vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Coradius International LLC
State: CA

Complaint narrative:
XX/XX/2022 XXXX XXXXl debt XXXX XXXX XXXX debt XXXX This was added to my XXXX XXXX has sold this debt to many creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I applied for a HELOC on XX/XX/XXXX. Due to the size of my property i was informed i would have to pay for an appraisal. Penfed sent me a link that randomly selected a company. I paid {$580.00} to XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX came out to perform the appraisal. We received the appraisal report on XX/XX/2022. I immediately contacted Penfed and stated DISCRIMINATION and the lady 's report had erroneous statements and values to under value our property in addition to quoting the Fair Housing Act. Penfed sent me a Reconsideration of Valuation ( ROV ) to complete with properties we felt were more comparable. I was informed ROV was sent to the Penfed appraisal team who then sent it back to the same company, XXXX XXXX XXXX. I then stated again that I stated DISCRIMINATION. Penfed then stated they will send it to another company. This other company came back with the same value. This was another red flag. For example, appraisal report stated, " The appraisers calculations use lot sales in the past 24 months ranging from $ XXXX - $ XXXX, which is an error and valued our home at $ XXXX times XXXX acres = $ XXXX ''. However, a lot XXXX acres sold for $ XXXX XX/XX/2022. This property is 0.5 miles from my home. This is why i requested a meeting with the Penfed appraisal team to discuss the following : 1. What properties were used in comparison? I would the percentage provided as well.

2. Were any of the properties used in the ROV? If not, I would like a detailed explanation.

3. What second company was used for the appraisal?

I have not heard anything back from Penfed.i also requested my {$580.00} back from Penfed since they were the ones who introduced a XXXX to provide a valuation on my home. There business practices are flawed and need to be corrected immediately. My paperwork for the Heloc is still not complete.

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 2022-08-18 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: KY

Complaint narrative:
Sometime in XXXX or XX/XX/2022 a fraudulent change of address was submitted to the post office in my name, XXXX XXXX. We realized this when we received a XXXX  verification in the mail. 

We had the XXXX stopped but not before several applications for credit were made in my name. At least one account was opened for a XXXX XXXX Bank. We have been working with the bank to get this account closed- talked to them on phone and have submitted an affidavit regarding fraud. 

However, at this time the fraudulent card is still active and on my credit report. Experian refuses to remove this account from my credit history.

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 2022-08-18 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-18 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
On XX/XX/2022 I added some items for sale on XXXX market for a sale amount of {$350.00}. XXXX sends a message of interest of the item, I told him sure its available. He added that he will be sending me the amount asked for the item through Zelle and what was my email. I have Zelle through my bank account XXXX. When he tried to send the money, he gets a message that he cant because my email count is not active in Zelle. Me not thinking anything about it, I go to my XXXX account to verify if Zelle has all my information. I turns out that my email was not registered, only my number. So I added my email. He then process to tell me that he has send the XXXX but Zelle sends him and I a notice with the following " Unfortunately, we encountered a little problem while crediting your account with {$350.00} today because this amount seems to be above your balance limit ''. When I received this message I let the prospective buyer know that the money was not released. A new Zelle message came into my inbox stating that additional funds had been added to my account with a total {$600.00}. He message and told me for the funds to be release that I have to send the Zelle representative {$250.00}. I received an email from Zelle with the " representatives email '' title " we await verification payment screenshot. With this information I proceeded to transfer the funds through my bank. Zelle will not reimburse XXXX based on there fraud and scan policies, for that reason XXXX will not return the money to me. I believe Zelle does not protect their consumers from these scams and frauds. Zelle should make a better effort in protecting it customers from the scammers and change their policy or just close as a company that is providing a service that will not help their customer when scammed. They should do a better job or should be banned /closed for offering services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
My primary complaint is the non-payment of the mony that was supposed to be fefunded to me in regards to my paying-off my vehicle loan with Toyota Financials ( TF ) here in AZ, telephone : XXXX through XXXX XXXX ( tel # : XXXX XXXX " XXXX ''. 

My loan account # with TF : XXXX | XXXX XXXX. Transaction History file attached. 

My successful call to the above # was on XX/XX/XXXX, where I was assured through the phone that I will be receiving any refund due to me resulting from this loan-payoff transaction including the automatic deduction TF debited from my bank after they already receive the loan-payoff check from XXXX XXXX. 

The customer representative I spoke to from TF was named XXXX who gave me the reference # for this call as follows : XXXX. XXXX assured me that I will be receiving by mail any overpayment amount made to TF or I will be getting a call from their office if more clarifications are made with any other issues about my claim. 

I have been calling and leaving messages with TF 's phone # above and until now I have not heard back from them nor received any snail-mail sent to me from TF. 

The amount credited to my loan-payoff with Toyata Financial was {$20000.00} out of the supposedly {$21000.00} that XXXX  XXXX sent the check to Toyota Financial that amount of which was charged to my current loan for the same car. 

Hoping that I could find resolution in this regard from your good office. I have other issues too that I want to share in another complaint surrounding the 'sneaky " process of my getting this car loan that I thought I was getting from XXXX XXXX XXXX that I thought was only being administratively processed by XXXX  XXXX Toyota that made me lose some extended manufacturer 's warranties that I thought I was getting when I took this loan thru XXXX  XXXX Toyota XXXX 

Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: TN

Complaint narrative:
I opened a new checking account with US Bank in XXXX of 2022. I have been an existing checking account holder for 15 years. I received a promotional email to open a new checking account, set up direct deposit and receive a certain amount back {$200.00} or {$400.00} depending on the amount of direct deposits within the 90 days. I called to verify before opening the account that was eligible since I already had a checking account. I opened the account. Met all requirements. I called XX/XX/XXXX to verify. Spoke with 2 different agents and was told I met all requirements and the promotional cash back should be in my account within 3 to 5 business days. I opened a chat this morning and was told I was not eligible because I already had an account open. I asked why I received the promotional email in the first place. No answer. I explained that I had verified before opening the account. No response. The agent I spoke with had no recourse on anything that I could do. This is unacceptable and I believe they wanted another open account to charge monthly fees. The misinformation is also not acceptable because I should be able to trust what any representative tells me, especially for the institution that handles all of my income.

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 2022-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I want the late payments removed from my credit report. I was effected by covid 19 I've filed several disputes. Gm financial denies it. I also want to pay off the loan for a lower amount. This company XXXX and I'm tired of being threatened by your reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: Early Warning Services, LLC
State: FL

Complaint narrative:
After review of my consumer report with XXXX XXXX I determined inaccurate negative data on my report containing XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account # : XXXX Bank Routing # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: IA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Department of Education 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

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 2022-08-18 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
They Continue to email, send letters and make phone calls. I paid off the original credit card company ( XXXX XXXX Bank ) back in XXXX of 2021 right before they bough the debt. since then, they have been fraudulently and wrongfully reporting this debt on all three credit bureaus and have failed to provide any kind of evidence of the debt. I have been asking for evidence or verification of the debt for a year now, with no response and now they are threating to re-sell this invalid debt to another collection agency and further harm my credit rating as a result.

Company response to consumer: Closed with explanation