vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 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: KY

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

Account name 's & numbers : 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 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also state 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 then seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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
Consumer complaint received 2023-01-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I opened my credit monitoring account and seen unfamiliar inquiries on my account such as : XXXX XXXX XXXX XXXX XXXX XXXX I tried to call these companies some didn't have phone number to contact therefore nothing was done to fix this issue. 
Also I have never applied for a mortgage whatsoever yet there are number inquires on my report from mortgage companies such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Notice of Conditional acceptance and Affidavit of Debt Validation was sent out via certified mail VIA XXXX XX/XX/2023. Tracking number XXXX Requesting specifically validation of the debt under penalty and perjury. There is a copy of the affidavit attached. The notary signed the copy sent via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: MO

Complaint narrative:
TransUnion and XXXX are reporting inaccurate information on my XXXXXXXX XXXX XXXX XXXX XXXX  See attached info

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 2023-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
In XX/XX/XXXX JP Morgan Chase began charging a {$12.00} fee if theres a balance below {$1500.00}. I complained to the banker explaining this was an unreasonable fee for a XXXX XXXX and that I had been a long time customer ( since XXXX ) with a XXXX XXXX for over 12 years. 

I think its an unfair practice to go back on a contract with a customer. Its not possible to maintain that high balance on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: PA

Complaint narrative:
I opened my credit monitoring account and seen unfamiliar inquiries on my account such as : XXXX XX/XX/XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 I tried to call these companies some didn't have phone number to contact therefore nothing was done to fix this issue. 
Also I have never applied for a mortgage whatsoever yet there are number inquires on my report from mortgage companies such as : XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I opened my credit monitoring account and seen unfamiliar inquiries on my account such as : XXXX XX/XX/2XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 I tried to call these companies some didn't have phone number to contact therefore nothing was done to fix this issue. 
Also I have never applied for a mortgage whatsoever yet there are number inquires on my report from mortgage companies such as : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
Hi, I recently had a theft incident where my gym bag was stolen and my credit card happened to be in my gym bag ; The person who stole my card used it to make multiple purchases. I complained and called Avant to make a fraud report ; they removed the transactions, but two weeks later, they added the total amount back to my balance without informing me of anything. They now ignore me and every one of their representatives transfers me to the fraudulent department, but no one ever helps me. This is very unprofessional. I would like the fraudulent transactions to be permanently removed from my account again. 

Thank you for your help : The people who work in the fraudulent department are very rude and unprofessional. 
Their address, XXXX, and contact information are below : Avant Credit Card XXXX XXXX XXXX XXXX XXXXXXXX Avant branded credit products are issued by : XXXX. 
Avant XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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 — Overcharged for something you did purchase with the card
Company: U.S. BANCORP
State: PA

Complaint narrative:
First Issue. On XX/XX/XXXX, I used my US Bank Altitude credit card ending in XXXX to pay rent for an apartment in XXXX purchased through XXXX. I used this card because it offered 0 % of each foreign purchase transaction or foreign ATM advance transaction in a XXXX XXXX. I authorized the charge of XXXX Euros. My statement shows a charge of {$870.00}. The exchange rate on this day, XX/XX/XXXX, between Euro and the US dollar was XXXX ( see attachment ). The transaction was posted on XX/XX/XXXX. The exchange rate on this day, XX/XX/XXXX, between Euro and the US dollar was XXXX. XXXX ( see attachment ). The correct conversion rate with 0 % of each foreign purchase transaction should be XXXX x XXXX {$850.00} and I should be charged this amount on this day, XX/XX/XXXX, instead of {$870.00}. Hence I was overcharged {$17.00} ( XXXX ). Even if the bank used the conversion rate on the day the transition was posted, the correct charge should be {$850.00}. In any even I was overcharged about {$18.00}. 

