vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 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: OH

Complaint narrative:
I have tried to resolve this with the credit bureaus. I am hoping you can expedite this for me? 
1. The following personal information is incorrectName XXXX XXXX XXXX XXXX Name : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX. The following personal information is incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. DOB - XXXX XXXX. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
6. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
7. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
8. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
9. XXXX XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
10. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
11. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
The inquiry was not authorized US SM BUS ADMIN ODADate of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXDate of inquiry : XX/XX/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 2022-04-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have tried to resolve this with the credit bureaus. I am hoping you can expedite this for me? 
1. The following personal information is incorrectName : XXXX XXXX XXXX Name : XXXX XXXX Also Known As : XXXX XXXX  XXXX Also Known As : XXXX XXXX2. The following personal information is incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. DOB - XXXX XXXX. XXXX XXXX : XXXXPlease remove this inaccurate information from my credit report. 
6. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
7. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
8. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
9. XXXX XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
10. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
11. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
The inquiry was not authorized US SM BUS ADMIN ODADate of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXDate of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
My Name is XXXX XXXX a federally protected consumer and I am making this complaint against Credit Collection Serv. For committing identity theft. I have never given Credit Collection Serv. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c. I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this until Credit Collection Serv can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ccs continues its collection efforts, I will file for litigation for actual damages caused and ccs will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: UMB FINANCIAL CORPORATION
State: OH

Complaint narrative:
UMB visa debit card stopped working after XX/XX/XXXX UMB continued taking fees on non working card XX/XX/XXXX {$5.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$5.00} Moved my remaining balance to a different card but never informed me nor provided a new card. Have taken an additional {$18.00} in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: VA

Complaint narrative:
I have filed an FTC report for identity theft for inaccurate accounts I found on my report and no one is helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: MI

Complaint narrative:
My house burnt down in XX/XX/2019. The insurance company only wanted to pay out half of the claim XXXX months ago I hired an attorney to get me the other half of my claim which he did now the rest of the funds are locked up between the attorney and the mortgage company the mortgage company is refusing to pay the attorney the attorney is refusing to release the funds unless he gets paid can not after weeks of trying get the two of them to agree. My temporary housing is only paid till the end of XXXX it was supposed to be paid to XXXX those funds are also locked up in this dispute so I family of XXXX will be XXXX at the end of the month if I can get these companies to agree so we can get her money and I can finish rebuilding my house

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: NJ

Complaint narrative:
Not Sure, but, this is clear identity theft, and someone has used my name, and i would like this to stop. This is a horrible experience to clean up and has cost me and my family even more time and energy trying to clean this up. 
Please delete this information 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 2022-04-14 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: NJ

Complaint narrative:
Not Sure, but, this is clear identity theft, and someone has used my name, and i would like this to stop. This is a horrible experience to clean up and has cost me and my family even more time and energy trying to clean this up. 
Please delete this information IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is fraudulent inquiries in my credit report that I do not recognize. These inquiries are XXXX XXXX  with inquiry date ( XX/XX/XXXX ), XXXX with inquiry date ( XX/XX/XXXX ), & XXXX XXXX  with inquiry dates ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/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 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXXXXXX XXXX Contact information : XXXX XXXX XXXX Claims to have credit card debt under my name. Continuously harasses my father on his cell phone and never calls me. When I speak to them, they state : It is my burden to show proof that the debt is not mine. 
They continuously deny that they call my father. 
My last communication ( XX/XX/22 ), they harassed me with " presenting papers to me '' then hung up on me. 
I have asked repeatedly to stop calling my father. 
I willingly give them my phone number and repeatedly ask to call me and not my father. 

I have called the credit card company two times to make sure I am not crazy. They have no record of me. This collection agency has been harassing me and my father for the last year. These tactics are completely illegal and should be shut down. They do not offer up any more information other than the phone numbers my father provides me with.

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian is reporting an item on my credit report incorrectly and inaccurate. Other bureaus removed this item, do the same thing Experian!

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 2022-04-14 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently disputed some inaccurate items on my credit profile that should not be on there ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). I asked very specifically to let me know the method in which they went about their investigation. Their method was never communicated to me. This leads me to believe that they are consistently using some computer generated artificial intelligence with my disputes. After speaking to a rep yesterday ( XX/XX/2022 ) I was told that they use a computer to contact the credit card company to VERIFY this information. This verification method holds no validity as they are getting a simple Yes or No without a true investigation. They dont provide a day that these accounts were allegedly applied for, an IP address, or a signature. This company is HORRIBLE. They dont have a true investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: MA

