vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
Payment came due, while working out of town. My friend tried to pay the next day but they wouldn't allow her to. I called and they said I had to make the payment in person bc I was a day late. I told them the kind of work I do I will be gone for a while. They told me they couldn't help me. So after a couple days go by, someone calls me and say I can pay by the customer portal. I have been trying and it keeps giving me a network error. I have reached out to them several times and my assistant, bc I use my truck for my business. Now I have extra fees added to my account when I made multiple attempts to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was the victim of identity theft in early 2023. I flagged this very quickly with all of the credit reporting services. I signed up for intensive monitoring with XXXX in early XXXX. On XX/XX/2023, I got an email from XXXX which said that XXXX had reported a new account. After checking with XXXX, I found that it was an XXXX XXXX. I called and was transferred to XXXX who looked up the account using my SSN. I had been added as an additional user to another card ; the address used was in XXXX and didn't match any of mine in the file. They did not review the credit report ( and thus didn't see the fraud alert ) as they don't do that when someone is added as an additional user. After consulting his supervisor, he was told to treat it as card fraud and block the account. I put in an dispute with XXXX. On XX/XX/2023, this showed up on the Equifax credit report as well, and I filed a dispute with Equifax. On XX/XX/2023, Equifax said that the account was valid. On XX/XX/2023, I called XXXX XXXX and spoke to XXXX and explained the past situation. She confirmed that hte account she pulled up ended in XXXX ( which was what was shown on the Equifax report. She tried to open a credit bureau dispute from her side but got an error when she tried and sent me to a supervisor. XXXX checked and said that the investigation was completed last month and it would correct itself the next week when they report new data to the credit bureaus. She said that they report on the XXXX week of the month. She said that it had been escalated and I should call in XXXX if the information hadn't been removed from the report. 
On XX/XX/XXXX, I checked the Equifax report and it showed as closed but with late payments. There was no comment to indicate that it was not my responsibility ( as they had stated on my initial call in XXXX ). On XX/XX/XXXX, I pulled the Equifax report and saw the information was still there. On XX/XX/XXXX, I called and spoke to XXXX and explained the situation. She sent me to a supervisor XXXX XXXX XXXX who said that he would transfer the case to the fraud department as a complaint but it would be resolved in 30 days. I explained that this was their last shot to fix it - after that, I was going to CFPB. 
The credit report I pulled today ( XX/XX/XXXX ) shows that the incorrect information is still there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm in the process of trying to buy a house and realized I had damages on my credit report. I mailed out letters to the credit bureau due to inaccurate information being reported to my credit report. According to 15 U.S.Code 1681 there should not be any damages on my report as its defamation of my character.

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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
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

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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AR

Complaint narrative:
I started contacting Nelnet and XXXX XXXX XXXX back in XXXX, when I received my first letter from Nelnet. I initially noticed they had my balance incorrect, so I was able to call and speak with an agent. We discussed the matter, and we sat on hold for XXXX minutes why she escalated the call. Eventually she said they need to futher investigate and would be in touch. She also recommended I contact student aid about the matter. I did both and have received no further information nor has it been correct. meanwhile you cant even talk to an agent now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted Equifax to rectify these inaccuracies, but they seem to not want to respect my rights as a consumer as I demanded they be DELETED immediately due to the fact that I didn't recognize them and they are causing distress in my daily life. I have reviewed my credit report and have confirmed that I did not initiate these inquiries nor have I given consent for any institution or individual to access my credit information on the mentioned dates. These unauthorized inquiries have raised serious concerns regarding the security and accuracy of my credit report. The inquiries in question are as follows : XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened Bank of America XXXX XXXX Banking checking account few days back. It end in XXXX. There was suppose to be an opening deposit of {$25.00} to open this account which i tried to deposit but it failed.Later I got one mail from Bank of America that they couldn't do that deposit transaction due to the fact some report from XXXX XXXX XXXX. No where in this letter Bank of America stated how to contact XXXX XXXX XXXX except a phone # where nobody was available during the regular business hours also. Somehow I sent the request to get my consumer report to XXXX XXXX XXXX. 

But I was able to transfer money from my XXXX account to this Bank of America XXXX XXXX Banking checking account. How come that is possible if Bank of America is deciding their decisions based on XXXX XXXX XXXX 

Something really going wrong in XXXX XXXX XXXX as well as Bank of America

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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions. 
I have been trying many times to get results on my disputes. I have asked many times for contract, proof and that I signed some agreement which I have not. This has been going on long enough. I never signed a contract with the collection agency. After the investigation they never sent me proof that it was validated. They keep validating before anything can be investigated. And when it has been deleted, they reinstate the collection without even a 15-day notice. They keep violating all the laws and my civil rights to discriminate. It seems like all they can do is just put somebody down with false information to make more money for the subprime market. And also, I think they discriminate because my zip code. I sent an affidavit explaining how they keep violating my rights and I wish this to be corrected with the deletion of all those collection accounts and or charge-offs. The signed affidavit that I'm sending is to you explain how they keep violating my rights. Also, I sent what they sent me after what I sent them. After their investigation which was not completed properly or investigated properly, no proof of contract or signature was ever provided.

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 2023-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I received a pass due bill for XXXX with citi Bank XXXX XXXX. I have no knowledge of this account and gave nobody permission to open an 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 non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I typing this right now in disbelief how Experian, XXXX, and XXXX treating their consumers. I was using credit for some years now because I didn't want debt. Me learning understanding that American is built off credit, I wanted to start a business to get funding but found out I'm a victim of identity thief. 


I Mailed letters, file a FTC report and many CFPB reports stated what I need changed/Removed from my credit report. All late payments is wrong on my credit report and I want changed ( to paid as agreed ). Collections Accounts should not be on my credit report. I'm demanding a proof of verification that the info in my report is vaild. 

FTC REPORT NUMBER- XXXX if not vailed, I want it changed/removed to what the letters states for the 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 explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OK

Complaint narrative:
I am trying to reach them to discuss my loans because the balance doesnt make sense. I also submitted a three month forbearance. I have called, requested call backs, waited on hold for hours, sent them messages, chat bots, etc, no return messages at all. I have never spoke to someone and idk what to do about my loan payment. I have worked on my credit score for 6 years and now I might end up with a late payment because they wont respond to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One has fail to obey the law of the money order and check cashing system which have continued to place inaccurate information on credit report and unlawful amount balance. On XX/XX/2023 there was a check cash by Capital One that clearly states ( Endorsement Of This Check Is Accepted As Paid in Full On This Account and another money order sent XXXX XXXX for account ending in XXXX therefore Capital One should have written on credit report ( Paid In Full and not Settled ). Capital One has agreed to settled the debt upon cashing both instruments of payment and a binding contract to accept ( Paid In Full and not Settled on credit report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 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 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 XXXXHas violated my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
They XXXX XXXX XXXX AM in a Saturday morning calling from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I contacted this company letting them know I did not know of this debt or its original collector, I asked them to send me documents that supported the debt that I am not aware of, they continue to report this debt after not sending the documents I asked them to send. This is not my debt and I informed them I was filing a report for 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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Somebody has all my personal information and he keeps unlocking my credit file after I told XXXX 3 days ago to put an EXTENDED fraud alert on my file for 7 years. They are also monitoring all my communications phone, internet, mail. Everything. I have XXXX privacy. After I asked for help with a credit card my bank calls me closed my account and takes my debit card. It has always been this way. My small business are being used by someone else and my credit is being used by someone else to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-10-28 00:00:00
Product: Credit reporting 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
My employer deposited my funds into my chime account on XX/XX/2023 of XXXX and chime still have not released my funds, every time I talk with them they give me the run around. This isnt fair I been with the bank a long time.

Company response to consumer: Closed with explanation