Second issue. My statement dated XX/XX/XXXX shows Points Earned this Statement XXXX, Total Points Balance as of XX/XX/XXXX - XXXX. So as of XX/XX/XXXX I have a total of XXXX points. The next statement dated XX/XX/XXXX shows only XXXX earn points and XXXX points available. Hence XXXX pints have gone missing ( XXXX ) with dollar value of {$10.00}

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 2023-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XXXX in the statements from : End XXXX, End XXXX, End XXXX, End XXXX and End XXXX The category Bonus on my Cash+ card from US Bank were not credited. 
On the statements at the Bonus Furniture + Utilities the amount is {$0.00}. 

Strangely the statement of End of XXXX is correct. 

Charges were from XXXX XXXX ( XXXX ) and XXXX XXXX. Both charges have been credited each month prior without any issue or missing amounts. 

I contacted US Bank via phone on XX/XX/XXXX, they said to look into it. 
I received a letter dating XX/XX/XXXX saying that nothing is wrong but I can fax any transactions details where I see missing rewards. 
I faxed on XX/XX/XXXX all 6 statements of Q3 and Q4, highlight what is missing and the amount. 

I received a letter XX/XX/XXXX stating that Q4 the bonus category wasn't selected. 

How can that be? I am pretty sure I did and on the statements it also shows this. 
That still doesn't explain why two statements in Q3 don't have it, but XXXX has 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 monetary relief
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
On multiple occasions I have asked the debt collector to send me the informations about the debt because I never received anything about this. I was made aware of this alleged debt when it showed up on my credit report. I called and asked them on two separate occasions ( first week of XXXX and again in XXXX ) to send me the bills, breakdowns, and all pertinent info in order to confirm the debt is mine. They have not sent anything, I put a dispute twice through the credit monitoring system and both times they said that the info was confirmed. How do they confirm the info with the credit reporting agencies and are as of yet to confirm the debt and Info with me directly?

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 2023-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America is charging me without my consent to various entities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had made all these payments with my balances that to date I had in my different accounts that I have with said entity The XXXX XXXX entity tells me that these payments were already made and on XX/XX/XXXX they disconnected my telephone lines and they tell me that I have balances for XXXX Bank of America tells me that I have balances with them XXXX I don't know what is happening with my accounts and my money that I had on the different dates that all these transactions were made this happened on the dates from XX/XX/2023 to XX/XX/2023 where the entities reported that they had problems with the balances of the majority of clients where we received messages that they are obtaining information without authorization from said entities there were news in various media where they said that the accounts Balances went up and down from Bank of America and they sent me that I was in negative balances when at no time did I have negative balances with them nor have I ever obtained them with the entity.

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 2023-01-29 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: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I deposited funds to my Coinbase account on XX/XX/XXXX and was promised that the funds would be available for exchange or withdrawal on XX/XX/XXXX. However, my account was later restricted due to suspicious activity and I was asked to provide ID verification. After doing so, Coinbase informed me that I had two accounts with them, one of which was my brother 's account with different first name and SSN however they verified and then lifted restrictions on my account. Despite this, my restrictions were lifted but my funds of {$12000.00} are still on hold. I have been informed that my account is under review and I have to wait until XX/XX/XXXX to access my funds. I have reported this issue through multiple case tickets, but have yet to receive a response. CASE ID : XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: KY

Complaint narrative:
In accordance with the XXXX XXXX XXXX act. The list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name 's & numbers : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also state 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 then seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2023-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
I was contacted by a debt collection company to pay a debt that I knew nothing about. The debt was in my name as I believe a lease agreement but I did not live there. the date it was sent to collections on XX/XX/XXXX however I recently purchased a home on XX/XX/XXXX and before that I lived at my mothers home. I told the collections company this was not my debt which then they questioned the validity of my response multiple time which led me to hang up multiple times. It was not until I saw the collections on my credit report where I took action. I called them back to tell them it was not me debt which they then sent me an email ( after a very rude phone conversation ) on actions to prove its not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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:
Its a attachment photo

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 2023-01-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The Company mailed me this Adverse Action Notice, stating that I asked for credit. I did not ask for extended credit of {$6000.00} of any kind, False information. I am also concerned about my history and under the 15 USC 1681a ( k ) Collections action and judgments, past credit history unfavorable charged-off

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 2023-01-29 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: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2023-01-29 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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: TX

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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