXXX XXXX because underwriting can not approve a policy for me. 
My issues started when I was coming home and the gate bar fell on top of my car. I called to make a claim for the damages. When the assigned claims adjuster called me we talked about other minor damages to my vehicle. Besides the roof damage, I had dents from a gas station pole when I opened my door, I had damages on the door when I was locked out my car and damages on bumper when i backed into a cement pole at a store. She informed me that USAA can fix all of those and to submit the claim. I did just that on the app in one claim. Once reviewed by the adjuster, she called and suggested to make 4 separate claims since I had no deductible. Since I didn't know the exact dates she chose the dates and recently informed me that she added dates unknown in her notes. The dates being XXXX XXXX, and XXXXXXXX XXXX 
Now I have been calling and getting different answers from different agents from policy services and claims, even one that read the note that underwriting stated not to transfer my call to them but their supervisor wouldn't return my calls so another agent suggested I speak with the director and submitted a request. He returned my call and told me his adjuster did the right thing with the claims and would not have known it would affect my consumer report like it has or cause USAA underwriting to not approve me since she is not knowledgeable in that area. I would like this investigated and resolved because these claims have ruined my reputation as a driver and consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX Has Not Been Reporting On My Account Since XXXX. I Have Been Making Payments And My Balance At This Time Is Only {$1900.00}. I submitted a dispute with Experian and Experians results came back stating that XXXX XXXX reported the balance as correct that is clearly incorrect.They have been reporting I owe {$4600.00}

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 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
During the past two years corporations that I've been employed with XXXX XXXX and XXXX XXXX have been victim 's to cyber-attacks. As a result, I have identified unauthorized fraud inquiries on my credit that should be all removed. These inquiries appear on Equifax ( XXXX unauthorized inquiries ), XXXX ( XXXX unauthorized inquiries ), and XXXX XXXX ( XXXX unauthorized inquiries ). I would like to request these inquiries be deleted off the above credit reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
there's unauthorized and fraudulent charges on my credit report, these charges are Capital One card account number XXXX amount {$720.00}, date open XXXX is a charge off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I purchased a Vanilla Gift Card yesterday ( XXXX ) for {$70.00} ( +the activation fee ) from XXXX ( XXXX # XXXX XXXX. I opened the card to use for payment and I noticed that some numbers were missing. The XXXX code is also missing. I thought I might just use it in store and swipe it, but the magnetic stripe is damaged with glue or some other substance. 

I have called the numbers on the card several times and could not get a human and the electronic options ask for card number- which I can not provide. 

I was in a hurry ( went to a different XXXXXXXX XXXX ) purchased another Gift card, that does have the numbers, but each time I try to use it I get a XXXX error code and they will not accept it. 

I would have welcomed the opportunity to resolve this with Vanilla directly, but did not hear a damaged card option to select on the phone nor see a damaged card option on their website ( where you check balances ) to select to upload the pics of the damaged card and receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my credit report and : - I have a XXXXXXXX XXXX account on my credit report ( XXXX ) that I paid off that is showing with a late payment and I HAVE NEVER BEEN LATE. I reviewed my credit reports and there is another XXXX XXXX Acct with the same credit limit, same dates opened, and same account info that shows NO late payment. I paid that account off and I paid it on time EVERY TIME. I have attached the screenshots that show you the XXXX XXXX accounts that are the same and XXXX showing no late payments, WHICH IS CORRECT. 

- I have an account on my credit from XXXXXXXX XXXX XXXX, which is a collection agency from XXXX at XXXX XXXX. XXXX at XXXX XXXX agreed to have the account removed from my credit report if I pay the balance. I PAID THE BALANCE yet it is still there. I sent them a letter in regards to the matter ( which I attached ) and they responded that they sent a request to the credit bureaus to get the account removed yet it is still there. After speaking to an employee they advised for me to contact the bureaus. I have sent out many letters and the account is still there. 

- I have an account from XXXX XXXX, which is a collection agency from XXXX XXXX. Same as the issue above. An agreement was made! There is no reason that these items are still on my credit.

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 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I filed a FTC report and police report in accordance with the FCRA and submitted disputes. The paperwork was not filed correctly and the disputes were not submitted correctly. And I have not gotten copies of the verification process

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 2023-10-07 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
State: GA

Complaint narrative:
my account has been working perfect without any issues. 
I never been associate with any fraudulent activity. 
i never been associate with any chargeback. 

Now i received the notification that my account has been permanently suspended. 
XXXX XXXX XXXX : XXXX I would like to PayPal review my account there is not issue with my account, and i don't think it should have this decision without any explanation. 

i hope please get help about this issue to be resolved or if PayPal needs more information about my account, please try to ask me and i will be able to clarify any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I filed a FTC report and police report in accordance with the FCRA and submitted disputes. The paperwork was not filed correctly and the disputes were not submitted correctly. And I have not gotten copies of the verification process

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. I filed a FTC report and police report in accordance with the FCRA and submitted disputes. The paperwork was not filed correctly and the disputes were not submitted correctly. And I have not gotten copies of the verification process

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 2023-10-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Last year I tried to open a business account. I went to the branch to ask what type of information would they need to start the process. The young lady that initially help was acting very strange. Without giving me anything or any information. I was being forced out of the location with threats of calling the police. As I walked towards the exit the manager pulls out his phone an called 911. Before traveling less then a block police sirens where wisking throughout the area... .I will try to retrieve the information that may have been emailed about the dispute. Also in XX/XX/2023 tried to cash a check totally denied an could not ask questions because of past experience. All help is appreciated I am a XXXX XXXX  XXXX  XXXX  all support welcomed..

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 2023-10-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account XXXX XXXX All accounts from these companies Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my consent.

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. 

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship.

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 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
During the past two years corporations that I've been employed with XXXX XXXX and XXXX XXXX have been victim 's to cyber-attacks. As a result, I have identified unauthorized fraud inquiries on my credit that should be all removed. These inquiries appear on XXXX ( XXXX unauthorized inquiries ), XXXX ( XXXX unauthorized inquiries ), and Trans Union ( XXXX unauthorized inquiries ). I would like to request these inquiries be deleted off the above credit reports ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
During the past two years corporations that I've been employed with XXXX XXXX and XXXX XXXX have been victim 's to cyber-attacks. As a result, I have identified unauthorized fraud inquiries on my credit that should be all removed. These inquiries appear on XXXX ( XXXX unauthorized inquiries ), Experian ( XXXX unauthorized inquiries ), and XXXX XXXX ( XXXX unauthorized inquiries ). I would like to request these inquiries be deleted off the above credit reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX, our bank charged me a {$37.00} overdraft fee for a XXXX XXXX XXXX XXXX purchase that they said put my account in the negative. I tried to place that order twice the first time I placed that order it was declined because I didnt have enough funds and XXXX XXXX XXXX XXXX sent me an email saying that the order was not going through the second time I placed the order I did have the funds in the account so Im trying to understand why Im being charged a {$37.00} overdraft fee for funds I clearly had in my account because I had to have the funds in the account before they can even place the order for XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

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 non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 2023-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
I received statements from Mohela outlining the number of oayments I have made and the number I have left for PSLF. It showed I have made upwards of XXXX payments on all my loans, and I only need XXXX to qualify for PSLF forgiveness. However, the statements said I do not qualify. This seems like a major error. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit 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: WA

Complaint narrative:
I paid for a hotel reservation on XX/XX/XXXX through the XXXX XXXXXXXX XXXX website ( {$150000.00} ). I used my Citi card. The reservation was for XXXX. I was charged again for the room by the XXXX ; they ran my card when I checked in and told me it was for a security deposit and it was just a hold, but the full charge went through on XX/XX/XXXX ( {$1400.00} ). XXXX refused to take action. I initiated a dispute with Citi and they resolved it in favor of XXXX ( around XX/XX/XXXX ) because they said I hadn't submitted the original charge in my complaint ( even though both charges were on the same card ). I called back and the agent said the investigation would be reopened and I would receive more information within a week. I was told that the dispute resolution team should have sent me an email ; they hadn't and I've never received any confirmation about my case. I didn't hear back and called back and did not receive any additional information other than that the investigation was still ongoing. The agent refused to give me any other information including whether or not there was a way I could submit additional documentation. She also seemed confused on whether or not the provisional credit had been reversed ( it was and the charge/balance remains on my 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 monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion and XXXX are not showing that my student loan balance is XXXX. When reaching out to both credit reporting agencies, I was informed that XXXX is not responding to either credit reporting agency.

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 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX and Experian are not showing that my student loan balance is XXXX. When reaching out to both credit reporting agencies, I was informed that XXXX is not responding to either credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
Disputed through all three credit bureaus several times with no response from CKS Prime.

CKSPRIMEIN Collection with account # XXXX opened on XX/XX/2021 and a balance of {$610.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Under 15 US Code 1681s-2 ( f ) ( II ) Reporting information during Covid 19 pandemic

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 2023-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
They said it is a judgement with a XXXX file number I went to look and there is no XXXX file on the court. This judgment its been withdraw and original company file without letting me. know. 
XXXX XXXX had found violations of the Fair credit practices. This company is trying to collect on their behalf. Fein Such Sheppard, LLC

Company response to consumer: Closed with explanation