vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: Certegy Holdings, LLC
State: UT

Complaint narrative:
I purchased a money order in the amount of XXXX at a XXXX XXXX XXXX in XXXX XXXX Utah on the XXXX of XXXX needing to make my rental payment in this amount by the XXXX with the holidays they were closed until today being the XXXX to avoid late fees I loaded my prepaid card and paid the balance there at the same time I loaded my card being the XXXX of XXXX once I seen the transaction using my card went through asked if I could cash out the money order they stated I had to wait XXXX hours from time of purchase today the XXXX being well past the time needed went to cash the money order I purchased at the same location with receipt in hand of the money order purchase was told it was declined based off certagy when calling the number said all decisions are final I'll be damned if I paid XXXX dollars have the receipt in hand and can't get my money back I didn't write on the check other then what I was told by the store clerk this evening it was not altered in anyway and I have all needed proof of purchase. Why did it get declined? It's never stated anywhere this is a possibility

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 2022-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV funding has been trying to collect money from me on an account they do not own. It has been over XXXX plus days and I have not received any information from them or any validation showing me a contract between me and them or any wet signature. Please provide that signature or contract between us, if not, remove this information from my consumer report. I also never gave consent or any permission to Lvnv funding to report any false misleading information on my consumer report, this is definitely a violation of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XX/XX/2021 Received junk mail from Wells Fargo Bank, N.A. ( 114 ) XXXX XXXX XXXX XXXX, OR XXXX Inside a fraudulent bank statement in my name from Wells Fargo Bank Page 1 , Everyday Checking account. dated XXXX XXXX Page 1, The statement included an assigned account number XXXXXXXXXX Page 1, Assigned to me : My Name Page 1, Stating for direct deposit use : routing number ( RTN ) XXXXXXXXX Page 1, Statement period activity summery Page 2, Overdraft protection statement Page 2, Important account information Page3, Worksheet to balance your account

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 2022-01-04 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: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: Verisk Analytics Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, A certified letter was mailed to XXXX Credit Reporting Agency. Providing proof that 3 Public Records that are being reported on my credit report didnt belong to me. The reporting agency XXXX XXXX that XXXX used in the past several years. Complete their investigation after being contacted by me and removed all 3 Bankruptcy from their database. XXXX was also notified by XXXX XXXX requesting deletion of inaccurate reporting in results to their errors. XXXX XXXX is the Original Reporting Agency who I was advised to contact. I was informed from a Supervisor with XXXX even after verifying they received the certified letter. That my credit report will remain unchanged because they now use a different agency XXXX XXXX XXXX whom advise them the XXXX public records is accurate and needs to remain on my report. The Bankruptcy should have never been reported to my credit report. XXXX refuses to delete all 3 XXXX XXXX even after receiving documentation from a previous agency theyve used. According to the Federal Credit Reporting Act. Failure to correct and delete inaccurate information after receiving documentation from the Original Credit Reporting Agency and Consumer. Is a violation. Im requesting deletion of all 3 Bankruptcy Public Records dates ( 2 ) XXXX and XXXX files in the state of GA from my XXXX Credit Report. Final step will be to contact Georgia Attorney General Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 non-monetary relief
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I made a payment on my Indigo credit card on XX/XX/XXXX. The company policy is that it takes up to 14 days after payment is received by ACH debit to verify good funds. This policy is ridiculous because it does not take more than 7 days after payment to verify an ACH debit. Nonetheless, the company refuses to release available funds on the XXXX day after they received payment which is XX/XX/XXXX. They will not release the funds until XX/XX/XXXX which is the XXXX day. The company falsely tells customers that they will place a hold of up to 14 days on the account before releasing funds but they are lying to customers because they actually take 15 days. I resent the fact that this company first of all has this outrageous policy of waiting 14 days to release available credit which is completely unnecessary and then lies to customers about the hold time when they actually have to wait 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 non-monetary relief
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 2022-01-04 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: MI

Complaint narrative:
I am the the consumer and a natural person. Consumer reporting agencies are violating my rights according to the FDCPA and FCRA. They are not reporting an accurate report. Reporting false and misleading information. Ruining my reputation. Stopping me from doing business with other companies. The consumer reporting agencies are still showing accounts on my consumer report that have been deleted.

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 2022-01-04 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: MI

Complaint narrative:
I am the the consumer and a natural person. Consumer reporting agencies are violating my rights according to the FDCPA and FCRA. They are not reporting an accurate report. Reporting false and misleading information. Ruining my reputation. Stopping me from doing business with other companies. The consumer reporting agencies are still showing accounts on my consumer report that have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: NM

Complaint narrative:
XX/XX/2022 ; AXOS BANK RECEIVED MY SSA BENEFITS DIRECT DEPOSIT AND ARE REFUSING TO PROCESS IT. sOCIAL sECURITY AND THE TREASURY DEPT CONFIRMED THE BENEFITS PAYMENT WAS INDEED SENT TO AXOS BANK ON THE ABOVE DATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: PA

Complaint narrative:
I initially submitted this complaint on XX/XX/2021, case # XXXX. The response from Discover was inadequate and did not address any of my concerns so I am resubmitting it. 

I signed up for automatic payments with my private loan servicer, Discover. During this process, I was able to make an " extra '' payment and was given the option of applying any extra payments to either the " principal balance '' or to the next month 's payment. I chose to apply extra payments to the principal, and have been making an extra {$50.00} each month for at least the last year. When I reviewed my statements for the past 4-5 months I noticed that all of my additional payments are being applied to " interest '' and not the principle balance as I request. 

Discover stated that " This payment and subsequent automatic payments, including any additional payments, have been applied to the principal and interest owing on your loan, in accordance with the payment hierarchy provided when you enrolled in automatic payments for the Minimum Payment Due plus the additional amount. You were informed that payments would be applied first to late fees ( if applicable ), then to the Minimum Payment Due amount and that the additional amount you designated would be applied to your highest interest rate loan in repayment ( or to the higher balance for loans with the same rate ). The additional {$50.00} monthly payment is being applied to your loan ending in 20 as this is the loan with the highest interest rate. '' Their own response does not make sense and they do not provide any evidence or support for their assertions. For example, it says that extra payments will first be applied to the Minimum Amount Due. However, this is a payment that is, in addition to, the Minimum Amount Due. So by their own description, the full {$50.00} extra payment should be being applied to the principal balance of the loan with the highest interest rate. Second, Discover 's response does not contain any evidence of how the extra payment was applied to " principal and interest ''. They say it went to both, but in fact, they are just applying the extra payment to the interest. This is not only counter to my clear instructions but also has the effect of extending the length of the loan period and unjustly enriching Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NE

Complaint narrative:
National credit systems contacted me about {$900.00} debt. This was claimed to be owed to an apartment I moved out of on XXXX XX/XX/2020 The first time I ever learnt of this debt was when my credit score was going down late 2020 and eventually saw it was an entry by XXXX XXXX. 
Now National credit systems have put the same debt on my credit reports as XXXX XXXX after the debt was deleted. 
I wrote XXXX XXXX and I did not get any response. 
I wrote then to you, CFBP reference number is XXXX. 
You could not contact them either.XXXX and XXXX eventually deleted the entry. However National credit union has put it on all 3 credit bureaus. I disputed the charges. They claim I moved out on XXXX, I how ever moved on the XXXX. I did not get any communication from this apartment even after I saw the derogatory input on my credit report. 
If a landlord does not contact me after 30 days of moving out, I dont see how I am responsible and the charges are even frivolous. 
The notice sent by National credit systems says they will send the debt to collections in 15 days, however it is about 18 months later. 
This is just crazy that a collections agency is allowed to post what they want on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 non-monetary relief
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on 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 non-monetary relief
Consumer complaint received 2022-01-04 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation