vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-23 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: KS

Complaint narrative:
I received a US Bank XXXX  payroll card from my employer. I am XXXX and use a special landline service for TTY calls, closed caption. Due to my XXXX, I do not have a cell phone. US Bank is refusing access to my account without a cell phone number for verification. I have filed multiple complaints with US Bank over the phone and in writing. There has been no resolution for nearly a month. With this block, US Bank is refusing access to my funds, funds balance, the ability to set the PIN number, refusal to withdraw funds, refusal to allow me to use the debit card, and so forth.

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 2022-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XX/XX/XXXX I contacted Transunion in regards to inquires that I did not give consent to or have knowledge of until reviewing my consumer report on file with Transunion. Inquiries displayed on my report are as follows ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX Bank XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank XXXX XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous

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 2022-04-23 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: SC

Complaint narrative:
On XXXX XXXX I submitted a dispute to all 3 credit bureaus Equifax, XXXX, XXXX in regards to some inaccurate information being reported. They never launched an investigation into the matter. I never received any documentation confirming the results nor any proof to validate that these negative items belong to me. I have no knowledge of this accounts and have not signed any agreements in regards to these accounts. 
XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX  XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/XXXX I received a pre approved offer for installment loan at a lower rate to be used for paying off other debts at higher interest rate. I applied, submitted additional documentation as requested and hard inquiry was done by the company to check credit. I attempted to contact the company on multiple occasions based on email stating I should receive response within 24-48 hours. These attempts started on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and subsequently today XX/XX/XXXX, to hen at my request for information I wan informed the loan was denied, no reason provided. 

I believe the impact to my credit score due to this inquiry has been harmful to my ability to regain a positive credit standing and the lack of follow through or due diligence by this company is in violation of the Fair Credit Act as they did not provide suitable, notable or timely response based on the information provided to me. 

I would like this inquiry removed based on the neglect by XXXX to follow stated terms and agreements for credit offers and notification. 

Best regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
i was told my citibank secured credit card wold graduate in 12 months when the manger a year ago at the branch convince me to apply that was the main reason i did its now a year and it still didnt graduate

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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, my Equifax credit score went from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. 
I went to my Equifax.com because I was concerned why as I make all my payments XXXX percent on time. On their application website, under the alerts. Its stated that I had a bankruptcy on my record. I have not filed for a bankruptcy nor do I intend to file for a bankruptcy. However, there are 4 joint accounts I share with my husband who no longer lives with me and has not lived with me since XXXX. I have a protection order in place and he has filed for a XXXX  XXXX bankruptcy. But, has stated in the papers that he intended to continue making those payments. However, I am making those payments every month. And I make them on time. When I called Equifax to inquire as to why they stated I have a bankruptcy, even though I went and looked to see under Public Records, there isnt one. And, furthermore, none of these creditors has the legal right to make that claim against me as I have not filed for bankruptcy and theyre still getting the monthly payments each and every month. That is illegal. Equifax and the Creditors in question had no right to make a remark on my credit report stating a bankruptcy on me when I am not nor have not filed or have been part of filing for a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 U.S.C 1681. 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-04-23 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: SC

Complaint narrative:
On XXXX XXXX I submitted a dispute to all 3 credit bureaus XXXX, Transunion, XXXX in regards to some inaccurate information being reported. They never launched an investigation into the matter. I never received any documentation confirming the results nor any proof to validate that these negative items belong to me. I have no knowledge of this accounts and have not signed any agreements in regards to these accounts. 
XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23 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: SC

Complaint narrative:
On XXXX XXXX I submitted a dispute to all 3 credit bureaus XXXX, XXXX, Experian in regards to some inaccurate information being reported. They never launched an investigation into the matter. I never received any documentation confirming the results nor any proof to validate that these negative items belong to me. I have no knowledge of this accounts and have not signed any agreements in regards to these accounts. 
XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ARS National Services, Inc.
State: AK

Complaint narrative:
I settled an account I had with XXXX that had gone to collections. The collection agency promised to close the account and show a XXXX  balance on my credit report once I settled the outstanding balance. After settling the account the collections agency ended up reporting the account with a charged-off balance and shows as still active. I disputed the information with XXXX to no avail, despite submitting documentation from the collection agency stating the terms of the settlement having been met. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delivery Financial Services, LLC
State: FL

Complaint narrative:
This company ( Delivery Financial Services , LLC ) has been falsely reporting a debt that I do not own. This alleged debt is not mine and has never been verified as mine. They have also been harassing me, family members, friends, co-workers, and my employer. They have disclosed personal information ( my social security number, finances and miscellaneous info. ) to 3rd parties without my authorization. They have violated multiple Fair Credit Act laws and also XXXX Other prohibited practices. This company is nothing but harassment and law breakers for profit. I will list all of the violations they have committed and are continuing to violate. 

