vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
Edfinancial has been reversing payment on loans that are being paid on time, resulting in more interest on said loans. Edfinancial claims it is a problem with my bank when all information is correct and amount in account is more then enough to cover the loan that is being paid on time. Company is useless in terms of contacting and trying to deal with the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I already filed a complaint ( complaint ID XXXX ), and you closed it after the company replied, without investigating their false claims. It is unacceptable to take any statements from institutions as unreliable and deceptive as banks at face value without a thorough investigation. Citibank deceived my when I signed up for this credit card, and I would like this situation rectified. I'm totally fine paying my established minimum payments of {$29.00} a month, but they wont be able to get any money from me if they keep raising the interest and subsequent monthly payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. 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 2023-10-31 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I have 2 vehicles from XXXX XXXX XXXX XXXX both leases ended XXXX XXXX-which I extended as due to Pandemic, 1. XXXX had inventory issues ; most dealers had long waits for electric/hybrids 2. I am an ID physician/ front line worker and I had less time to deal with dealers In 2023 XXXX, further lease extensions stopped, and TFS asked me to hand in the vehicle. 
Several issues caused confusion. 
XXXX. My automatic payments were recalculated and no longer possible through website XXXX 2. Despite me making several attempts and payments over the phone, I could not keep track of which vehicle payment was made and which was not- ( 2 monthly payments for two cars ) 3. I asked XXXX for support, made phone payments, and tried to set up automated payments from the Online TFS account, but each attempt got canceled. 
4. The verification process from XXXX required written letters and signatures, which hampered the process- 5. These automated payments were canceled without my knowledge- I am still unsure if this was because of issues with account verification or if this was a new lease-end policy that auto-payments could not be set up online. 
6. XXXX XXXX account is glitchy and it is tough to tell which account I am working on /Billing statements digitally do not appear ( digital PNG file attached ) Late Payment/Credit Bureau report- XXXX XX/XX/2023, I found out that despite my regular payments and attempts to pay at XXXX, one of my two costs did not get paid, and I was charged a late fee and I was reported to the Credit Bureau. 
This was odd 1. Had made regular payments to XXXX through XXXX online account and got confirmation emails I paid -however, one of the two accounts or both stopped payment without notification as the paper-signed contract was not in.

2. I was constantly talking with XXXX  and making payments on one of two vehicles but billing was erratic through TFS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX ACCOUNT NUMBER XXXX******* I was never late on the paid off account listed above please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account, if not please delete this alleged late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX****** I was never late on the paid off account listed above please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account, if not please delete this alleged late payment from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
My renter at XXXX XXXX XXXX, in XXXX, Illinois XXXX requested to send his rent through CashApp. I agreed and told him my CashApp login name, XXXX XXXX, with which he deposited {$700.00} in my Cash App account. I opened my CashApp app and tried to login and transfer to my bank account. When I failed to get in they sent me to biometric id of which I complied. The biometric feature failed. It could not identify me. So now, a month in and still no money. I see this as theft and if it can not be resolved I intend to go to the Texas Attorney General, the FCC, FTA, and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
I have 2 vehicles from XXXX XXXX XXXX XXXX XXXX leases ended XXXX XXXX I extended as due to Pandemic, XXXX. XXXX had inventory issues ; most dealers had long waits for electric/hybrids 2. I am an XXXX XXXX XXXX XXXX  worker and I had less time to deal with dealers In 2023 XXXX, further lease extensions stopped, and TFS asked me to hand in the vehicle. 
Several issues caused confusion. 
1. My automatic payments were recalculated and no longer possible through website XXXX 2. Despite me making several attempts and payments over the phone, I could not keep track of which vehicle payment was made and which was not- ( 2 monthly payments for two cars ) 3. I asked XXXX for support, made phone payments, and tried to set up automated payments from the Online TFS account, but each attempt got canceled. 
4. The verification process from XXXX required written letters and signatures, which hampered the process- 5. These automated payments were canceled without my knowledge- I am still unsure if this was because of issues with account verification or if this was a new lease-end policy that auto-payments could not be set up online. 
6. XXXX XXXX account is glitchy and it is tough to tell which account I am working on /Billing statements digitally do not appear ( digital PNG file attached ) Late Payment/Credit Bureau report- XXXX XX/XX/2023, I found out that despite my regular payments and attempts to pay at XXXX, one of my two costs did not get paid, and I was charged a late fee and I was reported to the Credit Bureau. 
This was odd 1. Had made regular payments to XXXX through XXXX online account and got confirmation emails I paid -however, one of the two accounts or both stopped payment without notification as the paper-signed contract was not in. 
2. I was constantly talking with XXXX  and making payments on one of two vehicles but billing was erratic through XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX I have not supplied proof under the doctrine of XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I did not ask to have alleged debt verified, or said debt. XXXX is reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney. My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, convergent you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections. You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that XXXX defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under XXXX XXXX civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I did not ask to have alleged debt verified, or said debt. XXXX is reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney. My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, convergent you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections. You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that XXXX defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under XXXX XXXX civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I did not ask to have alleged debt verified, or said debt. XXXX is reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney. My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, convergent you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections. You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that XXXX defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under XXXX XXXX civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This is a follow up complaint to the initial complaint # XXXX. 

As a response to that complaint, Capital One was supposed to issue a {$100.00} credit. 
However, that has still not happened. 

Capital One is continuing their dishonesty about the resolution. 

They credited XXXX miles to my rewards account claiming the XXXX miles have a value of {$100.00}. 
That is BLATANTLY incorrect and dishonest! 

The value of of XXXX miles according their own redemption website is ONLY {$5.00} and NOT {$100.00} as they claim. 

Please see attached screenshot where I am trying to redeem XXXX miles for statement credit. They are calculating that as {$0.00}. If XXXX miles equal to {$0.00}, by simple math XXXX miles have a value of only {$5.00}. 
Please see attached screenshot and their letter. 

In order to credit my account by {$100.00}, the reward miles need to be XXXX and NOT XXXX. They have only credited {$5.00} and not {$100.00} per their letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My bank account was hacked and my debit card was used for numerous transactions without my knowledge, I was also overcharged by merchants I had done business with in the past, I informed the bank of the stolen debit card and phone and asked for account to be locked down until I could review my account and figure out why I was being charged. They then allowed my account to be overdrawn by nearly XXXX dollars after the conversation. They further went on to deny my claims without doing a thorough and legitimate investigation. The balance on this account was nearly XXXX dollars less than a year ago. Im now negative XXXX dollars in this account and i would like to receive all illegitimate transactions back to me immediately. My life savings has been stolen and I truly believe Bank of America has allowed this to happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these purported creditors have violated my right. Under 15 USC 1681, section 602 my right to privacy is insured.

Also under 15 USC 1681, section 604 A, subsection 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B, a creditor my not treat a payment on a credit card account under an open and consumer credit plan as late for any reason. 
I demand all unauthorized recordings on my credit record to be removed immediately. I did not give written consent or instructions to do include these recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Never received any communication from the company that they were trying to collect on a debt. Didnt have the opportunity to dispute before it went on my credit report. And to top it off the debt is not valid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
I am disputing following companies for unauthorized inquiries I had no knowledge of up until this point. I am a victim of identity theft and will provide docs of the many submissions i have placed to prove that my account has been tampered and. I am trying to clear my report and this includes erasing these inquiries that wasnt authorized by me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation