vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: AR

Complaint narrative:
Spire Recovery Solution contacted my brother and family members yesterday and the day before about my debt. They have been harrassing them for 3-4 times a day. They do not owe the debt it is I so why are my family members suffering the consequences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: CA

Complaint narrative:
On XX/XX/XXXX I notified Experian, XXXX and XXXX that my credit report is reporting incorrect information in regards to XXXX XXXX  account. All 3 stated initially that the information is verified and correct. Experian specifically stated that within 24b hrs. of receiving the complaint. I factually know it's impossible for Experian to determine the correctness of the information within that frame of time. 
On XXXX and in XXXX I again submitted information to dispute the information but again without an investigation they rejected 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 2023-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MI

Complaint narrative:
I received a notification about an XXXX & XXXX bill on my credit report that I did not open. I reached out to XXXX about removing the negative report because of fraud and nothing has been done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-16 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
amsher collection XXXX XXXX XXXX XXXX XXXXXXXX XXXX  alabama XXXX illegally and unethically accessed my credit reports that are frozen and fraud alerted. this is illegal and unethical activity and violates Alabama and florida and federal law. Stay the XXXX out of my credit reports or be sued and prosecuted! amsher collections is reported to the CFPB, alabama attorney general, fl attorney general, FTC and law enforcement AND the XXXXXXXX XXXX  and the XXXX for illegally accessing 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 2023-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX  and I do not have a contract with consumer adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: AL

Complaint narrative:
I've disputed the status of an account multiple times with Equifax. I've also submitted bankruptcy information proving the account was included in bankruptcy. The account is an installment account for XXXX XXXX. 
XXXX - Blank Status XXXX - Changed to " Collection ''.. The account was never in Collection XXXX- Added a comment " 180days or more past due '' The comments and status updates have hurt my credit score. Both the status and comments are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On ( XX/XX/2023 ) XXXX XXXX, I went to Regions bank to withdraw {$5000.00} dollars from my checking account. Unfortunately, I was denied from completing my transaction because the bank teller and branch manager informed me that my transaction was still pending and that I could not withdraw my funds. The branch manager told the teller, if it were my cash draw I would not complete the transaction. The teller also mentioned to me that I had a similar transaction done the day before ( XX/XX/2023 ) and she needed approval. The ( Branch Manager ) proceeds to tell the teller that she would not complete the transaction because it is still pending and it could come back returned. I had to drive to another branch farther out to withdraw my funds while pending without any issues. The bank teller tried to give me back my withdraw slip and I exited the bank. I contacted the Branch Manager ( XXXX XXXX ) on XX/XX/2023 to file a complaint. She has not returned my phone call.

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 2023-03-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelson Cruz & Associates LLC
State: SC

Complaint narrative:
yes, I have contacted the company to get information on how they got my information when I have not entered into an agreement with their company I ask them to send me a validation of the debt and I have not received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
To whom it may concern, Goldman sacks credit card for apple. 
Refuses to provide correct statements regarding transactions, I was charged for items that were already fully paid off. Ive been calling them for 3 months now with no solution. No one knows what is happening. 

They are constantly changing my current balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
I have disputed and provided police reports reporting of unauthorized inquiries my data was breached in XXXX and XXXX and XXXX reporting innacurate accounts and unauthorized inquiries accounts opened not under my name also unknown refuses to apply federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 USC 1681 sec 602A. I have a right to privacy.

15 USC 1681 604A sec 2 consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information : any adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a 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 2023-03-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-16 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: NV

Complaint narrative:
On Equifax 's website it very clearly states that if you're shopping around for the same loan within 14 to 45 day period the different inquieries should only count as one inquirery. I have 3 inquieries that were all for an auto loan that were done within a 14 day period that are being counted as 3 different inquireries when, as stated on their website, should only be counted as 1 inquierery. I'd like these 3 inquieries to only be counted as one per their website. I called Equifax varios times and every representative did not even know about this, but one representative did after taking the time to do a little research and look for it on the Equifax website. She, then said it only counts if your credit is pulled varios times by the same lender for the same loan which is not true, because the article, on THEIR website goes on to say that because of this you're given a chance to shop different LENDERS. That is the very next sentence after the statement, " if you're shopping for a new auto or mortgage loan or a new utility provider, the multiple inquiries are generally counted as one inquirery for a given period of time. The period of time may vary depending on the credit scoring model used, but its typically 14 to 45 days. '' Like I said it goes on to say, " this allows you to check different lenders ... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was contacted by a phone number from XXXX, FL on XX/XX/23 at XXXX that left a voicemail. The voicemail stated that they were Wayfair customer service and that there was a question regarding recent charges to my credit card account. I was asked to provide my account number, and security code from the card when returning my call to this number XXXX. I do believe this number is a scam because I did receive the items I have purchased on this newly opened account from Wayfair.

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 2023-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
US bank keeps giving this XXXX veteran the runaround on my FULL and complete tax escrow refund immediately!! I DO NOT owe property taxes in XXXX XXXX any longer because I'm a XXXX veteran. Therefore I DEMAND IMMEDIATELY a full and complete refund of my FULL tax escrow deposit from closing and ALL tax escrow amounts to me via check immediately. US bank has written proof this is the case. ALso, I DEMAND to see an immediate reduced payment amount reflected in WRITING of around 2000 $ so that the no escow in my payment is reflected, and I DEMAND US bank correct my credit report immediately to show the REDUCED mortgage payment with NO tax escrow on ALL THREE credit bureaus immediately. US bank has been dragging their feet on this for a month and a half. I ALSO REQUEST AND DEMAND WHY US BANK HAS INCREASED MY MORTGAGE AMOUNT ON MY CREDIT REPORT ABOVE WHAT THEY ARE SHOWING, XXXX XXXX, AS THIS IS ERRONEOUS AND US BANK COULD NOT GIVE ME A SATISFACTORY ANSWER.

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 2023-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have been having issues setting up the US Bank online app, and have had issues for months with the bank, state farm insurance online payments, phishing schemes, and my USPS mail being delivered places it should not be. I realize part of the issue is my own with communications in person, an in public. I have had issues previously with online accounts being hijacked, stalking in person, and had issues with XXXX  police department and an incident involving my WiFi getting hacked and a bill for calling XXXX, and having sound XXXX and the XXXX police department with either entrapment, tampering, and planting data. I keep getting alerted to attempts for password for secure login/ login.gov that is not at my request. I need to speak with the health department, and Department of justice as soon as possible. 
Thank you

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 2023-03-16 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: CA

Complaint narrative:
On XX/XX/XXXX I notified XXXX, XXXX and Transunion that my credit report is reporting incorrect information in regards to XXXX XXXX  account. All 3 stated initially that the information is verified and correct. XXXX specifically stated that within 24b hrs. of receiving the complaint. I factually know it's impossible for XXXX to determine the correctness of the information within that frame of time. 
On XXXX and in XXXX I again submitted information to dispute the information but again without an investigation they rejected 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 non-monetary relief
Consumer complaint received 2023-03-16 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: CA

Complaint narrative:
On XX/XX/XXXX I notified XXXX, Equifax and XXXX that my credit report is reporting incorrect information in regards to XXXX XXXX  account. All 3 stated initially that the information is verified and correct. XXXX specifically stated that within 24b hrs. of receiving the complaint. I factually know it's impossible for XXXX to determine the correctness of the information within that frame of time. 
On XXXX and in XXXX I again submitted information to dispute the information but again without an investigation they rejected it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: KS

Complaint narrative:
received first loan in XX/XX/XXXX the loan was for XXXX paid XXXX $ for 14 months till my daughter paid of the loan in the amount of XXXX had to get another loan in XX/XX/XXXX to move back to XXXX as rent was to high in XXXX XXXX TX , the loan was for XXXX $ i pay XXXX $ every month from my VA and SSI benefits and still have the pay off at XXXX. Would like to know if I can be helped in any way. THANK YOU. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC
State: FL

Complaint narrative:
This is just a complaint about a scam constantly calling and texting to tell me they have approved a loan that I never requested and they want all of my information so I can sign the paperwork. I'm not falling for their scam but, someone else might and that's why I'm reporting them. 

I tell them I never requested a loan and to stop calling/texting and they won't unless I give them my information. 

The name of the company is Explore Credit and the phone number is XXXX and they have been calling for at least 5 times a day for over 2 weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: ENOVA INTERNATIONAL, INC.
State: RI

Complaint narrative:
on XX/XX/XXXX a hard inquiry landed on my credit report for XXXX from a company called NetCredit. I called the company who had my personal information. I let them know that I never applied for any credit from them and did not want credit... they said there is nothing they can do because a request was made but didn't give me any info as to who or where the request came from ... they told me they would flag the request but they would not remove the inquiry. I let them know it was fraud but no one has gotten back to me about it. they refused to delete the request and said that they couldn't prove i was correct over the obvious thief of my identity. Shame on that company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: GA

Complaint narrative:
A closed account on my TransUnion credit file, XXXX XXXX, began reporting multiple incorrect late payments. After speaking to XXXX XXXX XXXX, they informed me that they had NOT reported any late payments since my account closed on XX/XX/2021. They then sent me a " payment delinquency statement '' that shows the pay dates of every payment. 

I immediately called TransUnion to dispute and was told to upload the document via the online dispute center. I could not do so, and called TransUnion for assistance in uploading my documents. Every-time I got on the phone with a technical rep, the line disconnected. I called multiple times in 2 days and the same thing kept happening. 

I want my credit report corrected and updated by REMOVING these late payments. Attached is the statement that was sent to me by XXXX XXXX XXXX with an updated payment status.

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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. 

Dept Of EdXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. 

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.

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