vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-03 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: GA

Complaint narrative:
On XX/XX/2023, I wrote and mailed certified letters to XXXX XXXX XXXX for Account XXXX amount {$710.00} and account number XXXX amount {$7900.00} requesting verification of debt. XXXX XXXX XXXX. never sent me debt verification within 30 days. Around XX/XX/2023, I disputed the above debts with Equifax, XXXX, and XXXX, giving them proof of my certified letters ( XXXX and XXXX ) and proof of receipt of the certified letter by XXXX XXXX, XXXX. After completion of the disputes, the above inaccurate debts still remain on my credit reports which is causing an interference in me obtaining a mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This is ILLEGAL. I'm asking that all accounts be permanently deleted from my credit report. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing inaccuracies on all of these accounts. Multiple laws have been broken a few are listed below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i. Because of all of these additional infractions I request permanent deletion of all of the listed 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 2023-06-03 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This is ILLEGAL. I'm asking that all accounts be permanently deleted from my credit report. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing inaccuracies on all of these accounts. Multiple laws have been broken a few are listed below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i. Because of all of these additional infractions I request permanent deletion of all of the listed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: MA

Complaint narrative:
I applied for a loan and did not see the terms when I applied and signed electronically and did not realize the company was a predatory lender. I borrowed {$1500.00} and when they continued to withdraw money to the amount of {$2600.00}, far beyond what I had borrowed, I called the company and was told the interest is 730 % and the interest on the loan is {$6500.00} and still owed {$5300.00}. I thought this kind of predatory lending was against the law. After finally receiving the terms it states the lender is a XXXX XXXX  and doesn't have to adhere to Federal laws. 
I can't imagine it is legal for XXXX XXXX  to do this. What is my recourse? 

The Date of the loan : XX/XX/23 Applied for loan Loan amount : {$1500.00} Interest rate : 730 % Total Interest : {$6500.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
I received an alert on my credit on XXXX XXXX by a company called XXXX XXXX management on behalf of XXXX XXXX XXXX I called & spoke with them & explained that my wallet had been stolen back in XXXX & that I did have an account with XXXXe that I had did a settlement for {$1200.00} & they asked me to mail proof & I did & the charge was deleted. Then on XX/XX/XXXX another company called XXXX XXXX XXXX on behalf of XXXX XXXX XXXX reported the same {$700.00} again. Ive been a victim of identity theft. If you check my credit report, you will see the charge was deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: GA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from 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 2023-06-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XXXX I made a payment for {$200.00} with US Bank. The agent that I made the payment with led me to believe that that it also covered payment due for XX/XX/2023 and the next payment due was for XX/XX/2023. However, when I called today, I was informed the account was 30 days past due. I will be making a payment to bring the account current on Monday XX/XX/2023.

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 2023-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK
State: MO

Complaint narrative:
I have been a First Horizon ( formerly XXXX XXXX  ) banking customer ( as XXXX XXXX ) in XXXX, TN since XXXX. I have remarried and moved out of state the last two years. This was no longer my primary account and I rarely examined it and trusted ( after XXXX years ) this bank. I discovered on a few occasions unauthorized transactions from XX/XX/XXXX - XX/XX/XXXX that totaled {$59000.00}. Primarily, from XXXX XXXX XXXX and XXXX  XXXX ( I never had accounts with either ) and XXXX  XXXX and XXXX  XXXX XXXX ( which I do have accounts- but the withdrawals/transactions were duplicates and excessive and not ones I made and not to my accounts ( I have proof of that ). First Horizon states I did not report this in time and/or in the right way although I made them aware on several occasions yet they continued to allow these unauthorized transactions. Since reporting in XXXX XXXX  XXXX, they said they couldn't help me, yet after many complaints, ~ {$25000.00} has been returned - recently - which proves that they have discovered these were not my transactions. I need First Horizon, which should have guaranteed my account, to make me whole and refund the remaining fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I deposited my payroll check in the amount of {$500.00} which at first I thought it wasn't accepted because I was denied access online to my checking account that I had recently opened online so I cashed the check at a local store nextdoor to my employer after receiving a email stating my checking account was being closed for unknown reasons with in 60 days then my employer contacted me stating the store was going to the police luckily my employer XX/XX/XXXX out of and they showed that the check had already been cashed so I reimbursed the store {$500.00}. And was able to keep my job after showing them the emails citigold bank sent me my boss showed me where citigold bank received the funds I contacted Citi Gold bank they was able to explain why I was denied access to the funds other than I supposedly violated the terms and my money would be mailed to me after 60 days 60 days went by I contacted the bank again and I still have not received my funds I don't understand how they can cash the check and immediately blocked my access to the funds because the check is real and they received funds from my employers bank I almost went to XX/XX/XXXXand almost lost my job and still have not received my funds from my paycheck for working 40 hours for my employer I've contacted the bank multiple times with no corporation towards me obtaining my funds I earned I don't know how they can do this legally

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 2023-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TRANSUNION LLC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 

The reporting of inaccurate information by the above companies has affected my character, my reputation, livelihood, and ability to obtain credit and a house. 

These companies have affected my livelihood and knowingly continue to break all the ( FCRA ) laws that are put in place to protect the consumers. 

