vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-08 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: OH

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

AXXXX XXXX XXXX XXXX XXXX XXXX, 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 XXXX 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 XXXXXXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX XXXX is claiming that I owe {$710.00} in debt " via XXXX '' but will not resolve the problem without a police report, who have told me a report likely wouldn't accomplish anything. 

The debt is the result of my identity being compromised in XXXX 2020 where several fraudulent transactions occurred through my USAA banking accounts and I lost my phone number on XXXX, stolen by the same perpetrator.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: TX

Complaint narrative:
Unreconized credit inquires i did not allow are the following XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: TX

Complaint narrative:
Unreconized credit inquires i did not allow are the following XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XXXX 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 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have called multiple times disputing these items that are unauthorized accounts and inquiries that I demand deleted. I believe the 3 main credit reporting agencies XXXX, TransUnion, and XXXX this a deliberate act of discrimination, I am displeased that you included the following information in my consumer report and that you have failed to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. this grave error has damaged my confidence in your companys procedures, and because of this I will no longer be extending credit, and I will not be extending my consumer credit if this information is not removed

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 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have called multiple times disputing these items that are unauthorized accounts and inquiries that I demand deleted. I believe the 3 main credit reporting agencies XXXX, XXXX, and Equifax this a deliberate act of discrimination, I am displeased that you included the following information in my consumer report and that you have failed to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. this grave error has damaged my confidence in your companys procedures, and because of this I will no longer be extending credit, and I will not be extending my consumer credit if this information is not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I received a credit alert on Sat XXXX that an account application was submitted with my information with Navy FCU. 
I did not submit that application. I called them that day and was told the application was flagged and stopped. 
A month later on Mon XXXX I received an account statement saying that a checking and a savings account were opened in my name at a minimum. 
I called Navy FCU a XXXX time and was only told they were investigating. But accounts are still open in my name and they will not close them.

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 2022-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: VA

Complaint narrative:
I have contacted Collection Bureau of America via certified mail requesting validation of a claim that I owe them, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list ), showing that I have ( or ever had ) some contractual obligation to pay them I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from XXXX for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Therefore if Collection Bureau of America can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract, this must be removed and cease contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was charged an extra fee by a hotel that I didn't consent to, that is, XXXX XXXX in Nevada. I paid the full amount of my bill online through my XXXX card, and provided the receipt. Citibank denied my dispute, saying that I had to provide a credit card statement showing payment. However, there was nowhere to upload my card statement.

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 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Reference CFPB Complaint # XXXX. 

I have received credit reporting history from Equifax via US Postal Mail. Equifax maintains that XXXX  reports " THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *MONTHS REVIEWED. If you have additional questions about this item please contact XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX Phone ( XXXX ) XXXX '' Equifax is XXXX informed that XXXX has not told you the truth. A payment to XXXX in the amount of {$650.00} for the month of XXXXXXXX XXXX XXXX was paid on XX/XX/2022. Per the documentation I have received, it is shown that the month of XXXX was " reviewed '', but the date of last payment was XX/XX/2022. I have multiple pieces of evidence that proves this to be completely inaccurate and I can provide copies of my ledger history and screenshots of the online XXXX account. According to what I see, XXXX maintains that the account is currently past due by XXXX days. This is NOT CORRECT. If Equifax can not hold finance companies accountable, then I will have no other choice but to escalate the matter. 

Please diligently investigate claims instead of lazily sending what finance companies " claim '' without getting to the bottom of the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was XXXX for a few days due to a XXXX When this happened my property was left on the scene due to the police not grabbing it, which resulted in someone getting my property. While I was XXXX someone withdrew and charged over {$9000.00} and on XX/XX/XXXX I called and reported this to Wells Fargo fraud support. They called me a few days later to ask questions which I answered with no issues. On XX/XX/XXXX I was found to be responsible for the charges and basically lost the money. I've been a customer of Wells Fargo for a few years now, and I've saved up my money to the best of my ability and to have my bank not help me better is very disappointing. I want to appeal their decision but to my knowledge there is no way to do so. Please help. I work hard for my money and this happening is making life a lot harder especially with the inflation going on in the economy.

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 2022-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: UT

Complaint narrative:
CCS has sent a recent notice by mail which I am certifying I have no knowledge of an alleged debt by XXXX nor XXXX XXXX, please send back to the original creditor.

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 2022-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
I've had an XXXX XXXX credit card with USAA for more than five years. A couple months ago, I received an email notification alerting me that the account would be closed for inactivity if I did not make a purchase on the account. I ordered a new physical card, that was delivered, and on XXXX XX/XX/2022 made a purchase. On the statement due date, XXXX XX/XX/2022, I paid the statement balance of {$26.00}. 

