vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There still remains a collection account and fraudulent inquiries on my credit report. Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies are required to furnish a written notification to a consumer ( in this case, myself ) upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report. 
Collection Account : XXXX XXXX XXXX XXXX The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine the responsible parties in these unauthorized credit inquiries. Inquiries : If you find that I was not the one who authorized these Inquiries. I ask that it be removed immediately from my credit file. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
19 unauthorized charges in XXXX, Tx and XXXX, Tx were posted to my account on XXXX XX/XX/XXXX. I filed a complaint with USAA while those charges were still pending. USAA made an initial refund of the fraudulent charges while they investigated. A few days later XXXX of the initial refunds were rescinded by USAA claiming the charges were authorized. An example is a place called XXXX XXXX XXXX. Two charges of {$5.00} and {$97.00} were made. USAA says the {$5.00} was fraudulent while the {$97.00} was authorized. Makes no sense. Time stamps on my account prove I was in XXXX, tx, XXXX Tx and the surrounding area and could not have made those purchases.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: MI

Complaint narrative:
Credit Karma has a selection of credit cards that they guarantee you can be approved for. I signed up for the card that stated I wouldn't be turned down and once I applied, I was turned down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Respectfully, I reviewed your response to my initial complaint. Your response is incomplete. I contacted AMEX inXX/XX/XXXX and requested the balance on the account and simultaneously closed the account. The agent at that time gave me the balance minus the late and interest fees because my initial payment was returned because the mailing address for the payment was returned because AMEX changed the mailing address without my knowledge. In XX/XX/ I called again to confirm my account was closed and the balance XXXX. I was told the account was closed but a balance of {$0.00} remained which I again paid. Despite being told the balance and paying the balance AMEX kept adding a balance fraudulently. Additionally, even though I closed the account in XX/XX/ which AMEX acknowledged on several phone calls, somehow they came up with an erroneous close date ofXX/XX/XXXX only after I filed several complaints. Amex has been fraudulently charging me late fees and interest on a closed account which I attempted to pay off the balance on two separate occasions after speaking with reps. I contend AMEX has been fraudulently continuing a balance on the account and charging late fees and interest fees and erroneously changed the closed date account only after I filed several complaints. I request for the phone calls be reviewed where I actively tried to get the balance to XXXX the account and suspiciously a balance kept appearing. I request that you remove whatever balance is on the account and to report my account to the reporting agencies as in good standing considering I have spoken with AMEX agents on more than one occasion trying to pay off the balance in full. I should not be charged late and interest fees on an account I attempted to pay off on more than one occasion and after I closed the account in XX/XX/. The agent said they would credit the account the late and interest fees in XX/XX/ when I paid off the balance and closed the account. All other late and interest fees after XXXX are fraudulent as the balance should have been XXXX. My account was in great standing for years, it has only been since I have tried to pay off the balance and close the account that AMEX has been fraudulently overcharging me on late and interest fees and perhaps intentionally giving me incorrect payoff amounts so a balance would remain. Something shady is going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One put late payments into my credit report and refused to remove it even after payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Contacted TD Card Services customer support at XXXX on Monday XX/XX/2024. Explained to representative that I had received a letter explaining that if I could not make a payment, I could speak with a representative to discuss payment options. I was transferred to collections XXXX. I spoke with a representative who said they would call back to discuss options. A call was received at XXXX. No message was left from the representative. Tuesday, XXXX XXXX. I contacted TD Bank, explaining my situation and wanted to follow up since I did receive a callback without a message. I was transferred more than 4 times and placed on hold. The hold was over 15 minutes. When I did get through to a representative, the line went blank and the call was dropped. The call was timed at 24 minutes. To be dropped was just inconsiderate and cruel. I want to modify my payment agreement and pay this balance off. Any assistance would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear CFPB, I hope this message finds you well. I am writing to seek your assistance regarding a troubling issue with my credit report. 

Recently, I discovered that an account from XXXX XXXX XXXX  which I had previously disputed as fraudulent, has been reinserted into my credit report by Experian, XXXX, and XXXX. This is despite the fact that I had provided evidence of the fraudulent nature of the account, including a police report and a report filed with the Federal Trade Commission ( FTC ), leading to its initial removal. 
I am deeply concerned about the implications of this reinsertion on my creditworthiness and financial well-being. It is distressing to see this fraudulent account resurface without any notification or explanation, especially after I had diligently followed the proper procedures to dispute and remove it.

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 2024-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: DISCOVER BANK
State: DC

Complaint narrative:
I HAD AN SECURED CREDIT CARD WITH DISCOVERY BANK. THEY CLOSED MY ACCOUNT WITHOUT ANY NOTICE DURING THE COVID-19 ERA. I JUST SENT DISCOVERY BANK A {$500.00} DOLLAR MONEY ORDER REQUESTING TO REOPEN MY ACCOUNT AND WAS TOLD THAT I HAD INCURRED A LOT OF LATE FEES AND THEREFORE THEY WOULD NOT RETURN MY {$500.00} DOLLARS. I WAS NEVER GIVE ANY NOTICE OF LATE FEES AND PURSUANT TO THE CARESS ACT, THEY WAS NOT ALLOWED TO CHARGE ME ANY LATE FEES. THIS IS THE FIRST TIME THAT I WAS TOLD THAY I OWE LATE FEES!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ava Finance, Inc
State: NY

Complaint narrative:
Ava took money out of my bank account for there fees and subscription, however, despite them taking payments they reported my account as late on XXXX XXXX i have tried to speak with reps repeatedly but was only able to talk through email with no resolution. Ava has falsely reported a late payment on my credit report and they should be held accountable. This is the worst company ever. I have closed my account with them, however, late payment is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-04 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: CT

Complaint narrative:
I am writing to dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or authorize

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to express my frustration with Experian regarding my credit report. In XXXX of last year, I requested a security freeze and a fraud alert. However, I now realize that this was not the best course of action, as it has led to constant denials of credit. I am currently in the process of repairing my credit due to fraud, and these measures are hindering rather than helping. 

I have been trying to contact Experian for three months now to request the removal of the security freeze and fraud alert from my account. Despite multiple attempts, I have been unable to speak with a live person. I have been directed to a website ( experian.com/fraud ) that supposedly allows for the removal online, but all it provides is a document to print and mail, which I have done with no results. 

I am extremely frustrated with the lack of response and action from Experian. This situation has caused me significant inconvenience and financial harm. I urge the CFPB to intervene and help resolve this matter promptly.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
they are charging me for something that does not belong to me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
This is the 2nd complaint I have files against the CBE Group! I have never had a XXXX Account at the address they are showing. I have asked for documents showing where I approved for an account to be in my name and they can not provide. I have NEVER AUTHORIZED ANY XXXX  ACCOUNT TO BE PLACED INTO MY NAME!!! They agreed last time I filed a complaint and here we are again Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XXXX  XXXX of this year, I tried to pay someone on Venmo and they gave me the wrong user name. Venmo apparently can't help me and the person i sent the money to wont give it back. The user name the gave me was " XXXX '', but apparently the correct user name was " XXXX ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these account. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account :

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data

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 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a secure car with U.S. Bank. I had one, and when it was closed, they apply the secure amount immediately to the balance, and send me the rest, even though somebody stole my money, and they never gave me credit for it. 
No, I had the same thing they close my account three months ago without letting me know XXXX was the one that let me know. I made a claim because I had unauthorized charges. I called them three times they ignore me. Finally they made a claim and added charges that I told them from the first time, and all the time they were recurring, and those were mine, they reverse the claim before they put in the claim now after 50 times of sending letters and calling them being on the phone for two hours. They will not apply the secure amount to the credit card and send me the rest. Instead they keep adding financial charges late charges they wont apply it they never, the unauthorized charges as it says on Visa law I am not responsible for unauthorized charges. It is them that they put in the claim wrong three times recurring charges and they keep adding charges ignoring me and even though they have the money sitting there, they will not want to apply, why they dont apply it they did the first time on the other credit card this time it is small credit card and they just keep adding charges to authorize charges. I want my money back and clear my credit report of lies.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person.

Company response to consumer: Closed with explanation