These agencies have removed the below accounts once I make a complaint with the Consumer Financial Protection Bureau then they will RE- ADD the same accounts that were deleted after they feel the investigation with the Consumer Financial Protection Bureau XXXX done or closed. 

They continue to SEND ME MAILED LETTERS SAYING THAT THE FURNISHERS HAVE VERIFIED THAT THESE DEBT ACCOUNTS BELONG TO ME, THAT IS NOT ( ACCURACY, COMPLETENESS, & VERIFICATION ). 

The below accounts continue to violate my rights in Pursuant to section 611 ( a ) Of The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1982 ), to conduct a reasonable reinvestigation of information on a consumers credit report alleged by the consumer to be inaccurate.

1. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
In XX/XX/2021 I went to XXXX XXXX XXXX room. They conducted certain tests. I subsequently received a bill for {$3900.00}. In reviewing the bill, I saw that I was charged twice for the same test ( the duplicate charge was {$610.00} ). I was at the ER for just over an hour, and knew that they hadn't performed the same test twice. I contacted XXXX XXXX to inform them of the double billing. I was given the run around -- telling me they would get back to me. When they finally got back to me the answer was that the test must of been done twice, as they never make mistakes on billings. 
They kept calling me for the full payment including the double billed amount. I finally decided I would offer to pay the bill minus the double billed amount of {$610.00}. I wrote a letter to XXXX XXXX explaining the situation and sent my check for {$3300.00}, and advised them that if this wasn't acceptable they were not authorized to cash my check. I even noted on the reverse of the check this was in full payment. XXXX XXXX accepted my check for {$3300.00}. I am now being harassed by a collection agency claiming {$610.00}.

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 2023-06-03 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My identity was stolen. See attached.

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 2023-06-03 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: CA

Complaint narrative:
XXXX XXXX is reporting an account that they claim was sent to them for XXXX. The verification they sent me shows a final bill in XXXX. This bill is beyond the statue of limitations to be collected on and should not be reporting to my credit report anymore. I have filed a claim with FTC and have sought legal help. Credit reporting agency also has not sought proper verification for this dispute.

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 2023-06-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
According to the account on XXXX XXXX XXXX XXXX was deleted XX/XX/XXXX, but remains on XXXX and Equifax. Also XXXX XXXX was closed off the XXXX on XX/XX/XXXX, but still remains on Equifax and XXXX. After it was removed on the XXXX they added it back to all XXXX accounts even after investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANKMOBILE TECHNOLOGIES, INC
State: CO

Complaint narrative:
On Friday XX/XX/XXXX, XXXX XXXX XXXX that is powered or run by customers Bank decided to close my account when I stood up for myself on why it is taking more than 4 days to receive a deposit. Now that my account is closed I have {$350.00} in there that I have no control over. And they won't send me my money. I can not contact them. I tried to call and it doesn't go through. I tried to send messages to get an answer on when I will be receiving my money and it does not go through either. Basically they will not talk to me and a money is just sitting in an account that's closed that I have no control over I can't move it I can't touch it I can't use it. I am currently out of work because a company went out of business I haven't received a paycheck in 2 months that {$350.00} is all the money I have in the world I'm a veteran and a father and this is uncalled for and unnecessary. They are basically just stealing my money and putting it right in front of me and no one cares.

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 2023-06-03 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: MN

Complaint narrative:
Inquiry from XXXXXXXX XXXX XXXXXX/XX/2023 Inquiry from XXXX Bank XX/XX/2023 Inquiry from XXXX XXXX XX/XX/XXXX Inquiry from XXXX Bank XX/XX/2023 Inquiry from XXXX XXXX XXXXXX/XX/XXXX These are all inquiries I have no knowledge of and did not make. Please help me to remove from 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 2023-06-03 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: MD

Complaint narrative:
I paid off and closed my personal line of credit with XXXX XXXXXXXX XXXX XXXX XXXX. But on my credit report it is showing there is a balance with Transunion, XXXX, and XXXX. I file a dispute with all credit reporting agencies but it wasn't resolved. I attached a copy of my receipt showing the balance was paid in full.

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 2023-06-03 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: MD

Complaint narrative:
I paid off and closed my personal line of credit with XXXX XXXXXXXX XXXX XXXX XXXX. But on my credit report it is showing there is a balance with XXXX, Equifax, and XXXX. I file a dispute with all credit reporting agencies but it wasn't resolved. I attached a copy of my receipt showing the balance was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: MD

Complaint narrative:
I paid off and closed my personal line of credit with XXXX  XXXX XXXX XXXX XXXX. But on my credit report it is showing there is a balance with XXXX, XXXX, and Experian. I file a dispute with all credit reporting agencies but it wasn't resolved. I attached a copy of my receipt showing the balance was paid in full.

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 2023-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Although I never had a Barkley/XXXX credit card, they implied I had, and sent unsolicited convenient checks. I used two of the three and paid Barkley the amount I had used on the checks. However, they are charging me {$20.00} for using each card, and now late fees. Please tell them, I never dreamt they would charge for use of the checks. Therefore, I am not paying the $ XXXX + late charges. Please tell them to stop bothering me.

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 2023-06-03 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: PA

Complaint narrative:
I sent my Notarized FTC Report, PA license, 15 USC 1681c-2 by certified mail to XXXX, XXXX, and Transunion. I am a victim of 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 non-monetary relief