vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
This people are thief 's and don't stop ripping off people out why? 
Before my last payment that must be XX/XX/XXXX Acct # : XXXXXXXX XXXX : XXXX. 
I contacted Southeast Toyota Financial to let them know that this month will be my last payment but instead of Amount : {$210.00}, will be only {$180.00} since that was my last payment pay off I contacted one month before XX/XX/XXXX. 
Contacted several times through the internet but like I said the don't care, I'm wondering if the consumer financial pretention bureau care or just I'm wasting my time here since there are thousand of people complaining to Southeast Toyota Financial but they keep doing damage to us. 
Today after I did my last payment my balance is Principal Balance : ( {$30.00} ) so I asked to be refunded into my account but the problem continue since Southeast Toyota Financial is posted in their website that my next payment of {$210.00}, will be at XXXX XXXX XXXXXX/XX/XXXX please STOP THIS XXXX manipulation from this company now! thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: Chime Financial Inc
State: SC

Complaint narrative:
I disputed 4 foreign transactions with Chime on XX/XX/XXXX. I was informed on XX/XX/XXXX they completed their investigation and determined that no error occurred and that I could submit a rebuttal. I received another notice on XX/XX/XXXX stating again they determined that no error had occurred. I demanded all documentation and information that they used to make a determination in this matter. On XX/XX/XXXX, I received from Chime a document link which purported to contain this information, however they erroneously sent me a password protected file. I now emailed Chimes member services over 10 times and have spoken with them on the telephone twice however there exists no interest to resolve this matter on their end and provide me with this documentation. Emails have been met with nonsensical form letter responses and telephone support has been no help at all. Appears this is a willful violation of Regulation E on the failure to provide within 10 days evidence of their investigation and also to properly credit my account regarding my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-04-12 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:
accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-12 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: GA

Complaint narrative:
In accordance with the Fair Credit reporting Act, XXXX XXXX {$3000.00} # XXXX, XXXX XXXX {$600.00} # XXXX has violated my rights. 15 U.S.C. 1681 Section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer agency can not furnish an account without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2003 Navy federal bank in XXXX Va violated my ADA rights by refusing to let me into the bank to deposit a check and refused to let me withdraw money from my savings account. I dont have a bank card and Im in a wheelchair

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: OH

Complaint narrative:
I recently obtained a copy of my credit report and found XXXX XXXX XXXX is reporting on my credit report inaccurately. According to 42 US Code 1320d-6 WRONGFUL disclosure of individually identifiable health information, this is a VIOLATION OF CONSUMER RIGHTS! 

This 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 non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/2023, I submitted the requisite documentation request for an extension of my Simple Interest Installment Loan. The request was made due to my recent diagnosis with XXXX and a XXXX disorder. I had previously been informed of my eligibility for the extension, but subsequent communication with a customer service representative was not favorable. The representative 's behavior was unprofessional, and I strongly advise that the company consider improving their training. After the unsatisfactory interaction, I was informed that I needed to submit a form to process my request. Accordingly, I completed and submitted the form on XX/XX/2023, providing all necessary information. I was issued a confirmation number ( XXXX ), which indicated that my form had been received and was under review. I was advised that I would be notified of the status within the next three business days. 

I would like to point out that I submitted a promise to pay as well since I was behind on my payments due to the aforementioned circumstances. The cost of my XXXX medication has increased significantly, and it is the only medication that works for me. Despite my best efforts to stay current with my payments and cooperate with the company, I have not received any timely communication from them. I have made several attempts to reach out to them, but to no avail. Given the misinformation I received earlier and my proactive efforts to resolve the issue, I am requesting that my request for an extension be approved promptly.

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 2023-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: NY

Complaint narrative:
Good morning my name is XXXX XXXX, when I recently checked my credit report, I found several unknown inquiries for personal loan, and recently somebody successfully obtained XXXX XXXX XXXX  personal loan under my name from US Bank. Additionally, I do not live in United States and, I am not citizen or permanent resident, last time I visited US was in 2021 ( all supporting documents in attachments ). This situation is feels like my identity have been stolen to do this criminal activity, that is why I have filed identity theft report and police report. Reason for filing this report is to ask US Bank to investigate this situation and help me to recover from this situation. Below are the details of that account US Bank loan number : XXXX First and last name of victim : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. State 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 wriiten 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 2023-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: MI

Complaint narrative:
On XXXX  I paid {$1000.00} toward my principal which left a balance of {$580.00}. I had already paid my current bill of # XXXX on XX/XX/. I am being harassed to pay {$340.00} for which I am paid in advance. 

I request an investigation be done to correct this error and stop this damage to my credit report. 