Complaint narrative:
On XXXX my card was used twice. {$24.00} & {$72.00}. Both at XXXX On XX/XX/XXXX my card was then used twice again. {$290.00} & {$310.00} both at XXXX XXXX. 
On XX/XX/XXXX my card was used 7 times. {$13.00}, {$50.00}, {$42.00}, {$24.00}, {$31.00}, {$39.00}, {$120.00}. 
On XX/XX/XXXX my card was used 2 more times. {$36.00} ; & {$9.00} To note here I have never charged more then 2 charges in one month. I have never went over 10 % of my balance. Here the repeated charges pushed my balance to XXXX dollars over the limit. This has been reported to the credit bureau. 
On XX/XX/XXXX I called Avant a webbank affiliate to declare my card lost stolen. And to report the charges in Dispute by me. These charges were not made by me or anybody I know or even with any knowledge these charges or this was going on.. A third party vendor hired by avant made a case and I was told to wait 5 businesses days and someone would contact me. No one ever did. On XX/XX/XXXX I called in to avant to ask why no one has called. I was then told the issue was re-escalated and I had to wait 10 business days for contact. I received an email stating if applicable preliminary credits would be applied and I would only be contacted if need be. I waited those 10 business days. Once again I called after the date, and asked what was going on and why credits have not been applied. No one can ever answer anything. The call center has limited knowledge and can not transfer a call to fraud even if they wanted to. So I. Allied everyday sence then. No one could tell me who was handling my case, why no credit was applied. No answer to nothing. Then on XX/XX/XXXX late in the day I seen preliminary credits. On XX/XX/XXXX those credits were taking back. I called to ask why. I was told I was found responsible for the charges. How? Why? What happened to only reaching out if more info was needed by avant from me. Avant wouldnt even know if I had a police report. They never asked. The never asked if I called vendors and got any photo or camera footage. Avant has left me completely in the dark. Avant has also lied to a XXXX  complaint answer. When I activated my card its clearly says zero percent liability. By federal law, I am only entitled to pay 50 dollars. Because the card was used In Person not online. Avant refuses to discuss this personally with me. Because they know they are doing a wrong. On top of this I am trying to rewrite my equity line on my home in which I have XXXX children. I now have to wait until I can clear this up to do that. To note in the three months before this fraud happened I used this card once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: AZ

Complaint narrative:
FORTIVA CREDIT PROTECTION REFUSES TO SEND REQUIRED DOCUMENTS TO ME SO THAT THEY WILL HAVE TO PAY OUT FOR THE 6 MONTHS AS REQUIRED IN MY SERIVICE WITH THEM MY CREDIT CARD COMPANY HAS BEEN ASSISTING WITH OTHER FEE 'S BUT THERE IS MORE TO BE DONE I SEE AN ADDITIONAL XXXX THAT IS OWED TO ME. 


XXXX MINIMUM PAYMENT X6

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, thank for taking the time to read this. I have contacted trans union to remove the inquiries off of my account that I did not authorize, the representative said that they could not do that when I know that they can and that it is only right that they do seeing that I did not authorize these transactions. There are eight inquiries that need to be deleted youll see listed below. 

XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : 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 explanation
Consumer complaint received 2022-04-14 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 2022-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Received HELOC from SunTrust around XX/XX/2020. Sun Trust transitioned to Truist and my payments were not being recorded thereby decreasing my credit score by XXXX points. I have spoken to multiple Truist representatives and they are unable to assist despite the fact that they see the payments. Truist also changed part of the loan to a variable interest to increase their profit margins.

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
XXXX XXXXXX/XX/XXXX. 
AMEX XX/XX/XXXX They were never authorized to check my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-04-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE FILED A DISPUTE IN REGARD TO THE INCORRECT ITEMS ON MY CREDIT REPORT.ITS HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECIEVED ANY INVESTIGATION RESULTS.

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 2022-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
This involves Cash App Someone used my phone to received their authorization code to open up a Cash App account. I want the acct closed I do not have a Cash App acct myself and do not wish to be associated with one I have called repeatedly but no live person I have emailed repeatedly but they do not get the issue I believe this went down XX/XX/13

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: TN

Complaint narrative:
Amerassist AR Solutions has placed a collection on my credit profile claiming that I owe {$1300.00} to XXXX XXXX XXXX. I researched XXXX XXXX XXXX and found out that they are some sort of dental company. I have never had and services done by XXXX XXXX XXXX. I reached out to Amerassist over 60 days ago via certified USPS letter ( I attached a copy in the CFPB document portal showing when they received my complaint ). They have yet to respond. What they did was buy some erroneous debt for pennies on the dollar in hopes to turn a profit from it. They obviously didnt try to verify this with any official documentation. This company is HORRIBLE. Every time I call they give me the run around.

Company response to consumer: Closed with explanation