vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
On XX/XX/2022 I was notified that my account had been blocked due to potential fraudulent activity. I logged into my account and seen XXXX fraudulent charges. I called customer service to start the dispute process. The charges were credited back to my account on XX/XX/2022. The fraud charges posted on XX/XX/2022. A new card was ordered. I called customer service on XX/XX/2022 at XXXX to have my new card unblocked. I spoke with several reps and they are all refusing to activate my account again, they are telling me it can take months for them to turn my account back on while they investigate all fraud that happened on other consumers cards in the same manner as it happened to me. This is absurd and uncalled for. They charge me an annual fee of {$60.00} to have the card. Why would I pay them {$60.00} annual fee when I cant even use the account and at that dont know when the card will be back on. This card issuer does very shady business practices. I want my annual fee waived permanently due to the inconvenience this bank has caused me. {$1000.00} limit and a {$60.00} annual fee when my XXXX XXXX XXXX is XXXX. Thats got to be a joke. I have credit cards with no annual fees and limits high as XXXX on some. Who gives a borrower a $ XXXX limit with a {$60.00} fee with a score of XXXX. I have a XXXX card else where with {$60.00} annual fee, that i see feasible due to a bigger credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: IN

Complaint narrative:
I'm on my third dispute resolution for the same problem with the Equifax company. Both XXXX and XXXX resolved my dispute in my favor on the first request. It seems that Equifax is unwilling to contact XXXX XXXX regarding the information and dates I have provided them, and rather checks only with the collection agency, XXXX XXXX XXXX. To no ones surprise, XXXX continues to say I owe a XXXX XXXX  monthly charge that was billed after I closed my XXXX account. 

The dates in question are as follows : On XX/XX/2021 I called XXXX XXXX and closed my account. I also turned off my autopay feature online on that same date. I was told and got a subsequent email to the same effect that my account closure would be immediate, as in that same day. My autopay billing cycle each month ended on the XXXX, and since XXXX bills a month in advance per their statements and website, I was paid up through XX/XX/2021. I was told on this same phone call to pay the {$10.00} termination fee which I did online. 

While traveling the following month I received a bill for {$52.00} for another month of service from XXXX XXXX, and by the time I returned I found out it had been turned over to XXXX XXXX XXXX for collection. I filed disputes with all three credit agencies and XXXX and XXXX deleted the inaccurate charge from my credit report upon my first request, but Equifax for whatever reason seems to have no interest in doing so as well. 

I would greatly appreciate your assistance in getting Equifax to carefully review my complaint and invalid charge with XXXX XXXX and ask them to remove this entry from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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:
n accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-07-13 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:
n accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Co LLC
State: SC

Complaint narrative:
May be a victim of identity theft. My accounts have been frozen for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: FL

Complaint narrative:
There seems to be an error on my consumer report furnished by XXXX XXXX XXXX XXXX On my consumer report, there is a late payment reported which is causing damages to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any of the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and XXXX has stated there shouldn't be any late payments? Is XXXX XXXX  attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt out or limit sharing of my credit worthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is defined as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX  has been accepting from me for the past years if under United States Code it is defined as commercial development of oil, natural gas, or minerals? Is there a yield of the investment on the account that's due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my person 's consumer reports needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be returned back to 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 non-monetary relief
Consumer complaint received 2022-07-13 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: FL

Complaint narrative:
There seems to be an error on my consumer report furnished by XXXX XXXX XXXX XXXX On my consumer report, there is a late payment reported which is causing damages to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any of the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and XXXX has stated there shouldn't be any late payments? Is XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt out or limit sharing of my credit worthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is defined as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX  has been accepting from me for the past years if under United States Code it is defined as commercial development of oil, natural gas, or minerals? Is there a yield of the investment on the account that's due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my person 's consumer reports needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be returned back to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There seems to be an error on my consumer report furnished by XXXX XXXX XXXX XXXX On my consumer report, there is a late payment reported which is causing damages to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any of the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and Congress has stated there shouldn't be any late payments? Is XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt out or limit sharing of my credit worthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is defined as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX has been accepting from me for the past years if under United States Code it is defined as commercial development of oil, natural gas, or minerals? Is there a yield of the investment on the account that's due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my person 's consumer reports needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of XXXX business to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be returned back to 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
Consumer complaint received 2022-07-13 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: NJ

Complaint narrative:
the Bankruptcy that is showing cleary has the wrong address that is my address that is not mine ad need to be 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 2022-07-13 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: NJ

Complaint narrative:
the Bankruptcy that is showing cleary has the wrong address that is my address that is not mine ad need to be removed,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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 XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My current address is XXXX XXXX XXXX XXXX XXXX XXXX  all the other address that is showing on my credit report is Fraudulent and need to be removed with all the accounts that are reporting them

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 2022-07-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: WI

Complaint narrative:
We have a VA backed mortgage with United Wholesale Mortgage aka UWM. We are moving and want to offer other XXXX a chance to assume our mortgage at a very favorable rate. However, UWM has been dragging their feet for more than three weeks now and already cost us one buyer. Every time we contact the company, we get a nonsensical answer ( e.g., they want to process this like a succession ) or they keep saying that the mortgage assumption package will be coming ( in XXXX, XXXX, XXXX hours, two more business days, the process normally takes 60 days, etc ). We are losing time and money from this mortgage company and their bogus delays. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
3. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX XXXX XXXX XXXX Failure to perform an investigation per fcra regulation 4. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Failure to perform an investigation per fcra regulation

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 2022-07-13 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 XXXX XXXX XXXX XXXX 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 with 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 2022-07-13 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: PA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX XXXX I have sent a money wire to my older brother XXXX XXXX who resides with his family in XXXX XXXX The money sent was money owed to him from inheritance. 

The total amount was {$50000.00} I have sent the money using my Capital one checking account to his checking account in XXXX XXXX bank. On XX/XX/2022 my brother texted me stating his bank received a message that funds were put on hold and that they needed additional information. 

I called Capital one on XX/XX/2022 and they sent me a fax to prove that funds were submitted and it was good on their end and that no one has contacted them for more information. 

Then my brother did more investigation and it turns out that the intermediary bank which is XXXX XXXX is holding the money. 

I did a conference call with my brother with Capital one on XXXX XXXX and a case was open on why funds were not deposited and it asked for money to be either deposited or return. 

On XX/XX/2022 I called capital one bank and they said they open a new request for XXXX XXXX to release or refund the money, I called Capital one again on XX/XX/2022. They lady said XXXX 's XXXX is not responding and not releasing the money. I do not trust XXXX XXXX. I also did not ask Capital one to use them. 

They are keeping my money for no reason and I am not sure what they are doing with it, but I do not trust them and their history speak for them. 

I would like for the fund to either be deposited to my brother 's account or returned to me. 

Since Capital one is the issuing bank they bear that responsibility. I did not ask them to send the money via another bank, specially XXXX XXXX which I do not trust nor I have an account with Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation