vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 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: CA

Complaint narrative:
I submitted a request to transunion to check and make sure everything was accurate according to 15 USC 1681i ( 5 ) In XXXX I asked Transunion to investigate my XXXX XXXX # XXXX they did not correct any information on this account. I submitted another request asking Transunion to reinvestigate and make sure everything was correct. XX/XX/XXXX Transunion response with an updated credit report still showing no corrections were made. 

The date opened is incorrect, on all three credit reports. The last active date is incorrect and the balance and charge off amount are incorrect on all three credit reports. Which is a violation. This is impacting me from moving forward to buy a car for my growing family. 

I attached my previous credit report from XX/XX/XXXX and the updated report Transunion provided me XX/XX/XXXX and my new credit report to show how TransUnion violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2022, I had my wallet pick pocketed from me. I had thought it was only misplaced or lost at the time, so didn't cancel my cards until a week later which ended up being a big mistake. I thought nothing of it until XX/XX/2022 when I noticed a large transaction at XXXX ( A grocery store ) for {$3300.00} on my Debit card on XX/XX/2022. I surmise that the products purchased were a great amount of gift cards, and I can't understand why that doesn't trigger any red flags. Nor why the thief didn't have to use my pin for my debit card. 

I immediately filed a fraudulent Debit card claim with Bank of America, which was quickly denied due to their assumption that the spender was " an authorized user on this account ''. This was obviously not the case, so I called their fraud department hotline to give them additional details and reopening the claim, which was shortly denied again for the exact same reason. 

I then figured BOFA wasn't going to do anything about this, so I filed a police report. The case number is XXXX for the XXXX XXXX Police Department. There is currently a subpoena for the XXXX to pull their tapes and provide video evidence that the spender was not me, but it has already been over 4 months and I highly doubt that any timely progress is going to be made. 

This is no small amount of money, and it's frankly ridiculous that someone can look at this transaction for thousands of dollars at a GROCERY STORE and think yup this looks legit. Anyway I attached the police report for review. 

Thank you for your time, and I look forward to hearing from 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 2023-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Hello, We are part of the Wellsfargo class action settlement ; however, we are getting the run-around in a major way. 
In the fall ( XXXX ), we received a pre-settlement check ( twice ) for this class action that we DID NOT cash. We DID NOT accept the settlement amount. 
We have contracted Wellsfargo by phone and by email, and every time we are told that our inquiry is invalid, either because the lawsuit is for a specific issue, like them opening an account we didn't authorize, or that the lawsuit is closed and therefore we would not be included.

At this point, we feel that Wellsfargo is stalling and providing false information on purpose, and we are being stonewalled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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: MA

Complaint narrative:
Remove all inaccurate, erroneous, unverifiable information. I will be as clear as possible so there is no further misunderstanding. The corrections should be as follows : XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXXXXXX ( and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX  XXXX ( and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX  XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; balance is lower than high balance ; delete immediately XXXX XXXX XXXX XXXXXXXX XXXX ( and all variations of this account ) - last payment made states XX/XX/2013 ; it is almost 10 years later ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Reporting charge off with a balance ; delete immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: TN

Complaint narrative:
XXXX is trying to collect a debt for MaxLend. I disputed the debt with XXXX and asked them to send proof of the loan. They sent me documentation which says I applied for a {$1300.00} emergency loan on XX/XX/2022 with a final maturity date of XX/XX/2022. The APR is 635.74 %. Payments of {$340.00} were to be paid every two weeks. The documents indicate I applied electronically, Esigned, and agreed to electronic communication via text messages. I never applied for a loan with this company and I never received any text messages from this company.The documents have my correct social security number and home address. However, the documents indicate the funds were wired to a bank with a routing number and account number different than mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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
Consumer complaint received 2023-03-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2023-03-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I paid my account in full in XX/XX/XXXX. XXXX XXXX XXXX XXXXXXXX reported it as late to my XXXX credit report in XX/XX/XXXX. When I called to find out why, they said I owed {$36.00} in late fees. When I tried to explain it was paid in full in XX/XX/XXXX, they cut me off and spoke over me - forcing me to pay {$10.00}. They claimed the account would be cleared of fees and closed. 

The following month, XX/XX/XXXX, they tried to charge an additional {$35.00} in more fees and are now harassing me by phone, 7 - 10x a day. They keep saying if I don't pay the added fees they will continue to report to my credit report. 

In XX/XX/XXXX, they are continuing their harassment and extortion, and trying to now charge me {$100.00} on a paid off, closed account. 

They refuse to acknowledge via XXXX dispute that the account was paid in full in XX/XX/XXXX and continue reporting it as late to my credit report. They also continue trying to charge fees after its been closed. This is extortion as the account has been paid and closed. 

Please make them stop harassing me, extorting me, and charging me fees. I refuse to pay unending fees on a paid off, closed account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.15 USC 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 
I sent dispute letters To Transunion, XXXX and XXXX on the following dates XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I haven't received any response from the 3 credit bureau 's listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing regarding my credit report which contains some inaccurate information. I have found several negative items on my report that I believe are damaging my credit score unfairly. I would like to request that you investigate these items and remove them from my credit report as soon as possible. 

Firstly, I have an account with XXXX XXXXXXXX ( Account Number : XXXX ) that I believe has never been paid late. Your reporting of this account is completely inaccurate, and I believe it is having a negative impact on my credit score. Therefore, I kindly request that you update this account and delete the inaccurate information immediately. 

Secondly, there is an account listed under XXXXDEPT OF ED ( Account Number : XXXX ) that I am unsure of. I would appreciate it if you could clarify this account 's name and number to me, or remove it from my credit report altogether. 

Thirdly, there is an account listed under XXXXXXXX XXXX XXXX  ( Account Number : XXXX ) that I can not recognize. I kindly request that you investigate this account and make sure that it belongs to me. If it does not belong to me, please remove it from my credit report. 

Additionally, I would like to bring your attention to several inquiries that have reached the statute of limitations. The inquiries listed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX were made on XX/XX/XXXX. Since the statute of limitations for inquiries is exceeded, I request that you remove these inquiries from my credit report. 

I appreciate your prompt attention to this matter, and I would be grateful if you could send me a copy of the updated credit report once these items have been removed. 

Thank you for your help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: MORGAN STANLEY & CO. LLC
State: NY

Complaint narrative:
Morgan stanley Etrade financial sent a letter after I made a complaint and closed my account. The stated reason was because of a XXXX balance. My balance is currently XXXX cents. If Etrade closed my account they should have sent me a check of any funds in the account. Etrade is refusing to give me my funds. Customer service representative asking me if I was willing to let the money go. I cant believe I was asked this. I asked for a supervisor and told person I was recording him. Representative got angry and put me on long holds to avoid being recorded. Supervisor never responded. These are all bad practices that should not be ignored. I am not sure how a bank can decide when to close an account. If a bank closes an account just send any funds to the account holder and be done with it. I asked why my account was being closed and representative would not provide information. Please forward this to both Morgan Stanley and Etrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2023 at approximately XXXX I spoke with a representative from experian and advised him that I had inaccurate information reporting on my credit report. There was a XXXX  card that showed closed and reporting late payments. I opened up a dispute and it was completed on XX/XX/2023 showing as updated instead of removed. 

In accordance with the fair credit reporting act Experian, XXXX, XXXX, XXXX and XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish a account without my written infractions.

15 USC 1666 B states that a creditor may not treat a payment on a credit card account under open end consumer credit plans as late for any purpose. 

According to Metro 2 Compliance the above stated account 's does not meet the standard and doesn't follow any of the FCRA and the ECOA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I open a bank account online it was a joint account for me and my wife. So a week later I went to deposit a check issued from XXXX  in my wife name we walk into the Citi bank branch on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny deposited the check at a teller because we didnt receive debit cards yet the teller started the process and then went and talk to the bank manger which seem weird then came back and started to have weird small talk 2 hrs after that my account I deposited the check in which was savings was blocked and my checking was account was closed so I called Citi bank got transferred to the fraud department so I asked whats going on with my account they stated that my check was fraud and the bank blocked my account not them so at this point the bank is closed so the next day as soon as the bank open Im there to figure out whats going on the manger looked surprised to see us there so I explained to her whats going on I stated what the fraud department told me and she like oh let me check we dont block accounts at the branch but they back office ( fraud department ) told me it was them so she then say the check couldnt be verified which they never tried to verify the day I deposited it because she mark it off as fraud but now Im there facing what she did she cant from her decision so the check ended up being verified and cleared oh wow now its not fraud what changed we where profiled and discriminated against because we was black coming into to this Indian people bank and thought I wasnt gon na make sure they do they job so my accounts where unblocked and all open back up she apologized many times stating they dont do business like this thats not how its supposed to go I ask for something in writing stating what went wrong she look nervous like we cant give you anything so the next day my checking a account is closed again smh I have screens shots of the process

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
XXXX says I owe them {$760.00} for some cell phones. I returned the cellphones to XXXX, by mail. I have the tracking receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE
State: TN

Complaint narrative:
AvanteUSA sent me a letter last month saying they are collecting a debt for XXXX. I asked for proof of the debt and they sent me documents which indicated I allegedly borrowed {$1600.00} and made application on XX/XX/2022. The loan maturity date was XX/XX/2022. The APR is 635 % with a first payment of {$250.00} and remaining payments of {$400.00} every two weeks. The documents had my correct social security number and address. However, the bank routing number and bank account number where the funds were sent are not mine. The documents indicate I applied electronically for the loan and I gave consent for all communication to be electronic. I have never received a phone call, email or text from XXXX. I never signed electronically for a loan with XXXX. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation