vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; Inquiries : XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date 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 2023-05-03 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; Inquiries : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I maintained two credit cards with USAA for many years. I had an XXXX XXXX XXXX. I received an XXXX alert that my XXXX XXXX dropped 110 points and found that USAA had reported me for delinquent payments. I never charged anything to the card or authorized charges, and they were fraudulent. I was also never signed up for electronic billing, and only signed up for paper bills. I found that USAA sent emails only to an out of date email address. I had previously updated my email address with USAA and received emails at my new address. 

I paid the bill in full and spoke with USAA customer service who told me they could not retract the credit reporting despite admitting that they used a wrong email, admitting that they incorrectly only sent emails as notifications, and did not call or notify me in writing. I was then told to dispute with the credit company, and that USAA would confirm the incorrect report. 

I then disputed the incorrect credit report to XXXX. XXXX then notified me that USAA had again incorrectly confirmed the " late payment. '' I contacted USAA again and they indicated there was nothing which could be done. I spoke with the highest manager possible, who refused to help. I then closed both credit cards, since USAA had fraudulently and incorrectly reported my account as late. 

I am an attorney, and informed them I would be making a CFPB report, and then bring a civil action for violations of the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 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: VA

Complaint narrative:
I have satisfied the account with the following company for the Account Number # XXXX and as a result I was notified that once I paid this account off in its entirety that this account would be removed from my credit file as it is preventing me from being able to gain credit at 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 2023-05-03 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: DISCOVER BANK
State: TN

Complaint narrative:
Discover reported a high balance of {$5200.00} on my credit report that is incorrect. My credit limit of {$4500.00}, I never authorized {$5200.00}. They claim that they increased my credit limit to {$5200.00} but I never authorized nor requested such a change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 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: DISCOVER BANK
State: CA

Complaint narrative:
I am the victim of very obvious, and equally clearly reprehensible and corrupt, flagrant consumer fraud perpetrated by Discover Card ( Discover ). Basically, Discover has condoned and enabled blatant web based fraudsters to significantly overbill me for a XXXX, XXXX XXXX XXXX, NV hotel stay ( dishonestly billed at {$72.00} above the actual hotel charges and fees totaling {$220.00} ). 

Much more egregiously, the XXXX XXXX XXXX XXXXXXXX  in Discovers so-called Billing Disputes or Claims and/or Resolutions Department ( depending on what different Discover customer service agents called it ) pretended to investigate this matter. Then, after I provided Discover with very clear and indisputable evidence that the Internet scammers ( who also go by differing names, including XXXX and XXXX  before morphing into XXXX perhaps to facilitate their various Internet scams ) did not pay one dime to my hotel, the XXXX XXXX  there still want me to pay this entirely bogus charge. 

It is quite possible that the web con artists bribed someone at Discover to receive such a wildly unconscionable result out of those underhanded phonies. Otherwise, the vile Discover XXXX  believe it is far easier for them to cheat an honest customer on a one-time fraudulent charge, and placate the obvious web scammers, with whom Discover will no doubt be doing plenty of further business in the future ( legitimately or not ). Those two alternatives ( which are not at all mutually exclusive ) are the only ones that make a bit of sense to any sane, rational and fair individuals.

I figure your offices handle such matters, but am not entirely certain. I am very eager to pursue any and all applicable criminal charges for this indubitably illicit activity, including collecting any penalty or other fee levied on such incredibly crooked operators. I would not know if the sum involved here ( {$290.00} ) qualifies for felony grand theft or is deemed to be a misdemeanor level amount. 

I will reiterate that I shall gladly forward to you ( or any other relevant offices ) my easily grasped and unquestionable evidence ( for anyone who is not a XXXX XXXX ) proving beyond any possibly conceivable doubt I am entirely correct in this matter. That proof includes two very detailed and unambiguous letters sent to Discover ( last XXXX and last month ), along with a copy of my XXXX XXXX billing statement from my stay there last XXXX. 

That latter document expressly shows I had to pay my entire {$220.00} hotel bill when I checked in there on XX/XX/2022 ( which was done entirely in cash, as also clearly noted here ), because the web frauds never forwarded a cent to that establishment. I am not attaching these documents now because I am not sure if they need to be submitted to your offices or elsewhere specifically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
I've submitted my XXXX application to Mohela by faxing it to XXXX several times starting XX/XX/XXXX and most recently XX/XX/XXXX. I have my confirmation sheets. Everytime that I call Mohela, they say that they do not have my fax and that I should re-send it. Also that they can not look my information up to see what is happening because my loans are not with them. They tell me to call my XXXX XXXX, but my loan servicer sends me back to them because they say that they are not facilitating the XXXX program. I am getting the run around both ways.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group called on XX/XX/XXXX XX/XX/XXXX to one of our cell numbers looking for a relative this not her number and never has been. They claimed this number was listed as her contact number. They called our other cell number the previous week claiming the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX 15U.S Code-1681 Section 602 States : I have the right to privacy 15U.S Code- 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S Code- 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: ProCollect, Inc.
State: TX

Complaint narrative:
I tried calling Pro Collect serval times, and I was put on hold each time then the line would hang up every time. I would like to delete the account and get documentation that the account has been deleted. We were under the assumption that the account would be deleted after the amount was paid. We have a receipt from XX/XX/XXXX of 2022 showing the account has been paid off. The account has my name on there and my fiance 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
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Williams & Fudge, Inc
State: ME

Complaint narrative:
Today, XX/XX/XXXX, I was contacted by a XXXX XXXX at what I eventually figured out ( after some research ) to be Williams and Fudge Inc. Since I didn't answer the phone, he left a message. He did not identify himself as a bill collector and mentioned absolutely nothing about attempting to collect a debt. So, I looked up the company, but couldn't figure out why they would be calling me. I called them back and spoke to another gentleman who's name I don't remember. He also did not identify himself as a bill collector until he got some personal information from me. Then, after about ten minutes of talking with him, he told me why XXXX had called, and it was to collect money for the XXXX XXXX XXXX which I haven't been affiliated with for more than a year. According to Williams and Fudge Inc., I owe more than {$800.00}. They claim that the money I owe is from financial aid the federal government forced the XXXX XXXX XXXX to return because I had dropped out early in XXXX. I explained that I did drop out, but I reached out to the school multiple times within my first week of the semester in question and no one would answer my calls or emails so that I could fill out the paperwork necessary to drop out, nor would anyone call me back. I knew I had a limited amount of time to drop out or I would end up owing them money, but my communications were well within that time. When I tried to explain more, the man I was on the phone with talked over me and talked so much and so fast that I couldn't get a word in. He accused me of not following the school 's handbook when dropping out of classes, when in actuality I did follow the handbook and shouldn't owe any money. It was the school that refused to talk to me. I did my part to avoid this debt accruing, but the school did not do their part. Eventually, the gentleman asked if I'd like to pay it, I told him no. I don't have the money to pay it and I don't believe the debt is my responsibility. He accused me again of not following the school 's guidelines for dropping out, when in fact I did. I tried again to explain that I followed the guidelines, but he kept talking over me and talking faster so I couldn't speak. I suppose I should have hung up at that point. Eventually, he asked if I'd like to file a dispute, and I said yes. Supposedly this dispute has been filed, but I don't trust this bill collector. They didn't even identify themselves in their first contact with me, and even when I called back, they didn't tell me who they were until after they asked me for personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.

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 2023-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
I spoke with a Mohela customer representative in XX/XX/2023 to inquire about why twelve payments were ineligible towards PSLF. He told me he can't do anything about it because they were identified as being in forbearance from the previous servicer. The Mohela representative said " it doesn't matter anyway '' and " to wait and see what happens this summer. '' He refused to address my questions or concerns about 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 2023-05-03 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: Westlake Services, LLC
State: FL

Complaint narrative:
I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt 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 2023-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BC SERVICES, INC.
State: CA

Complaint narrative:
XXXX XXXX billed me for services rendered to my wife. I asked them to instead bill her ( I did not want medical conditions and treatments rendered to her on my medical record ). Instead, they referred the bill to BC Services who is attempting collection from me. Note, in this process my wife 's private health information was revealed to both me and BC services, clear HIPAA violations. 
I wrote to BC services pointing out that the debt was not mine and asked for clarification as to why I was being charged, or to dismiss the proceedings. Instead they sent more evidence that the debt was not mine, but did not dismiss the debt.

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 2023-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I created a USAA profile to see if I could qualify for their serivices. I didn't nor did i open any type of account with them. Just a profile, however they need me to give them my name, DOB, SSN, addresses in order to create a profile. Since i didn't qualify for their services i asked a chat agent to delete my profile. However they told me they can not. Now i would understand if i actually had a checking, saving, car insurance, etc but i don't nor did try opening any. So now they are holding my personal information XXXX. I should be allowed to delete my profile if i didn't open any accounts with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX repoted that I replied for credit in which I never heard of this company when I reached out to them they didnt have my SS # or my birth date the date they are reporting this on XX/XX/XXXXXXXX XXXX XXXX is reporting that I applied for credit I. Which I never finished the application they started reporting on 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 explanation
Consumer complaint received 2023-05-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Delete and remove off my credit 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 2023-05-03 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: TN

Complaint narrative:
XXXX reported a high balance of {$5200.00} on my credit report that is incorrect. My credit limit of {$4500.00}, I never authorized {$5200.00}. They claim that they increased my credit limit to {$5200.00} but I never authorized nor requested such a change.

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 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/2023 I transfer {$300.00} from XXXX to cash app at XXXX. At XXXX Cash App did 4 different transactions of {$65.00} was the first one and {$210.00} was the second, {$8.00} was transaction # 3 and {$7.00}. All these transaction where completed and processed on earlier dates in which i do have proof. I contact Cash App and ask why did they take my money they said there was a system error. I then ask how come i was never notified, that's when today they sent me a notifications. My card was lock when the company Cash App took my money, they left me with {$20.00} on my card. I had been on the phone from the moment i happen XXXX to XXXX and they refuse to give me my money back.

Company response to consumer: Closed with explanation