vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
Covington credit : constantly harassing me everyday sometimes 2 to 3 times a day. They told me awesome they can call me every 2 hours if they want. A couple days before she was saying she can call as many times as she want in a day.The calls started XX/XX/2032 and present time. On XX/XX/XXXX they called me twice, on XX/XX/XXXX they called me three times, on XX/XX/XXXX they called me two times, on XX/XX/XXXX which is today they called me two times and the time that I talked to her today she said they can call every 2 hours if they want. The other days that I have not mentioned they called one time sometimes they call five days a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
so I had a issue with Suncoast credit union making my XXXX XXXX balance negative when it was supposed to be my Suncoast credit union debit card that was supposed to have the negative balance of XXXX owed. I had resolved things with Suncoast to resend the repayment option to XXXX  on their behalf of their mess up. I am now fighting with XXXX XXXX because due to Suncoast messing up a filed dispute wrong transaction I ended up repaying the negative repayment balance off to XXXX XXXX until they properly sent XXXX XXXX the XXXX credit back. I have since been arguing with XXXX XXXX regarding what they could do because I assumed it was XXXX XXXX mess up with me paying them back. I ended up paying off XXXX XXXX {$700.00} dollars along with another {$290.00} to bring my account current ( off incoming deposits from my clients ) due to thats how I get paid. As I only have one XXXX XXXX there was no other way to stop the deposits. So it was already repaying all of XXXX XXXX back. After XXXX XXXX received the check from Suncoast it repaid the last ( XXXX ) owed so I was left with a balance of {$700.00} dollars. So not only was I jipped from Suncoast from my projected full XXXX credit but also a credit of what I paid of " repayment '' to XXXX XXXX. I lost a total of {$290.00}, PLUS a total of {$700.00} dollars that equal to XXXX all due to Suncoast disputing something that shouldn't have been filed in the first place that has now costed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
TBOM RETAIL or Genesis Credit/Jared is reporting this account TWICE on my XXXX credit report. The account appears twice, and is duplicated in reporting. Please remove the duplicated reporting on my XXXX report. 

I have tried to get this corrected with TBOM Retail, however they referred me to XXXX XXXX to have this resolved. 

I've attached how the account is reporting on my credit reporting ( showing duplicated on XXXX ) I have attached the communication with TBOB Retail / Bank of Missouri

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX still remains on my reports after being reported as a fraudulent account. XX/XX/2021 I filed an Identity Theft Report indicating this account was not mine. 

The Credit reporting bureau should remove any account reported to be fraudulent when an ID theft report has been filed in accordance with The Fair Debt Collection Practice Act. 

My ID theft report filed in XX/XX/2021 is hereby attached to this complaint.

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 2023-05-15 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-15 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: OK

Complaint narrative:
Equifax is reporting inaccurate inquiries on my credit report from companies I did not authorize to pull my credit report. Equifax refuse to remove inaccurate inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: TX

Complaint narrative:
I strongly implore you to take immediate action and eliminate these fraudulent accounts from my credit report without any delay. I want to emphasize that I did not authorize or initiate these accounts

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 2023-05-15 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: AZ

Complaint narrative:
I urge you to take immediate action to correct this mistake.

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 2023-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital has placed this account on my credit file for no reason. I dont have any dealing with this company. I will be filing a lawsuit against this fraudulent company and having them investigated. I never received any type of communication and they just placed this account on my credit file. I am requesting proof of ownership of this account within 10 days and if this account is not remove I will file a lawsuit. My demand is to have this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: U.S. BANCORP
State: FL

Complaint narrative:
In late XX/XX/XXXX my CD with US Bank ( XXXX ) came up for renewal. They offered 1.15 % APY for 59 months. I agreed since one of their representatives assured me that if rates went up, I could redo it at a higher rate for just a {$25.00} fee, NO other penalty. I thought this was unusual so I triple checked it with him. He assured me that was right. I keep detailed notes of such conversations, including this one. That was XX/XX/XXXX. When rates recently went up to over 4 % I contacted US Bank to convert it over to the higher rate. Now they've told me that there is a penalty of 3 % of the principal. Along with the {$25.00} fee that would be {$270.00}, which wouldn't make financial sense to do it. I asked them to look up a recording of the call in which I was definitely told it would be just a fee of {$25.00}. They wouldn't and said there was nothing that could be done. One of their reps did tell me that the original rep I spoke to in XX/XX/XXXX would've been on sales commission to get that renewal. I know US Bank has been fined before for pressuring employees for sales. I just want them to keep their word in what I was told -- convert the CD still with them for {$25.00}.

