vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-13 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: NJ

Complaint narrative:
The account was reported closed with all credit bureaus. XXXX improperly opened the account back up to report the account 30 days late and then closed the account again. Significantly dropping my score. Then the account was immediately listed as closed again after this was done. I have been severely impacted by this.

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 2023-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX Bank of America has frozen my account after numerous phone calls over the past two weeks to the bank and their fraud department no one can give me a legitimate answer as to why they are with holding my funds. They said deposit fraud but the only deposit made was for {$250.00} does not seem unreasonable or a reason to flag for fraud. I never received prior notice they had froze my account my automatic payments were declined and I now also owe for those payments being rejected due to a major error in the banks security systems within their own fraud department. There is no help, no answers given or explained, and I still do not have access to my funds. I have reviewed all transaction none of them give any reason to be flagged. I had received digital deposit from XXXX and XXXX XXXX  times before these transactions and in the year I have had this account this was never an issue. They lack communication with their consumers and are thieves at best. Their systems are flagging us for no legit/ legal reasons and we the consumers are suffering for it.

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 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM MY BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM MY BUREAUS TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM MY BUREAUS XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: NY

Complaint narrative:
I have a Fidelity Rewards Signature Visa. The credit card is issued by Elan Financial Services. In the mobile app I use to pay my bill, there is a calendar that shows the word " Due '' to signify the due date of the payment. However, the word " Due '' appears between two dates in the calendar ( with one date above and one date below ) and the correct due date is not highlighted, bolded or otherwise signified. Please see the attached photo. Because of this ambiguity, I have twice made my payment on the later indicated " Due '' date. 

While the card issuer has reversed the late fee, they refused to reverse any potential interest charges on my most recent call. Also, they refused to address the underlying issue, claiming that the correct due date is stated elsewhere. It is unclear whether the application design is simply poorly executed and ambiguous or if the company is creating intentional ambiguity to collect fees from consumers. In either case, they should fix the issue.

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 2023-05-13 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: VA

Complaint narrative:
TransUnion, LLC is consistently ignoring investigation requests to resolve their inaccurate, incomplete, unverified, false, misleading and improperly investigated information. They are negatively impacting my financial livelihood and their noncompliance is intentional. I'm requesting for the CFPB to step in to assure that I am being treated fairly as this is causing me financial, mental and emotional distress and I am unable to get TransUnion to stop violating my consumer 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 2023-05-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This complaint is towards XXXX XXXX XXXX agency And the XXXX XXXX XXXX XXXX XXXX 

I've uploaded documents and updated my consumer statement in which The credit reporting agency and Debtor/Creditor are still causing personal and financial injury towards Me as a consumer. XXXX as Violating Consumer Laws Section 15 U.S. Code 1611. 

It states on XXXX This is your history of paying bills on time. Late payments can stay on your report for up to 7 years. This account was open XX/XX/2018 which XXXX as deleted reports from ( XXXX ) and now only showing reporting dates from XXXX. And I have proof of of all reports.Therefore XXXX and this Debtor/Creditor showing action of another consumer law violation section 15 USC 1681B . 

In which I gave no permission to update/Delete any information from my credit report. I Demand for XXXX to remove These Negative items from my Credit report 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 2023-05-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This complaint is towards Experian Credit Reporting agency And the XXXX XXXX XXXX XXXX XXXX 

I've uploaded documents and updated my consumer statement in which The credit reporting agency and Debtor/Creditor are still causing personal and financial injury towards Me as a consumer. Experian as Violating Consumer Laws Section 15 U.S. Code 1611.

It states on Experian This is your history of paying bills on time. Late payments can stay on your report for up to 7 years. This account was open XX/XX/2018 which Experian as deleted reports from ( XXXX ) and now only showing reporting dates from XXXX. And I have proof of of all reports.Therefore Experian and this Debtor/Creditor showing action of another consumer law violation section 15 USC 1681B . 

In which I gave no permission to update/Delete any information from my credit report. I Demand for Experian to remove These Negative items from my Credit report 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 explanation
Consumer complaint received 2023-05-13 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/25 there was a charge on my Wells Fargo credit card for {$8800.00} for XXXX. When I received the statement, I immediately called the bank and file a dispute. I was not familiar with this organization and was surprised to see the expense on my card. When I spoke with the credit card rep they started the dispute process and cancel my card. I also filed a police report as I was very concerned. Police report- XXXX. 
A few days later, I received a letter from Wells Fargo advising me that they will reverse the charge claiming that it was authorized by me. They stated that they sent us two-way notification, and I approved the charges. I saw a text on my phone but I never responded. In addition, this is a large charge overseas to a charity in XXXX. The card is rarely used by us. We have no relationship with any organization in XXXX. 

I was back and forth with a few rep from Wells Fargo and they reopened the case a few times but now they advised that we need to pay. I don't understand how is possible... did they reach out to Merchant in XXXX? They mailed us the investigation results and showed some IT transactions and we called back and asked for an explanation they could not provide. Never had any credit issues and I don't understand they can think that they can charge us for something we never approve or requested. When they sent the case to one of their internal investigator, XXXX XXXX, she wrote back to us the following : I name XXXX XXXX as a victim. We desperately need your help as Wells Fargo refused to assist any more.

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 2023-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
It has recently come to my attention that the IRS, & the SSA, and the federal courts have willfully been making Injurious " presumptions '' which prejudice my Constitutional rights by trying to associate me with the " XXXX XXXX '', which is the all caps version of my XXXX name which is in fact a trust previnusly associated with a " public office '' in the United States government by virtue of the Social Security Number attached to it. Further information is to help clear up any presumptions and set the record straight. 
XXXX. False swearing : ( a ) False swearing in official matters. A person who makes a false statement under oath or equivalent affirmation, or swears or affirms the truth of such a statement previously made, when he does not believe the statement to be true is guilty of a misdemeanor of the second degree if : ( 1 ) the falsification occurs in an official proceeding; or ( 2 ) the falsification is intended to mislead a public servant in performing his official function. I XXXX ; private man ; now make it known to all interested parties : Whereas This Constitution, and the Laws of the United States which shall be made in Pursuance thereof ; and all Treaties made, or which shall be made, under the Authority of the United States, shall be the supreme Law of the Land ; and the Judges in every State shall be bound thereby, any Thing in the Constitution or Laws of any state to the Contrary notwithstanding. [ Article VI section 2 ] Notice of Fair Debt Collections Practices Act ( FDCPA ; 15 USC 1692 et seq ) Violation ( s ) : 15 U.S. Code 1692c - Communication in connection with debt collection ... without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction. 15 U.S. Code 1692e False representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof... The false representation or implication that any individual is an attorney or that any communication is from an attorney. 15 U.S. Code 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. 15 U.S. Code 1692g Failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 15 U.S. Code 1692i Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. Other violations : 12 U.S. Code 411- Issuance to reserve banks ; nature of obligation ; redemption 18 U.S. Code 8 - Obligation or other security of the United States defined 18 U.S. Code 914 - False personation ; Creditors of the United States 18 U.S. Code 1341 - Frauds and swindles

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: MD

Complaint narrative:
I requested credit verification for the negative account on my credit but they send seemly did nothing to remove the wrongful account on my report. I disputed them through XXXX XXXX, and XXXX XXXX and they still failed to remove them. Some of which are even over 5 years. Please help. 
XXXX XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

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 2023-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Good day : I have tried to fix this problem with Capital One with the help of Consumer Financial Protection Bureau Complaint per the following details : Account ending in XXXX Capital One CID : XXXX CFPB Complaint ID : XXXX Capital One responded : " The Spark Business Basic Checking account ending XXXX was originally closed at your request on XX/XX/XXXX '' - THAT IS A LIE! Capital One wrote : " The final closeout check number XXXX for {$970.00} was issued to your address on file. Our records indicate you received this check, and it was paid on XX/XX/XXXX. '' - I NEVER RECEIVED THE CHECK! The " attached paid check copy '' has an error in the signature! - THAT IS NOT MY SIGNATURE ON FILE SO WHY DID CAPITAL ONE PAY OUT THE MONEY? 
XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Around 2011 I had a credit card that they say I didnt pay my credit card which it was not true.

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 2023-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
i got a letter in the mail saying i owe this money and i never open this account they don't have proof i open this account anyone can go online to open accounts in anyone name therefore im asking that this bill be closed out i never open this account in my name at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: MD

Complaint narrative:
I requested credit verification for the negative account on my credit but they send seemly did nothing to remove the wrongful account on my report. I disputed them through XXXX XXXX, and XXXXXXXX XXXX and they still failed to remove them. Some of which are even over 5 years. Please help.

XXXX XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Coradius International LLC
State: SC

Complaint narrative:
they should not be collecting on this account because i filed bankruptcy and it was discharged and they have all the information already i dont know why they contacting me still

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting false statement to my credit report damaging my credit. We both agree to settlement agreement on the on paid balance of {$540.00}. the settlement agreement was for {$270.00} leaving me unresponsible for the difference of {$270.00}. 

XXXX XXXXXXXX is reporting they took a full write off of {$540.00} on to my credit report. 

I sent this documentation to XXXX, and they still reported the way XXXX XXXX it to be on my credit report.

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 2023-05-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting false statement to my credit report damaging my credit. We both agree to settlement agreement on the on paid balance of {$540.00}. the settlement agreement was for {$270.00} leaving me unresponsible for the difference of {$270.00}. 

XXXX XXXX is reporting they took a full write off of {$540.00} on to my credit report. 

I sent this documentation to Equifax, and they still reported the way XXXX XXXX it to be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 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: GA

Complaint narrative:
XXXX XXXX is reporting false statement to my credit report damaging my credit. We both agree to settlement agreement on the on paid balance of {$540.00}. the settlement agreement was for {$270.00} leaving me unresponsible for the difference of {$270.00}. 

XXXX XXXX is reporting they took a full write off of {$540.00} on to my credit report. 

I sent this documentation to XXXX, and they still reported the way XXXX XXXX it to be on my credit report.

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