Respectfully, XXXX XXXX XXXX Account : XXXXAutoPay Unavailable Amount Due Immediately {$340.00} AutoPay Status Payoff  Amount {$580.00} Payoff Good XXXX XXXX XXXX Monthly Payment Amount {$340.00} Last Payment Received {$1000.00} Account Details View Latest Statement Total Amount Due {$680.00} Amount Past Due ( Due Now ) {$340.00} Next Payment Due ( XXXX XXXX XXXX ) {$680.00} Account : XXXX Manage Account Communication Settings Statement History Payment History Account Settings

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 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I was never able to use this card one time. It has a block on it for 3 months. The bank requested I send them a copy of my driver 's license. I already did that 4 times via fax and postal mail. They still did not remove the block and i already had to pay {$76.00} in fees and can not use this card. It is called Indigo Mastercard issued by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
The credit bureaus are in violation of the Fair Credit Reporting act 15 U.S.C by placing inaccurate information on my credit report without my authorization. The negative items placed on my credit report in error is with the original creditors American Express and XXXX. I have settled this debt with the creditors however they are still reporting it on my credit which has caused my credit to be affected drastically. Due to these items being placed on my credit report in error has caused me to be denied for other places to live. This has caused a major inconvenience. Please reference my credit report to see negative items reflected. Therefore I am requesting to file a complaint against the credit bureaus to have any/all negative, unverifiable, erroneous items affecting on my credit report and removed from my credit file which is my consumer right per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have submitted at least 8 disputes this year to XXXX and XXXX regarding a duplicate account on my report they have never investigated this fully and when they do the account gets removed only to be put back on my report the next month the account with Pro Collect is for the same amount to report it twice the company XXXX XXXX changed the date of the amount which is also not correct. After multiple complaints to the credit agencies and PC they say they will fix it but never have and this has been going on for over a year. A duplicate account is on my reports from Pro Collect and the agencies refuse to properly investigate 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 2023-04-12 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: NJ

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-12 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: AL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-12 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: TX

Complaint narrative:
Hello, Please review and process the attached identity theft document regarding XXXX XXXX XXXX XXXX from my understanding, this account should be removed from my credit report within 4 days. 

Also, I've request to have unauthorized inquires removed from my credit report as well. ( attached to identity theft report ) Lastly, regarding XXXX ( XXXX ), TransUnion - could you please update my credit limit to {$6000.00}, as its showing incorrectly on your platform- I've reached out twice to get this updated and you've requested that I contact the company, which I've done so and this still have not been updated. Please get this updated as this is affecting my credit report and score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: College Ave Student Loan Servicing, LLC
State: MI

Complaint narrative:
I am being billed for a loan that I was rejected because of no Social Security card. Months later I received a statement in the mail owing {$10000.00} under my name XXXX XXXX, XXXX XXXX, XXXX, MI XXXX from College Ave, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Dept # XXXX, XXXX, PA XXXX. Document ID # XXXX. I did not sign a contract for this loan or any loans. 

I called and e-mailed College Ave to send me a copy of the contract to see signature. Which they refused to send. I filed a police report to a policeman from XXXX XXXX at my home XXXX years ago and was told I may have to take College Ave to court. 

This student Loan I later found out was indeed paid to my XXXX XXXX XXXX without my permission or signature. I am XXXX years old and can not afford to pay on this fraudulent account, as a maker or co-maker. She has XXXX parents. Bill them. 

I am XXXX as well with XXXX XXXX XXXX  years and deep in debt. I want to see proof of my signature. Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
My friend send me {$2000.00} through XXXX on XX/XX/2022. I have a account in Regions Bank.And I didnt received it. I went to my bank and told them the situation and after multiple follow up. They didnt solve my problem. Every 2 weeks a spend hours to talked to them and follow up the case but actually its more than 8 months and they didnt helped me. I provided them the confirmation and claim letter from my friends account and bank said that the money is transferred to my account. But I didnt received 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 2023-04-12 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: TX

Complaint narrative:
Hello, Please review and process the attached identity theft document regarding XXXX XXXX XXXX XXXX from my understanding, this account should be removed from my credit report within 4 days. 

Also, I've request to have unauthorized inquires removed from my credit report as well. ( attached to identity theft report ) Lastly, regarding XXXX ( XXXX ), XXXX - could you please update my credit limit to {$6000.00}, as its showing incorrectly on your platform- I've reached out twice to get this updated and you've requested that I contact the company, which I've done so and this still have not been updated. Please get this updated as this is affecting my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: TX

Complaint narrative:
Hello, Please review and process the attached identity theft document regarding XXXX XXXX XXXX XXXX from my understanding, this account should be removed from my credit report within 4 days. 

Also, I've request to have unauthorized inquires removed from my credit report as well. ( attached to identity theft report ) Lastly, regarding XXXX ( XXXX ), XXXX - could you please update my credit limit to {$6000.00}, as its showing incorrectly on your platform- I've reached out twice to get this updated and you've requested that I contact the company, which I've done so and this still have not been updated. Please get this updated as this is affecting my credit report and score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 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: GA

Complaint narrative:
In accordance with the Fair Credit reporting Act, XXXX XXXX {$3000.00} # XXXX, XXXX XXXX {$600.00} # XXXX has violated my rights. 15 U.S.C. 1681 Section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer agency can not furnish an account without my written consent

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