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 2023-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened an account with capital one on XX/XX/XXXX it a 360 savings account. It started out fine everything goes smoothly into the last part verifying my identity. For some reason mobile phone capture won't work for me at first. I could understand our protection is the top priority I argued so I been trying for about 30min and I kinda get a hang of it and finally got the system to accept the picture I submitted. 
But causes of too many attempts customerservice don't except by rules. So now I have to take off a day to visit one of the branches. I'm fine with that, I work 7 days a week and we low on staff but it ok only one day and for couple hours I'm cool with that so that day I went to the beach like as usual everything goes good but always at the end something have to go wrong for some reason the back of my ID doesn't qualify for the standard something I don't know. So that days wasted for nothing couldn't get anything done and wast of time and for the hold day all most got fired. 
So couple days later I give it another shot to see how it going to work out. Couple pictures went through and some have to retake but it went fast this time and only couple try way better than last time so I thought everything goes well causes the system accept the picture process approved and accepted. I thought I could get a break but no it right in front of me saying process accepted and approved but the customerservice she said it accepted at first but it didn't accepted on her end. What that suppose to mean, that when something pop up on our screen it could say something else on there end.??? 

So my account been restricted ever since I can't do nothing with my money the money that I deposited into the account for safekeeping now it soo safe that I couldn't even touch it... lol. My 360 saving account # ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I never gave consent to run my credit report and feel as though this is identity theft.

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 2023-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have made several calls to Transunion about being able to access my credit report and have not had any luck with them. I removed the fraud alert and block from my credit report and I am still unable to get a report or score. I have done everything that they have asked me to do and I still can not access anything from them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My rights have been violated by Experian due to their unwillingness to correct erroneous information on my credit report. I've contacted them in regards to this and they failed to investigate and modify or delete the incorrect information. They are in violation of the FCRA by their actions and by continuing to report without validating the 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 2023-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I was denied a bank account and noticed that early warning has all my bank information inaccurate with old account that is not mine bank account .I called and request a consumer credit report from them and my information within there date base is incorrect I wrote a dispute letter to early warning .I receive a email me back from early warning all account are reporting accurate. Early Warning have violated my consumers rights by having my information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 American Express Bank Serve Card froze my account with XXXX benefits directly deposited through American Express National Bank XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX There is no one at bank to contact. The service center at XXXX XXXX XXXX can only state that the account is frozen and under internal investigation. As of today it has been two weeks without the ability to use my ssi XXXX funds. The amount in account is one months worth of benefit 's. This has caused me problems with late fees, overdrafts, unpaid bills, lack of food and necessities of life. I had a XXXX headache first time three days ago and i am now having XXXX XXXX that make me XXXX. I am XXXX and this Unjust act by American Express National Bank, by freezing my account without notice or reason has made me XXXX XXXX XXXX XXXX. The XXXX is almost unbearable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: NC

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

The following account is paid in full : XXXX XXXX account XXXX The confirmation for the payoff payment is : XXXX The account balance information is being reported incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: The J. G. Wentworth Company
State: NY

Complaint narrative:
I sold a payment to jg Wentworth financial of XXXX dollars for a lump sum payment they are now claiming after signing contracts and getting all my information that the payment is now not available I was in contact with my original settlement people who have confirmed jg Wentworth has taken out the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: DC

Complaint narrative:
I was just notified of a debt collection that is not mine. The debt collection agency name is TRANSWORLD SYSTEMS INC and the amount owed is {$37000.00}. According to my XXXX credit report, the collection account was opened on XX/XX/XXXX. The original creditor is listed as XXXX XXXX. This looks to be an apartment complex in XXXX XXXX, Georgia ( XXXX XXXX XXXXXXXX ). I have never lived in Georgia. I live in Washington , DC and can provide my apartment lease and utility bills upon request. I have lived in the same apartment in DC since XX/XX/XXXX. This is now the FOURTH APARTMENT that has been rented in GA using my identity since XXXX. I am truly astonished that my identity is continuously being stolen by someone in Georgia despite the security freeze and fraud alert on my credit. I previously submitted a CFPB complaint in XX/XX/XXXX for two other fraudulent accounts/ collections ( complaint no. XXXX ). The XXXX XXXX XXXX XXXX collection ( XXXX XXXX in GA ) was confirmed as fraud in XX/XX/XXXX ; I received an official fraud confirmation letter. The XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, apartment in GA ) is still under review. I called XXXX today for an update as I completed and mailed XXXXXXXX XXXX Fraud Affidavit in XXXX and provided all requested supporting documentation ( current lease, 1.5 years of utility bills, copy of Driver 's License, etc ). XXXX received the packet in XXXX. It has been XXXX months and I have yet to hear back. I was provided an email address today and sent an email requesting a status update. My identity was first stolen in XXXX and used to rent an apartment in Georgia ( XXXX XXXX XXXX XXXX ). The debt was confirmed as fraud and cleared from my credit in XX/XX/XXXX ; I received an official fraud confirmation letter. Please let me know if any other information is needed. It is completely unacceptable that my identity is continuously being stolen and used to rent apartments/ open accounts in GA!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-15 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: KY

Complaint narrative:
Was not investigated properly all that was said was information was verified showed no proof of verification or validation they sent me nothing other than just saying it was validated. I have issued the disputes multiple times and the second and third time they just automatically declined the dispute on the following accounts XXXXXXXX XXXX accounXXXX XXXX XXXX XXXXXXXX for {$600.00} XXXX XXXX XXXX account # ending XXXX for {$460.00} They refuse to give me any information on the validation or any paperwork to prove their investigation. Just saying it's validated isn't an acceptable response. The accounts on my report literally showed no information about the account

Company response to consumer: Closed with explanation