vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
XXXX XXXX has and still has a system breakdown where myself and hundreds if not thousands of consumers can not access their accounts to pay or use their credit cards. 
XXXXXXXX XXXX will not take responsibility for this and now has passed off to collection agency after ruining my credit. I am part of a class action law suit and am waiting for settlement as per my lawyer. I, along with hundreds if not thousands are suing XXXX XXXX  for ruining our credit. XXXX XXXX XXXX irresponsible actions have caused me to lose the ability to lease space to teach my classes and have impacted my ability to earn income as well as renting and purchasing a home by decreasing my credit score from good to fair to poor all their fault. I will counter sue XXXX and credit collection for this. I have months of proof with broken links sent by XXXXXXXX XXXX  and proof that I could not access my account and associates who could not access or find my account. I have a stellar payment history with all my credit and XXXX up until XXXX when their system was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: GA

Complaint narrative:
I currently disputed a XXXX XXXX XXXX docket # XXXX with all credit bureaus and they stated that the court provided them with inaccurate information see attached file

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 2022-11-04 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: GA

Complaint narrative:
I currently disputed a XXXX XXXX XXXX docket # XXXX with all credit bureaus and they stated that the court provided them with inaccurate information see attached file

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 2022-11-04 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: CA

Complaint narrative:
Made a request to have late payment incorrectly posted by XXXX XXXX XXXX XX/XX/2018 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 2022-11-04 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: CA

Complaint narrative:
Once again I'm filing a compliant into this issue with Equifax. I explain0ed to Equifax. on XX/XX/2022. I notice several incorrect issues with the report that was sent to me dated on XX/XX/2022. It shows that on XX/XX/2022 a payment was made and that is false. I tried to explain to Equidax that this account was dealt with errors because the vehicle was recalled. I gave thew notice to Equifax and othwer agancies but no one is doing anything about this issue. I will contiune to fight for whats right under the law of the government. Once again, I will send a letter emplianing the erors and isssues on this particulat account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: GA

Complaint narrative:
These hard inquiries are not me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Starting XXXX I tried to request copies of Wells Fargo payment from XX/XX/2022 to XXXX XXXX XXXXXXXX XXXX ending XXXX, for {$350.00}. Well Fargo website couldnt help me so went into Wells Fargo branch on XXXX XXXX XXXX After spending over an hour & the banker working with a rep. who was working at the phone number given to us to get copies. Banker was told it was faxed over to her branch 3 different times! No copies receive. Banker requested copies of front & back of payment be sent to my home address, I never received either. Banker put in claim to resolve the problems that we both had. Claim number XXXX XXXX to XXXX I called claim department told them nothing is being received, 5 requests for mail of copies, 3 requests for fax, 1 request to email payee the copies. Help!!! Thank you

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 2022-11-04 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: GA

Complaint narrative:
These hard inquiries are not me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Amsher is currently reporting to all three bureaus about an account that I supposedly have with XXXX XXXX. I have sent multiple letters and contacted Amsher via phone and by email with XXXX XXXX XXXX and have been ignored by mail and told via email and phone ( as recent as of a hour ago ) that they do not have an account in their system under my name, social or DOB. I then asked, relieved to finally receive someone on the phone, who should I talk to because they are reporting that they do have the account to the bureaus. I was rudely told, we will do it eventually, have a great day and then hung up on. I am not sure when " eventually '' will be as I have stated I have reached out multiple times since this account was first sent to Amsher. I received a letter initially about the account which is when the communication started. This was earlier this year. I was told it would take 30 days for it to be " handled '' after a hour phone call while the rep researched for the account. I have disputed with the bureaus who told me they reached out Amsher and have not received a response, I have disputed with Amsher myself and not received a response. I have the email ( which I will attach ) from XXXX XXXX who state he could not see the account ( this was back in XX/XX/2022 ) who stated he couldnt see an account under my information. I then sent another letter as I like to have a paper trail and didnt hear back. I called again tonight and was just told again that they do not have an account and thats when I was rudely told it would be handled eventually. If you dont have my account all I am asking is for this to be deleted from all three bureaus. This is false reporting and its causing a negative effect to my report and livelihood. I am being denied products and paying higher deposits on items due to this reporting falsely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I asked the credit bureaus to do an in depth investigation of my credit report. I never received a response for this request. I only received two letters from XXXX applauding me for taking charge of my credit. Ive attempted disputing formally and via electronically but my report did not change after each attempt. I was giving this option after representative from XXXX saw I was not getting anyway after several attempts. I still found several inaccuracies after each fail attempt. 

XXXX  : Account number : XXXX, you did not remove the past due from this account and therefore, it must be removed. 

XXXX XXXX Account number : XXXX, you did not remove the late payments XXXX  : Account number XXXX Last activity inaccurate XXXX XXXX XXXX  XX/XX/XXXX XXXX not reported XXXXXXXX XXXX  : Account number : XXXX, missing notice of dispute. Reporting after account was closed XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX delete due to inaccuracy XXXX XXXX  : Account number : XXXX, this account Last activity date XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX please delete due to inaccuracies. 

XXXX XXXX : Account number : XXXX, activity dates XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX : Account number : XXXX, last XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : Account number : XXXX, remove for inaccuracy - years of payment history reported after account was closed and the date of last activity changed without any activity occurring - XX/XX/XXXX on XXXX XXXXXX/XX/XXXX on XXXX XX/XX/XXXX. 

XXXX XXXX Account number : XXXX, remove for inaccuracy XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : Account number : XXXX, remove this for inaccuracy because the date of last payment is reported differently on all 3 bureaus : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

XXXX XXXX XXXXXXXX : Account number : XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX Account number XXXX Discrepancy an account status XXXX  status Open XXXX Closed last activity XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Not reported to all credit bureaus only XXXX In accordance with the Fair Credit Reporting act XXXX Acct # Chase XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX has violated my rights 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: IN

Complaint narrative:
I asked the credit bureaus to do an in depth investigation of my credit report. I never received a response for this request. I only received two letters from XXXX applauding me for taking charge of my credit. Ive attempted disputing formally and via electronically but my report did not change after each attempt. I was giving this option after representative from Experian saw I was not getting anyway after several attempts. I still found several inaccuracies after each fail attempt. 

XXXX XXXX Account number : XXXX, you did not remove the past due from this account and therefore, it must be removed. 

XXXX : Account number : XXXX, you did not remove the late payments XXXX : Account number XXXX Last activity inaccurate XXXX XXXX XXXX XX/XX/XXXX XXXX not reported XXXX XXXX XXXX Account number : XXXX, missing notice of dispute. Reporting after account was closed XXXX XXXX XXXX XXXX  XXXX XXXX delete due to inaccuracy XXXX XXXX : Account number : XXXX, this account Last activity date XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX please delete due to inaccuracies. 

XXXXXXXX XXXX : Account number : XXXX, activity dates XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX, last XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : Account number : XXXX, remove for inaccuracy - years of payment history reported after account was closed and the date of last activity changed without any activity occurring - XX/XX/XXXX on XXXX  XX/XX/XXXX on XXXX XX/XX/XXXX. 

XXXX : Account number : XXXX, remove for inaccuracy XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : Account number : XXXX, remove this for inaccuracy because the date of last payment is reported differently on all 3 bureaus : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX Account number XXXX Discrepancy an account status XXXX  status Open XXXX Closed last XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Not reported to all credit bureaus only XXXX In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX has violated my rights 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.

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 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
An XXXX XXXX XXXX credit card with a {$12000.00} limit was opened with Bank of America in my name. I received an email from Bank of America confirming the application had been approved and the card would be received within XXXX business days.

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 2022-11-04 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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: HI

Complaint narrative:
My Apple credit card with Goldman was charged for something I did not buy. There were two charges from the same company. XXXX for {$5.00} and another for {$67.00}. I contacted Apple Card support to report the fraud charges and the immediately adjusted the balance for the {$5.00}. Then I was sent emails stating that the issue was resolved. They did not do a balance adjustment for the {$67.00} but I got an email stating this was resolved because You decided not to dispute the transaction which I did not agree to. I called a somehow got an agent that told me it will take two months to investigate the charges. I asked about the email they sent stating that I decided not to dispute the charges and she said it will take two months to investigate the charge. Now I get no response from Apple Card support. Please help with this issue and force apple support to do its job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX : XXXX XXXX account # XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
XX/XX/2022 credit card balance was decreased from {$1000.00} to {$300.00}. Reason because Im over the balance regularly and high utilization. Im never over the balance not once. I called to get a reason why the decrease because it dropped my credit score XXXX points but Im told the letter that was sent is confidential and no one could tell me why,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX Has Violated my Rights. 

15 U.S.C 1681 Section 602 A. States I have the Right to Privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: Avant Holding Company, Inc.
State: MD

Complaint narrative:
I contact Avant because I paid early for my credit card on XX/XX/XXXX instead of XX/XX/XXXX. Avant charged me a late on XX/XX/XXXX for paying early and it made went over {$18.00} which I paid. Now Avant is charging me {$42.00}. 

Avant is charging me a late fee for making a payment on XX/XX/2022. My bank account demonstrates I paid Avant on XX/XX/2022, my payment is due XXXX XXXX. Then they charged me a late fee on XX/XX/2022. 

Then it went over {$18.00} which I paid now they want me to pay {$42.00} which is unfair and deceptive practice because I paid early. They are trying to enrich themselves with interest and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XX/XX/2022, I applied for a credit card through Citizens Bank and was denied. application ID # : XXXX. The only reason Citizens bank claims I was denied is due to " NUMBER OF ACCOUNTS WITH MAJOR DEROGATORY EVENT '' Citizens Banks claims they received this information from XXXX. However when I pulled a copy of my XXXX credit file I was unable to confirm and Derogatory accounts. 

SO that I may be able to confirm whether I am a victim of possible fraud I am asking for Citizens Bank to please provide me with two ( 2 ) simple answers.

1. What month and year is the most recent Derogatory account they found in my credit file? 
2. How many Derogatory accounts did XXXX report to Citizens banks? 

I would like to believe Citizens bank has an interest to protect consumers there is no reason to deny me this information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/2022, there are 2 transactions from my credit card company listed as XXXX XXXX ( which is XXXX XXXX XXXX XXXX One of the transaction ( $ XXXX ) is my credit card balance which is good but XXXX XXXX also pull additional {$470.00} which I don't understand. 

XXXX XXXX Withdrawal - {$5900.00} XXXX XXXX  Withdrawal - {$470.00} XXXX contacted both my bank ( XXXX Money ) and Elan Financial Services. My bank confirmed that both transactions went through. I contacted Elan Financial Services ( XXXX XXXX ) a few times and they kept saying the {$470.00} is not in their system. I didn't initiate that transaction as well. They kept insisting that there's nothing they can do if they don't see it in their system. 

Now as a customer to the credit card, it looks like I lost {$470.00} which is hugely unfair to me given that it looks like an issue on Elan Financial Services ( XXXX XXXX ). From external point of view, It looks like the system of Elan Financial Services is not sound or buggy.

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 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and # XXXX XXXX XXXX XXXX has violated my rights. 

According to the laws : 15 U.S.C 1681 section 602A states that I have the right to privacy. Also 15 U.S.C 1681 section 602A section 2, states a consumer reporting agency can not furnish an account without my written instructions or consent.

Company response to consumer: Closed with explanation