On XXXX XX/XX/2022, I received an email from USAA notifying me that the credit card had been closed dude to inactivity for the last three years. Online, the available credit was reduced to XXXX. I attempted to call, and there was no ability to speak to anyone in the credit card department regarding this error in their system. I could only be routed to their checking department, as that was the only remaining account that I had open with them. 

This action taken by USAA will detrimentally impact my credit score, as it will reduce my available credit. This adverse action was taken despite my acknowledgement of their notice, and having taken affirmative action to prevent this outcome.

When I called USAA to rectify the problem, I spent almost 40 minutes on hold. When I called back, I attempted to completely end my business relationship with the company. I asked to not only close any open accounts, but to sever all ties with the company completely due to their inability to provide anything approaching competent banking or customer service. I was advised by the representative with whom I spoke that the best she could do is close my account and add a note to my membership. 

This is unacceptable. Obviously the best course of action would be for them to reinstate the credit line that was closed due to their administrative error. If this is not feasible, I wish to have every relationship with the company terminated. Their inability to provide a path to either resolution I would consider satisfactory has caused me to open this 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 2022-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a transfer on XX/XX/2022 for {$560.00}. I found out it was a fraud attempt and immediately contacted Bank of America. I went through their process and they said I should contact the bank it was wired to and that they could not help me. They said it was XXXX XXXX XXXX XXXX which hasn't seemed to be in operation for years. 

My claim was : 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 2022-10-08 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: VA

Complaint narrative:
Good afternoon, I noticed there are multiple duplicate inquires on my credit report that is driving my credit score down. It says there are 44 inquires on my credit report and that should not be the case. Please remove the following inquires as they are duplicates that I did not authorize. Its against the Fair Credit Act for someone to pull your credit without authorization. 

XXXX XXXX is on my credit report over 10 times and they were only authorized to pull my credit report once, I did not authorize XXXX XXXX  to pull my credit report, XXXX is on my credit report twice and I only authorized them to pull it once, I did not authorize XXXX XXXX  to pull my credit report, XXXX XXXX  is on my credit report 3 times and I only authorized them to pull my credit report once, XXXX XXXX  is on my credit report 7 times and I only authorized them to pull the report once, XXXX XXXX is on my credit report 3 times and I only authorized them to pull my report once, I never authorized XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, or XXXX  to pull my credit. 

Anything marked with an asterisk *** should be removed. If someone can assist me in removing these unauthorized inquires and duplicates from my credit report I would greatly appreciate it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I truly believe Santander is trying to get over on me. im trying to fix my credit so I have pulled records to try to settle some debts and get things corrected so I may buy a home. Santander has sold my account to XXXX management but I have noticed some inconsistencies and inaccuracies on the information they have sent. Santander has sent me a " calculation of surplus or deficiency stating that my aggregate balance was {$20000.00} to my knowledge which I could be incorrect and aggregate balance means the amount in an account. Which that amount would have been what I owed which was {$18000.00}. The amount unpaid was {$9700.00} but they reported to the credit bureaus my account owed {$8000.00} after receiving the warranty refund. They sold the account to a debt buyer at XXXX as seen in their transaction history they provided to me. Reporting amount owe was XXXX XX/XX/XXXX the day the account was sold but sold it for XXXX. They need to explain why this is, where does this credit of XXXX comes from? Also in previous cfpb complaints santander stated that my account was charged off and car was sold on XX/XX/XXXX which is also untrue from the information they have sent me my car was sold XX/XX/XXXX and account closed and sold XX/XX/XXXX. I am so confused on which is the truth. I have spoken to XXXX XXXX at the company and she has given me no explanation on why any of this and she also confirmed the car was sold In XXXX contrary to the letters they sent to me.. I truly believe a mistake has been made that no one wants to own up to and that is fine but what is not fine is failing to correct your mistake and leaving this on my credit when the information you are sending is inconsistent and you sold my account with inaccurate information. I believe its extremely unfair and I am tired of going back and forth trying to explain or get an explanation with no results. but I will go to any lengths to get an explanation or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
This is an illegal attempt to collect on an alleged debt that is actually owed to me and I have filed a lawsuit against the original creditor ( s ) for Housing Discrimination, Breach of Contract, Fraud, and other causes of action. 

Please see attached Complaint Letter against Fair Collections & Outsourcing, a debt collection agency, and the corroborating Exhibits, who is illegally attempting to collect on a debt that is actually owed to me by Original Creditor.

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 2022-10-08 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: OH

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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