vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2024-11-05 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: DC

Complaint narrative:
I initially registered online for XXXX XXXX XXXX on XX/XX/year>, after moving into a new apartment. I realized, however, that I was not able to receive XXXX XXXX in this building. I never received a router or modem from XXXX or accessed the Internet through their services, and I canceled my account. On XX/XX/year>, I received a bill for {$310.00} for this account. On XX/XX/year>, I called XXXX 's support number ( XXXX ) to address the false bill. I was told by the operator that their manager would cancel this charge ( set it to {$0.00} ) and close the account. Several months later, however, I received a text notice that the account would be sent to collections and, on XX/XX/year>, I received a letter from Diversified Adjustment Service attempting to collect a debt of {$340.00} and containing the bill sent by XXXX. 

I called XXXX 's support number again on XX/XX/year>, and was told that the company could not do anything because the debt had already been transferred ; I asked for a statement about why I was told that my charge would be canceled and account closed and then have that account instead sent to collections, and I was told by XXXX 's debt collection representative : " That's not OK, and I am not sure why you experienced that as well, because of representatives ' training. I do not have that information. I can not answer your question. '' They then transferred me to Diversified Adjustment Service, declining to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit file. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items permanently removed from my credit report. 
The following accounts were not opened by me and should be blocked and deleted : XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$4400.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$820.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: WI

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: IN

Complaint narrative:
I RECIEVED THIS BY MAIL IN RESPONSE TO ONE OF THE CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINTS I FILED. 

THE ENVELOPE RETURN ADDRESS IS CROSSED OFF AND A DIFFERENT ADDRESS IS HAND ENTERED. 

THE LOGO DETAILS FOR FIFTH THIRD BANK ON THE LETTERHEADS DO NOT LOOK OFFICIAL OR LEGITIMATE. 

MY XXXX XXXX XXXX IS CURRENTLY OPEN, ACTIVE, AND IN GOOD STANDING. 

ON THE " CLAIM OF LEVY '' DOWN BELOW IT STATES REGARDING THE ENTIRE MAILING... 

" THIS IS AN ATTEMPT TO COLLECT A DEBT BY UNITED COLLECTION BUREAU , INC, A DEBT COLLECTOR, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE ''. 

ITS APPARENT THIS IS A RETALIATION LETTER ABOUT ONE OF THE COMPLAINTS I RECENTLY FILED AS LISTED ON THE " XXXX  '' IS THE NAME OF XXXX XXXX XXXX / XXXX XXXX XXXX WHICH IS THE WAY I SIGNED EACH AND EVER CONSUMER FINANCIAL PROTECTION COMPLAINT THAT I PUT IN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Please remove this bankruptcy as a third party having my information without my consent is against the law and the bankruptcy court instructed you guys to remove 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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I recently looked at my credit report and noticed some fraud accounts listed on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I recently looked at my credit report and noticed some fraud accounts listed on my reports.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-11-05 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: CL Holdings LLC
State: CA

Complaint narrative:
Hi my name is XXXX XXXX and I am contacting you according XXXX XXXX XXXX XXXX XX/XX/XXXX fraud account. JEFFERSON CAPITAL SYSTEMS , LLC many times wrote me that according JCS Reference # XXXX account JEFFERSON CAPITAL SYSTEMS , LLC terminated collection efforts on the debt and requested the credit bureaus delete their tradeline on XX/XX/XXXX. Previously I requested to send me official deletion letter of fraud account from my name to use it for dispute and further removal of XXXX XXXX XXXX XXXX XX/XX/XXXX from my XXXX credit report. 
JEFFERSON CAPITAL SYSTEMS , LLC just responded Jefferson Capital Systems , LLC, can not control another company 's reporting practices. 
Ok, maybe it is XXXX 's problem. 
I am requesting to send me just official statement that Jefferson Capital Systems , LLC removed account from my name. Nothing more. The letter can be mailed to my current address XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I visited my local branch ATM the Citibank located at XXXX XXXX XXXX XXXX, XXXX XXXX California. I proceeded to deposit {$2000.00} in cash via the ATM and the ATM gave me an error then did not credit my account with the deposited funds. I immediately went into the branch and informed them of what had taken place. I was asked to contact customer service and let them know to open an investigation. I did so immediately and the investigation number with Citibank is XXXX. I was told that I would receive a provisional credit within XXXX business days while the investigation took place. I have not received any credit nor correspondence from the bank, I have gone in and spoke with the branch XXXX, XXXX, at my local branch to inform him and he also was unable to help me. Ive contacted Citibank multiple times and just keep getting a generic response that the investigation is ongoing, but theres been no credit applied and no further information and were almost one month past the date of deposit. Please help!

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I attempted to set up a payment with AVANT credit card company using my XXXX debit card and the payment never processed and I was penalized with a late charge due to non payment. I requested a waiver of the late fee because I was unaware that the AVANT does not take payment from XXXX debit cards and they submitted a request. I made a second attempt to make a payment by using my XXXX debit card and the payment never processed and I was once again penalized with another late charge now equaling two late charges of {$39.00} each. I once again requested a waiver and downloaded the AVANT mobile application where I linked my XXXX XXXX XXXX account to make autopayments to AVANT. I check my application two months later and find out that none of the payments went through even though my checking account was in good standing and had the funds. I called AVANT @ XXXX and they told me that there was an error and that they could not help me because it was my phone application that had issues. I asked to speak to a supervisor multiple times to clear the situation up but they just placed me on hold for hours. I tried calling again when I had some free time and they told me instead of holding for so long that they would have a supervisor call me and they never called me back. Today I was finally fed up and waited XXXX hours to speak to a supervisor who then told me I would have to email the company for a waiver of any late charges. I am currently 180 days delinquent of making a payment and I tried multiple times to make a payment with AVANT but I can not make payment due to the scammy system they have in place. I googled AVANT and I am not the only customer they have that has difficulties with them and making payments are almost impossible. I need help because as of right now I have {$320.00} owed of late fees before I can chip away at my {$500.00} credit owed but I can not make any payments due to the system they have in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi, this complaint is for my oldest account which is Capital one. XXXX I opened the dispute from XXXX to XXXX of wrong personal information from my XXXX credit report. after XXXX week when I checked my credit report my oldest account CAPITAL ONE was removed from credit Bureaus. I call them immediately. they ask me XXXX reported to us this account was opened fraudulently application that's why we remove this account. I called XXXX and I spoke with supervisor about this issue. He sed sorry this was our mistake, and we reported wrong item as a fraudulent account. I never dispute the CAPITAL ONE ACCOUNT as a fraudulent account this account was opened by me on XXXX, and I am responsible about this account.my account right now is restricted and close because of wrong dispute from XXXX. I really need to reopen this account from capital one because this account is mu oldest account and now my credit score dropping from XXXX to XXXX also, I did the CFPB complaint to XXXX XXXX give me or send the letter to capital one which they did mistake on my account. I attached all document which I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX I made a fraud claim involving an XXXX $ charge i didnt authorize. I check back a few hours later and they closed my account and wont let me have access to any money in my savings that was there already or the money i had disputed. they said they have no time frame on when i can receive my check with my funds that were in my bank account. 
my bank account was through capitol one

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I received limited time personalized offer in the mail to open XXXX XXXX credit card. When I was applying, the process got interrupted with no reasons, ans when I tried to repeat it, my computer blocked it stating that it was insecure web site. The website I went to apply was XXXX Now I think it was scammers, and they stole my personal information

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX i found out that i was a victim of identity theft. The only person that i could think of that could of opened that many credit card accounts without my knowledge would be my ex husband. He kept alot of information away from me. I followed the instructions the bureaus gave me, but they only removed half of the fraudulent accounts. So here i am again trying to get this fixed.

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 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had Wells Fargo business account for 1 years XXXX XXXX XXXX XXXXXXXX over the past year! 
And last month XXXX I XXXX XXXX XXXX XXXX XXXX  person for around {$8000.00} they buyer already get the shoe and all my XXXX XXXX XXXX XXXX no return! 
After few days the buyer try to get refund, I refused! And. The buyer file claim with their bank he sent money though XXXX and my XXXX get banned right now Wells Fargo try to closed my account thats not fair my bank Wells Fargo said my name will be closed by XX/XX/XXXX and they told me my business account and personal account all gon na be closed I just try to keep my account I need help with this. I XXXX XXXX XXXX for XXXX years! I had Wells Fargo account over a year before is no problem only this guys sent me 3 times payment though their bank XXXX. Thats really not fair for 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