XXXX Other prohibited practices Fair Credit Act Violations 804 Acquisition of location information 805 Communication in connection with debt collection 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts 812 Furnishing certain deceptive forms

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: NY

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX  XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

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 2022-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i submitted dispute to all ( 3 ) credit reporting agencies and XXXX. I was reported as being late on forebearance and they did a loan modification-but also a Death occurred related to XXXX to my spouse who was also a co-borrower on the Mortgage loan with XXXX. I filed a hardship request back in XX/XX/XXXX on the death of the Co-borrower and request time for hardship into XX/XX/XXXX, until i could get back on my feet. I was told by the representative XXXX, they never acknowledge my Hardship request even thought I submitted information on the Death of co-borrower. Instead they went and marked my XXXX mortgage late. I reached out to the Lost and mitigation dept at XXXXthey told me they were very backlogged, even though the death letter and death certificate was sitting in the loan soultion webiste for XXXX, nobody has yet reviewed my request at XXXX because they are so backlogged. 

XXXX- did successfully resolved their investigation - and restored my credit back to as it was In XXXX score of XXXX and no lates. filed CFPB XXXX TransUnion - still not resolved the same investigation that i filed with CFPB XXXX -- still showing forebearance-Loan Modification & hardship as being late with XXXX. 

XXXX - still not resolved the same investigation that I filed CFBP XXXX -- still showing forebearance-Loan Modification & hardship as being late with XXXX. 

I am still waiting for TransUnion & XXXX to fix my Credit Report scoring XXXX to what it was back In XXXX XXXX to scoring XXXX... .I was severly impacted by XXXX and XXXX death of the co-boworrer / my spouse 20 years - XXXX XXXX who died XXXX was an XXXX  at XXXX XXXX XXXX XXXX XXXX. He worked in the XXXX XXXX XXXX from XXXX to XXXX ... ..XXXX was not to show as being late on forebearance & hardship extenstion, on my Mortgage and to give me continue hardship releif unitl end of XX/XX/XXXX, is what i requested, until i could get back on my feet.

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 2022-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CHALLENGE FINANCIAL SERVICES
State: CA

Complaint narrative:
XXXX called my work ask for me. Then after that called asking for the owner of the company. Im 40 days passed due. They keep calling almost every day. My phone my grandma my sisters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CarMax, Inc.
State: AL

Complaint narrative:
Never opened account with merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: MD

Complaint narrative:
I applied for a XXXX credit card on XX/XX/2022. I was denied and given an adverse action notice that states information from XXXX was used to make their decision. However, my Experian credit report was also pulled and resulted in a hard inquiry there too without being listed on the adverse action notice. There is no permissible purpose for pulling my Experian credit report because it wasn't even used in their decision, as my application was instantly denied upon determining I had five or more credit card accounts opened within the past two years based off of my XXXX credit report. If I had frozen my Experian credit report, this hard inquiry would have never happened because only my XXXX credit report was used to make a decision and the application would have gone through just fine. Additionally, Experian refuses to accept my dispute for a hard inquiry even after submitting a CFPB complaint to them, instead forcing me to dispute directly with the furnisher, which just leads to another CFPB complaint except this time for the furnisher.

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 2022-04-23 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: NC

Complaint narrative:
XXXX XXXX Apartments own by XXXX XXXX in XXXX XXXX XXXX debt to XXXX XXXX XXXX, I have disputed this information with equifax and provided them with the photos showing the dates of NO Damage in the apartment when I moved out. No one at the company will correct this error that is hurting my credit nor is the credit reporting agency looking at my proof. 
They just updated the information that I disputed. 
Where is there proof all they showed was my lease and the invoice they made up which is lies. I am sick of Companies having the upper hand when we have solid proof. 
Please have equifax and the remainder of these reporting agency update this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-04-23 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: NY

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 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-04-23 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: EQUIFAX, INC.
State: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act United Collection Bure Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. I have the rights 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation