vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have inquiries on my credit report that dont belong to me. I sent a police report to the bureaus, but nothing has been removed XXXX inquiries Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-22 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: LA

Complaint narrative:
I have inquiries on my credit report that dont belong to me. I sent a police report to the bureaus, but nothing has been removed XXXX inquiries Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Card had 0 balance and I was just going to cancel it but I didnt and I pay the fee of XXXX and they said it was late and sent a negative report to the credit bureau over {$1.00} so then I used the card and bought airline tickets, meanwhile they sent another negative report again, I spoke to several people over the phone about this to no avail, so I paid off the card and closed the account. I work hard to keep my credit score in excellent standing now my credit score has been downgraded over XXXX points. I just wanted them to right the wrong, this card had a XXXX limit I am shocked and very mad about this. 
Thank you 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 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a checking account at Truist Bank located in XXXX XXXX XXXX MD. 
The bank is holding my money for a month now. We need this funds to pay for our staff in which my spouse is the manager of the company. Two checks were returned for insufficient funds due to Truist Bank holding my money. Truist Bank is playing games with us. My husband is now in trouble for not paying the salary of the employees. I went to the bank last week as I was upset of why they been holding the money. I spoke to the branch manager that I wanted to close my account but the bank refused to do it. I would like to file a complaint and ask to investigate why are they holding our funds. I request an immediate release and closing my 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 2023-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Received a call from XXXX stating that I needed to contact XXXX LVNV Funding because they were suing me. I called them on XX/XX/XXXX at XXXXXXXX XXXX XXXX I asked what this was about and was told that it was from XX/XX/XXXX and I had refused to pay a bill. I had to ask several times who and what this was for. He told me I knew and I stated I had nothing on credit file in reference to this. I was told I did not know anything about credit. I asked if they were filing a suit in XXXX XXXX court and kept being told they were going to take money from my bank and work. Then he called me a maggot several times and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting 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 need you to take action and investigate the inaccuracies on my credit report so that it accurately reflects my financial standing. As per FCRA section 611, it is imperative that you have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers! After doing some research into Metro 2 compliance standards as well, I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved.

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 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I rented a car from XXXXXXXX XXXX XXXX on XX/XX/2023 the total for the weekly rental was {$260.00} I gave them my card and what showed on my bank statements along with my available balance decreasing was {$460.00} which XXXX of it was the deposit so everything was correct at that point when I returned the vehicle my new balance due to budget was XXXX which is correct because I kept the car for an additional day well later on that evening the transaction all of a sudden vanished which my balance did not increase or change so I immediately called the bank and brought it to their attention they told me the merchant was processing the transaction and that the transaction would reappear on my transaction list which it did but when it reappeared they charge me again {$330.00} putting my account negative {$420.00} this is not right and the bank is trying to make me believe that the XXXX never left my account and that I ended up spending it which is how holds from car rental companies work all the time totally incorrect and I'm not falling for it.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Hello, my name is XXXX XXXX. I am writing you today. Because I have been experiencing this issue for about over a year and a 1/2. I've been trying to get into an apartment with me. And my children are unable to do so Due to my credit being checked and coming up as a XXXX  or there is an error on to my account. Giving no credit score or giving no further information. Now I have contacted all 3 bureau 's. And they are giving me the same information and I keep on coming across this problem. We're now in 2023, and I'm still experiencing this problem. I'm asking if we can please check further into this so we can get this resolved. It is stopping me from employment also and I need to be able to provide for my family, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: VA

Complaint narrative:
I received a call from Paramount Recovery regarding a possible medical debt. I asked the rep on the phone if they could provide a debt verification letter. The woman refused and put a supervisor on the phone, who then asked how I was paying to resolve the debt today. I then asked again if I could please have a debt verification letter sent to me via paper mail and was told that is not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: NE

Complaint narrative:
My student loans were transferred from Great Lakes to nelnet and they dumped my credit score by XXXX  points. They did not suppress my credit score. These loans were satisfactory. Nobody will resolve the issue. XXXX  points will take me until I am XXXX  to resolve. Can not resolve via phone. Nobody answers. Nobody responds to email disputes either. This is not my fault. How am I supposed to buy a car or rent or pay utilities after they dumped my score?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: McCarthy, Burgess & Wolff, Inc.
State: OR

Complaint narrative:
I received a letter from a collection agency, McCarthy, Burgess, and Wolff, that there was a debt and I had until XXXX to respond via email, phone, and or mail. I submitted an email requesting validation of the debt asking for the contract of the original debt as I did not recognize this account. I have not received the validation of the debt from this company yet they are reporting this on my credit report as collections. They also are showing a past due amount that is inaccurate, not validated, on a closed account. This is inaccurate reporting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
on XXXX XXXX Barclays bank Delaware gained unauthorized access to my consumer report negatively affecting my credit report. This a violation under 15 usc 1681n I never grant them access & not was not enough its reporting to my credit report and this affects my creditworthiness, and it can be a factor to be denied my own credit which I believe is super cruel and can negatively affect my 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 explanation
Consumer complaint received 2023-09-22 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: Chime Financial Inc
State: CA

Complaint narrative:
I ordered an item off XXXX and returned that item. XXXX received the return and is telling me that the refund has been processed to my account but I still have not received it. I have tried to file a dispute with my bank but it keeps getting denied even though I have provided evidence from XXXX stating I returned the product and them stating that the refund was processed. The amount is {$250.00}. XXXX states they processed this refund on XX/XX/XXXX. Ive reached out to them but they say I must handle it with my bank to get reimbursement and when I do the bank denies the dispute so its just been back and forth. My bank is Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: CA

Complaint narrative:
US BANK I'VE HAD 3 ACCOUNTS ALL ENDING IN ACCOUNTS WERE COMPERMIZED ... MONEY DIDSAPPEATED... 

UNEXPECTLY AND UNKOWING OF CREDIT CARDS MONEY WIRES AND. MONEY GONE IN FRONT OF MY EYES..I KNOW I DON'T HAVE GOOD CREDIT BUT US BANK HAS CREDIT CARDS AND LOANS AND BUYING CARS ETC. I NEVER EVERY KNEW I HAD .. AS I SEE WHERE MY SSI CHECKS DEPOSITED INTO MY ACCOUNT DISSAPPEARED SEE FAST ARE I GOT IT... SO.. BESIDES MY 3 COMPERMIZED ACCOUNTS TOTALING {$45000.00}. Closed my account for no reason Unexpected credit card and others a total of {$19000.00}.

Ya so I'm hurting.. And they don't care ....!

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 2023-09-22 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: Dave Operating, LLC
State: WI

Complaint narrative:
Dave prepaid debit card is creating false transactions. I had XXXX XXXX transactions back to back. Where it overdraft my account. I called XXXX they stated they had no record of the transactions to dispute with my bank. I contacted them right away and they disputed the charge. It has been a month with no resolution or no credit. This is not the first time where my transactions didnt match up to what my balance was suppose to be and no record or the transaction or where or why the money was taken. This is not a very safe place to keep reoccurring deposits. Someone needs to investigate because there is scandalous things being done. They are rude to their customers when they are at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
My student loans were transferred from XXXX XXXX to XXXX and they dumped my credit score by XXXX points. They did not suppress my credit score. These loans were satisfactory. Nobody will resolve the issue. XXXX points will take me until I am dead to resolve. Can not resolve via phone. Nobody answers. Nobody responds to email disputes either. This is not my fault. How am I supposed to buy a car or rent or pay utilities after they dumped my score?

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
My student loans were transferred from XXXX XXXX to XXXX and they dumped my credit score by XXXX points. They did not suppress my credit score. These loans were satisfactory. Nobody will resolve the issue. XXXX points will take me until I am dead to resolve. Can not resolve via phone. Nobody answers. Nobody responds to email disputes either. This is not my fault. How am I supposed to buy a car or rent or pay utilities after they dumped my score?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
on my credit report a collection agency named Enchanted Recovery has that i have a sebt for {$460.00} dollars ( t-mobile ) never in my life have i selt with XXXX. 2nd. XXXX colletion agency ( peco ) {$100.00} dollars never owned anything reguarding housing allways lived with someone XXXX XXXX. XXXX XXXX  XXXX does't say how much that's all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient is completely covering up errors that representatives made providing misinformation that cause a negative hit on my credit report significantly impacting my credit score.

Completely inaccurate information. It was confirmed by a manager that it is documented and recorded that a representative from Navient advised me to MAIL in forms for consolidation and that they were sending me forms years ago and that was incorrect information. They have documented that they said they dont know why I was told that because there is no record of them mailing me forms but recorded and/or documented that they said that yet typo are acting like that was NEVER COMMUNICATED TO ME BY YOUR MANAGEMENT IN XXXX OF THIS YEAR. You are completely ignoring ALL the documented misinformation I received that was recorded and noted. You mention legal requirements but you are completely unethical if you are not even acknowledging what your own managers have acknowledged on a recorded line. You investigation is BIASED, INACCURATE, EXCLUDING PERTINENT INFORMATION THAT HOLDS YOUR REPRESENTATIVES LIABLE AND YOU REPEATEDLY BLATANTLY IGNORE IT. Your company represents the poorest of ethics and I conduct investigations and all findings should be included if relevant and ALL I HAVE SHARED HAS BEEN RELEVANT. This is an extremely poor representation of your department and this company as a whole. I completely believe you are intentionally creating hardship on people like myself and it is a gross representation of professional business practices! Extremely poor. Complete Misrepresentation!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Threatened by locator service named XXXX XXXX ( blocked caller id ) saying I was going to be served! The debt was originally with wise loans and is now being handled by Atlantic Collection Agency XXXX ( XXXX ) XXXX who used some threatening locator service to constantly call me and my family members threatening to serve me with documents. They call from a non caller id so you cant return their calls. This was an old loan that I know was paid in full and they refuse to show me documentation showing otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: NY

Complaint narrative:
XXXX told all XXXX credit reporting agencies to zero out the balance yet all XXXX keeps coming back as verify by XXXX bank that the balance is correct here is XXXX letter from them stating they told them to zero the balance now its time to delete

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