vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 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: UT

Complaint narrative:
I XXXX XXXX XXXX XXXX HAVE CONTACTED EQUIFAX INC. CONSUMER INFORMATION AND HAVE DISPUTED THE SAME INQUIRIES FOR AN ENTIRE YEAR WITH NO RESULTS. 
I HAVE SENT DOCUMENTS THAT EQUIFAX INC. HAS INSTRUCTED ME TO SUBMIT OVER AND OVER AGAIN REVISING THE DOCUMENTS EVERY TIME.

I HAVE INFORMED EQUIFAX INC. 'S XXXX DEPARTMENT AND SPOKE TO AT LEAST 50 CONSUMER ASSISTANTS AT EQUIFAX INC. CONCERNING MY EQUIFAX INC. CONSUMER CREDIT REPORT INFORMING THEM THAT I AM A VICTIM OF THESE CREDIT INQUIRIES. SO NOW I AM TURNING TO THE LAW THAT IS ALLOWED BY THE ( FCRA ) AS WELL AS THE ( CFPB ). 
THE FRAUDULENT INQUIRIES ARE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
No matter how on time or how much I pay the payoff never changes, 4 years still owe the same amount they are holding my title and title loans i thought were illegal in NC please help my nightmare, im on XXXX and an being taken advantage of at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
Regarding Truist Bank. Account XXXX XXXX  Received a letter from from their recovery department dated XX/XX/XXXX. I received the letter via XXXX XX/XX/XXXX. The letter says I owe them {$52.00} including a {$30.00} charge off fee. I have called them XXXX XXXX XXXX XXXX  times XX/XX/XXXX and XX/XX/XXXX. Talked to representatives who couldnt tell me what the debt was regarding. They transferred me to their recovery department XXXX XXXX  ). Left messages both days because they said in a recording they were very busy and couldnt answer the phone. I left my name, account number given in the letter, my phone number. On XX/XX/XXXX, the message said they would return my call within XXXX hours. I havent received a call, now 2 days later. I said in the message left today, XX/XX/XXXX, I would be contacting your department. FYI, I checked XXXX Credit Bureau and saw nothing with the Truist name on an account. 

There is a payment invoice to be detached and returned with payment to : Truist 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 2023-01-11 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:
After making a payment on XXXX XXXX XXXXXXXX I have waited 2 weeks to see if my report was updated and the credit bureaus via XXXX XXXX is still not showing the recent payment recently applied to my student loan.

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 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I set up an interbank transfer of XXXX from my Citi account to my XXXX account on XX/XX/2023 and successfully cancelled the transfer on XX/XX/2023. However, Citi has been holding up the funds as an ACH Debit Pending ever since. I called Citi and the representative was not sure when the funds will be added back to my account. 

Transfer Reference Number : 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 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have american express rewards checking account. I scheduled an outgoing transfer from my american express rewards checking account to my ally savings account on XXXX XX/XX/2023. When i tried to confirm this transfer, American express customer service is clueless whether this transfer is happening or not? 
I told them multiple times but customer service of no help at the first place. On top of it, when i tried to cancel that transfer - I can't do that. 
Fundamentally American express is wrong that even a basic outgoing transfer is not happening. Then somebody called and talked to my spouse and making all sort of excuses like it depends on other institution. My spouse told that it was started from this american express so tell what is happening and they have no idea. 
This is the second time this is happening to me with this american express checking account. 
CFPB should not just act like mere mail forwarder and toothless agency. 

Ban American express from running any banking. They can only do credit cards and nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: NY

Complaint narrative:
According to credit Act 15 USC 1681B permissible purpose of consumer reports. This law states in general that unless a consumer reporting agency has your written instruction they are not to furnish anything to your report. I did not give consent which is written instructions an also credit Act15 USC 6802 obligation with respects to disclosure of personal information

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 2023-01-11 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: MN

Complaint narrative:
Experian the req notice of dispute was not entered with in 30 days of the completed investigation back in XX/XX/2022 factual base information was sent to you the account needs to be removed since you said youve updated it could you send me your method of verification and explain how can you go back and update the req notice of dispute from XXXX of 2022 when the law says with in 30 days of the very first dispute youre in violation of the FCRA Experian FCRA 623 ( a ) 3 could you also provide me a copy of what this Particular statute indicates with the method of verification I want you to explain it to me in your terms Remove the account Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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:
On [ XXXX ] I disputed two accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was informed with a letter dated [ XXXX ] that the items were deleted from my credit report. Now upon recently checking my credit report I have discovered that the items has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the items from my credit report in order to avoid legal action.

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 2023-01-11 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:
After making a payment on XXXX XXXX XXXXXXXX I have waited 2 weeks to see if my report was updated and the credit bureaus via XXXX XXXX is still not showing the recent payment recently applied to my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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:
After making a payment on XXXXXXXX XXXX XXXXXXXX I have waited 2 weeks to see if my report was updated and the credit bureaus via XXXX XXXX is still not showing the recent payment recently applied to my student loan.

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 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have been charged on numerous occasions for overdraft fees from my checking account, DESPITE the funds being available in an associated savings account, which i requested multiple times be used. I have also been charged overdrafts because of Wells Fargo delay in tracking purchases and deposits which creates the overdraft in the first place by providing inaccurate balances. 

This is not an exhaustive list, but dates and amounts include : XX/XX/XXXX {$190.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$8.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$84.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$68.00} XX/XX/XXXX {$4.00} XX/XX/XXXX {$92.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$72.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$37.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$5.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$45.00} I consistently reached out to support asking for this to stop and demonstrating adequate funds in my savings account at the time, but instead they chose to continuously steal money from me every time.

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 2023-01-11 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I tried explaining that the company gave out false information. I called XX/XX/XXXX ask my entire balance to pay to a XXXX balance. I paid the amount given. Later they added interest and fees resulting in a new balance i was not aware of. I thought my balance was XXXX as informed by the company so i did not have anything to pay. They reported my account 30 days late hurting my credit score XXXX points. I explained that the letter received in XXXX failed to mention any dates at all and a description of charges or what the new balance was. This is unfair to me because i would not know by when my account would be considered 30 days late. I ask them to remove the late on my credit due to wrong information provided to me by the bank and their employees.

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 2023-01-11 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have a checking account with Capital One online bank. I deposited a check for {$5000.00} on XX/XX/XXXX. The check was a XXXX gift from my father. Afterwards, my online account was frozen. I resolve this issue with the bank and was able to access my online account on XX/XX/XXXX. After which, I received a message that I need to call the bank about the status of my checking account and that funds were unavailable. They provided a number to call, which direct me to an answering machine. Ive left my number with them several times, but have not received a callback about the status of my account. On XX/XX/XXXX, I visited a Capital One XXXX in XXXX. A representative at the XXXX was able to put me in touch with someone from the bank via phone. The person told me my account had been closed and my money would be re-distributed at some point in the future. They did not tell me why my account was closed nor did they tell me when my money would be sent to me. I asked if they could call me back. They said they would contact me with more explanation but they have not done so. I have called them twice since Ive visited the XXXX, but Im redirected to the answering machine I was before. My money appears to be in the account when I look online, but Im not sure when it will be returned to me and have received no communication from the bank. This is deeply frustrating because my money is affectively being held hostage while I wait for the bank to send me a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-11 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX is a result of a fraudulent account that was opened using my information without my knowledge it appears that there are two separate accounts for a line of credit and a credit card totaling the amount of {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX is a result of a fraudulent account that was opened using my information without my knowledge it appears that there are two separate accounts for a line of credit and a credit card totaling the amount of {$5000.00}

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 explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC
State: CO

Complaint narrative:
Frequent repeated calls at odd hours using an auto dialer coming from many different locations... 

this is a debt from XXXX XXXX that i don't recognize and is most likely due to fraud... 

I've included Screen Shots of the latest 2 calls ... as you can see these calls come almost exclusively at odd hours intended to harass... 

XXXX lists the Company as : Company : RECEIVABLE MANAGEMENT SE Address : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

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 2023-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MN

Complaint narrative:
In the past XXXX we have moved into several different rental properties. Each time, we returned our cable internet equipment per the agreement. We noticed that the branch office where we were returning equipment was becoming increasingly defunct and disorganized, each time becoming more and more frustrated with their services. Each time we returned equipment, we were told that all we needed to do was leave it with the customer service employee at the front counter and every single time we did. 

Over the past XXXX years, XXXX XXXX has attempted to report a debt on my credit report to XXXX. The other credit reporting agencies will not accept their request because it clearly lacks sufficient basis in fact for reporting. Yet, XXXX repeatedly allows this vague report of my credit as a collection. XXXX has been repeatedly told and warned that the debt they are claiming has no basis in fact yet they continue to report the debt to my XXXX ( only ) credit. 

The collection agency has also been repeatedly warned and told that the debt is not legitimate. I do not owe them any money for any equipment or any services and any claim that I do based on the incompetence of their employees is absurd. If the equipment is lost, it was lost in their possession not mine. Consumers have no use for cable internet equipment after the service has discontinued.

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 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
XX/XX/2022 forced deposit at branch atm. This was stolen from me by the bank and was not resolved for 6 weeks. 
While this claim was being resolved, the banking institute closed my account from receiving my weekly paychecks. I called the customer service line when my employer told me my paycheck was rejected. The institute said thats standard while resolving the issue. Due to this all my bill pay auto drafts were rejected and my family has suffered due to this. It took me about a week to switch all my bill pays over to my new account, I attempted to pay back the overdrafts at the bank this happened with and they rejected my payment to them. 
I had to go get another checking account in the meantime, so I could get my paycheck, to live on. 
Refund was sent to the bank on XX/XX/2022 and was accepted by this bank. 
Once the issue was resolved a refund was issued to the banking institute that they are refusing to accept or return due to my account being closed. I have been dealing with this since XX/XX/2022 and I have spent hours on the phone, with the place that refunded the money ( the bank accepted the refund ), I have proof that they did, I have spent hours on the phone with bank customer service ( with a different story every time I call ), but no resolution. The bank has {$900.00} of my money they are refusing to give to me. I have RRN tracking numbers to prove the bank has my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11 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: PA

Complaint narrative:
I tried explaining that the company gave out false information. I called XX/XX/XXXX ask my entire balance to pay to a XXXX balance. I paid the amount given. Later they added interest and fees resulting in a new balance i was not aware of. I thought my balance was XXXX as informed by the company so i did not have anything to pay. They reported my account 30 days late hurting my credit score XXXX points. I explained that the letter received in XXXX failed to mention any dates at all and a description of charges or what the new balance was. This is unfair to me because i would not know by when my account would be considered 30 days late. I ask them to remove the late on my credit due to wrong information provided to me by the bank and their employees.

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