vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-27 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: WA

Complaint narrative:
The company wrote a fraudulent statement that I closed this case. I demand a retraction and an actual reporting of any and all collective information including recordings and documents of their investigation.

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 2022-12-27 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: WA

Complaint narrative:
The company wrote a fraudulent statement that I closed this case. I demand a retraction and an actual reporting of any and all collective information including recordings and documents of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: PA

Complaint narrative:
My name is XXXX XXXX, and I am writing this statement on my behalf. I am a victim of identity theft. The items listed on my report were opened fraudulently, and I request that they all be removed immediately. The accounts are listed in this report and attached to my statement. 
Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
in accordance with the Fair Credit Reporting act account # XXXXXXXX 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

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 2022-12-27 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: GA

Complaint narrative:
please see attachment violations of 15 usc 1692, 15 usc 1681, fcra 609 a, fdcpa 804 b

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 2022-12-27 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: GA

Complaint narrative:
please see attachment violations of 15 usc 1692, 15 usc 1681, fcra 609 a, fdcpa 804 b

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
HI, I do not recognize these inquires on my credit reports on TransUnion I believe they could be fraud, some one got my personal info. Because my bank account was hacked a few months ago also. 
Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Referring to Section 623 of the Fair Credit Reporting Act and contacts the data furnisher to prove that a debt belongs to the company. Also, what method did they use to verify the account. The credit bureaus have denied me the right to dispute this, I want to see how they verified this account. I wholeheartedly deny these accounts as mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/22, I purchased a phone online with XXXX  XXXX by using Affirm 's financing through their website. XXXX  has been entirely incapable of completing the purchase, cancelling the purchase, sending the phone, etc. for 3 days now. I am unable to purchase a cell phone using Affirm because they refuse to transfer my approval to another reliable cell phone compancy. They state I MUST continue to deal with XXXX, although XXXX  is completely incompetent. I no longer want any service, phone, etc with XXXX. Affirm is holding me financially XXXX to XXXX  for the next 60 days according to their XXXX XXXX # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I had an auto loan open with Ally Auto ( Ally Financial ) during XX/XX/XXXX- XX/XX/XXXX. I never had a late payment on this account. I have the payment history for this account from Ally Auto. 

During the first week of XXXX, I noticed that the account was marked as 30 days late with XXXX credit bureau. I started the dispute and the account was updated correctly. I contacted Ally Financial and they verified that the account was never late and provided me with a credit reference letter. 

However, in the last week the updated credit report ( with incorrect payment information - marked as 30 days late payment ) was sent to all three credit bureaus. namely XXXX, XXXX and XXXX. I have started the dispute with all 3 credit bureau It seems Ally Auto has some incorrect information on what they are reporting on my account to the credit bureaus.

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 2022-12-27 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: PA

Complaint narrative:
My name is XXXX XXXX, and I am writing this statement on my behalf. I am a victim of identity theft. The items listed on my report were opened fraudulently, and I request that they all be removed immediately. The accounts are listed in this report and attached to my statement. 
Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am writing this statement on my behalf. I am a victim of identity theft. The items listed on my report were opened fraudulently, and I request that they all be removed immediately. The accounts are listed in this report and attached to my statement. 
Accounts to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-27 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:
CFPB + Experian, The companies below have many inaccuracies on my Experian credit report - I have submitted variations of these before - you have not accurately investigated and resolved these. 

- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX ( Twice ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached to this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter You legally are not allowed to leave these inaccuracies on my credit report and do nothing about them. 

I am looking to have these credit accounts removed from my Experian credit report for many blatant inaccuracies they refuse to fix.

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 2022-12-27 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I closed and paid off the balance on a CB Indigo GF credit card back in XXXX. The credit card company keeps harassing me via cell phone and keeps adding interest to a XXXX balance. I got nowhere talking to them. I contacted XXXX.com and disputed the charges. It was resolved and removed. Then a XXXX time CB Indigo GF began charging me interest upon interest on a XXXX balance and XXXX XXXX  score was affected on my Experian.com account once again! I contacted XXXX again and opened another dispute and it was resolved and removed. Today I see CB Indigo GF credit card is back on my XXXX account a THIRD TIME as of this month!! I contacted XXXX via phone and they advised me to contact you. Please get rid of this company who continues to harass me and tries to destroy XXXX XXXX  with these bogus claims of, now, 150 days late of payments!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My mother who passed away in XX/XX/2022 had a checking account and an IRA with Regions bank in Alabama. I was named on both accounts as well. I first contacted the XXXX branch in XX/XX/2022 about closing the accounts and forwarding the proceeds to me. As of this writing I am still trying to collect approximately {$500.00} which they are holding in the checking account. The bank has sent cashiers checks without signature and has twice required that I forward notarized requests and copies of my mother 's death certificate. Each amount of money I have collected has required a great deal of follow up on my part. The current amount in the checking account is a distribution from the IRA that was done in error due to Regions delays. They have stopped responding entirely to requests for collection of this amount. At this point I have to think Regions is being deliberately obstructionist so they can hold on to funds as long as possible.

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 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
I've been disputing my transaction since the end of XXXX and I've been denied with no reason of my disputes being denied they just sent me something saying my dispute has been closed like XXXX the XXXX and I've been fighting the end of XXXX. And this is my unemployment banking with US Bank ReliaCard. I noticed some unusual transactions that was made on my account with {$1000.00} withdrawal with XXXX XXXX  transfer and and all kinds of other XXXX transfers along with a cell phone payment and a XXXX XXXX XXXX XXXX they did refund back the money from XXXX  transfers and the cell phone in XXXXXXXX XXXX  but the cash withdrawals that were taken out of my account was not refunded and you can see how it is it's {$1000.00} {$100.00XXXX XXXX XXXX XXXX. They refund my XXXX  but not the cash withdrawals and it just looks so suspicious like you could see it it's all together so I canceled my card ordered a new one and the card that I was waiting on was stolen out of my mail and they were able to take out two XXXX cash withdrawals and a XXXX $ XXXX. And they did a few online XXXX XXXX  transfers as well. I wrote letters on my behalf, I made a police report, I disputed them on time I even sent in bank statements from my XXXX account that I never even made any of those transactions everything that they had taken out of my account there's a XXXX charge with it. And since my account shows that I didn't make any of those transactions on my XXXX  account. I didn't think they would have a problem refunding my money back to me.

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 2022-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: OH

Complaint narrative:
I had paid off a loan XX/XX/XXXX or so I thought. I checked my statement XX/XX/XXXX only to find out was charged an interest fee on top of other fees after paid off. When I went to pay this off XX/XX/XXXX amount had changed from XXXX to XXXX charge. Then I was also told they can not close my account I have to call another phone number to do that. The loan employees at Check Smart did not explain that your charges do not end with the payoff of your loan but they keep consistently going after that. Very deceiving to people. I will Never use this company or recommend Anyone to use them! 
I call XXXX XXXX XXXX and closed my account and hope this is the end of them and Check Smart. How are they allowed to get away with this? Statement does not have actual amounts that I actually paid. I paid {$300.00} for my loan not {$270.00} then another {$2.00} not {$2.00}. Why are they not audited for posting incorrect amounts?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Comerica
State: CA

Complaint narrative:
I received an offer from Comerica Bank to apply for a XXXX. When I logged into my account it stated " You don't have any accounts enabled for Comerica '', although I was able to log into my account. I made 3 calls to Comerica to find out what the problem is. 
CALL 1 : I spoke with XXXX, he asked for my debit card number and the last 4 of my social, and was able to access my account. He told me " your account is in a shuttable status due to inactivity. '' He told me I would need to drive into a local branch ( 50 miles each way ), when I told him I will not drive XXXX XXXX  when this can be taken care of over the phone, he told me to call the local branch number from their site after XXXX XXXX 
CALL 2 : XXXX refused to verify my account with the same information as the previous agent and asked for ( the year I opened the account ) and my checking account number. I provided all the numbers including the routing number. He then told me to drive to the nearest branch XXXX miles away. I asked for a supervisor he refused, I asked 3 more times and was transferred to ( XXXX XXXX, who stated she is a supervisor. She told me " Since you failed the verification you need to call back for another agent. I asked for their corp phone number she refused and told me to call customer service. 
* They have held the money I have in the account collecting interest for them and refusing to assist. This is FRUAD! How much other customers ' money are they holding collecting interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I was contacted 4 times on XX/XX/XXXX by different members of One Main Financial Services regarding my Secured Vehicle Loan. I spoke with the first 3 members and tried to work out a payment schedule where all 3 of them told me they were " Unable '' to make promise to pay my full balance on XX/XX/XXXX. They continuously badgered me to make at least a small payment towards the loan and I informed them I was unable too due to just getting over the XXXX and was out of work this month. On the XXXX call I received from XXXXXXXX XXXX, he again, continuously badgered me to make a payment before the end of XXXX because they were unable to schedule a payment in XXXX for the Full amount that would be due. After getting of the phone with XXXX, I logged into my account online through the One Main Website and scheduled the payment there. I feel they are harassing me as I tried to work with them to set up a payment and they denied my efforts. But yet, I was able to perform the scheduling online through my account. I am literally 1 payment behind. My " Current '' payment is not even due till XX/XX/2023, which counts as 2 payments. On the XXXX, ( Which it has not hit ) I will have 3 payments due, but that payment will not be due technically until XX/XX/XXXX. So, with only being technically 2 payments behind, I feel they are harassing me by having 4 different people calling me trying to get any sort of money out of me even after being told EVERY time that have absolutely no money to spend until I get paid on the XXXX of XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Claim {$10000.00} claim number XXXX acct XXXX Someone order my XXXX card and went spending all them charges and at that time someone stolen my wallet which had my personal ID and important information I called BofA and they took over XXXX to make a decision it wasn't till I had to calles them I even made a police report I faxs all them paperwork they ask for Its been over a yr and they still giving me a hard time

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 2022-12-27 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: MI

Complaint narrative:
Provide validity of the accounts in attachment

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 2022-12-27 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 — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: NC

Complaint narrative:
My spending account was hacked on XX/XX/XXXX, from someone I've never heard of or did business with, and they still refuse to resolve this issue. Date given was in XX/XX/XXXX. The only number you can call is their Customer Service at XXXX ( XXXX ) XXXX only to speak with people with heavy accent that you can't understand, be transferred to one department to another, and be told a different or the same scripts. The transaction is so obviously a scam! Can not reach anyone that I can escalate this to. This company has THE WORST customer service ever. This is my only card I pay bills & use. They took {$680.00} that I was informed will be put back after 10 business days, I still can't use!!!!

Company response to consumer: Closed with explanation