vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 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:
Please remove these Fraudulent 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: TX

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: Self Financial Inc.
State: PA

Complaint narrative:
CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania, XXXX ( XXXX ) XXXX Dear XXXX, XXXX, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : Self lead bank Amount : {$1600.00} Party Owed : XXXX XXXX card Amount:XXXX I am disputing this claim due to : Payments never were late This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed mav be additional evidence to support my claim. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: MI

Complaint narrative:
Consumer Adjustment Co. contacted my work phone and a third party about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I have never received a validation of this debt or any notice of debt from Consumer Adjustment Co. nor have I ever heard of this debt collection company. I have never been provided any change to dispute this alleged debt due in the amount of {$700.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank overdrew my accounts by {$2000.00} as a result of their own accounting issues. In consequence, I was charged late fee for late credit card payments to the same institution even though I had auto pay. And they have restricted access to my account and money. I have no way to purchase necessities ( food, medicine, travel to work )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been 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 explanation
Consumer complaint received 2023-06-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, issued by XXXX XXXX  and XXXX  of South Dakota, has been removed as a hard pull from both XXXX and XXXX at the request of XXXX XXXX ( see attached email from them ) but still appears on the Experian 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 2023-06-02 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: World Acceptance Corporation
State: SC

Complaint narrative:
I want this stuff gone off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I got a loan for a vehicle XXXX in XX/XX/2022, my first payment was due in XX/XX/2022, I paid it a month early and after this, they proceeded to mark me as late payment, my interest rate as spiked over the agreed interest rate and also dropped and raised again without being in agreement to any such interest rate spikes or regressions. Since the purchase of the car, I have made a total of 15 payments, totaling in at XXXX. The total amount I presently owe towards the car is XXXX, which means out of 15 payments of XXXX only XXXX has actually gone towards my principal. The remaining XXXX has gone towards interest. Not only has this lender been actively engaging in predatory lending they have also proceeded to incessantly call me two times a day if not three, as I had a change in work last year and I fell 1 payment behind, but had caught up 2 months later. I called the lender upon changing jobs and informed them that I wouldn't be able o make the payment that month and that I would plan on making it the following month, which I did. They have since then incessantly harassed me, locked me out of my account several times so that I would call them, Refuse to email me the terms of the loan agreement, its also not available anywhere on my login account on the website. They have also been reporting the history to my credit inaccurately resulting in my credit dropping around 150-100 points and the loan indicating I still owe XXXX on my credit, making It appear as if Ive made no payments resulting in a low XXXX  score and credit score.I feel like these practices are absolutely illegal and I am seeking guidance in proceeding forward with these issues, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: NJ

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please see attached proof of identity, address, and letter.

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 2023-06-02 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XXXX I deposited a cashier check from my XXXX account into my TD  account. I was not made aware of a hold being placed at the time of deposit as it was a certified check governed under reg cc. 

On XXXX I logged into my online banking and noticed that the check was put on an extended 6  day hold. 

I called into customer service and they said that this was a regular check and they had the right to hold the check for 6 business days. When I informed them that this was a certified check from XXXX and per reg cc on the XXXX XXXX  website item # 7 clearly states they can not legally hold a cashier check for more than 2 business days. Some verbiage around cashiers checks stated that under XXXX  must be made available on the next business day. The rep put me on hold came back said the supervisor put a request in to release but it may or may not happen and the hold would have to stay on for 6 business days. 

I again referenced the XXXX website and provided the specific article number the rep told me I was wrong and that is not TDs policy. I asked to speak to a a supervisor who said the same thing and that TD policy supersedes that. When I stated ive worked as a branch manager for over a decade for a bank and that every bank teaches there associates about the basic rules and regs primarily XXXX XXXX the supervisor XXXX indicated that she was not going to get into legal stuff with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment.

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 2023-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
My son attended XXXX XXXX XXXX XXXX for several years as a XXXX XXXX. He had several services rendered under my insurance ( MEDICAID ), they referred him twice for XXXX  and we were told it wouldn't be covered by the insurance that I have. After the second consultation which was because the prior one expired due to length in time since my decline, his father and the company setup payment arrangements. 

I believe the insurance used was XXXX or whatever system he signed up for, I do not know the details since I declined and did not have any part in the service agreement. I spoke with the both managers at the practice over the last two years on both sides regarding the issue. I advised them of the concern and was told that due to account setup they couldn't list both parties. In speaking with the manager of XXXX XXXX it was verified that medicaid was listed for his office XXXX exams and visits. In speaking with XXXX manager I continuously was given the run around and redirected to billing and asked for court documents which were provided several times. The facility sent the debt to collection in my name and still to this day I have yet to see a service agreement with terms, conditions or my signature. I spoke to the debt collector yesterday whom was not advised nor aware of the matter and stated that they would need to pull back the debt or we would need to go through court.

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 2023-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: DE

Complaint narrative:
I defaulted on my loan and it was entirely my fault that I'll accept. I was given XXXX days to come up with XXXX dollars to get my vehicle back. So I did just that I gathered my things and came up with the money. I Paid title max and received confirmation numbers for the payment that was broken into XXXX. An unfortunate turn of events landed me in the hospital. When I got out a day later they came in the middle of the night. Their repo man drug my car in park XXXX yards wheels locked. Never coming to the door or asking for the keys. They came to get my car from a location not listed on any of my paperwork. And stated that the tow truck seen my car and must of followed me here. This after i called and told them I knew they placed a tracker on my car. Also that i knew the driver and was aware of prior uses of such. Side note they placement of a tracker in Delaware is illegal. However the followed me here story is not true. My neighborhood where i currently reside has cameras facing the main and only entrance and no truck was seen entering behind or passing so entrance. Conclusion they lied. Reason for all this XXXX was. They said my payment came back as fraud but yet i had confirmation numbers and never heard of so fraud until after they repossessed the vehicle. So they took my car and told me I had to have XXXX in XXXX days after already giving them XXXX on a XXXX dollar loan. Sold I could not meet that deadline or astronomical amount. So I recieved a letter stating my car was sold for XXXX and that Title Max had the right to pursue leftover amount if I filed a lawsuit. I found that odd. Until a few days after recieveing that letter i recieved XXXX about a data breach. And then it made sense. Theyre basically trying to blackmail me into not filling a suit against them for the tracker the breach and they're complete and utter unprofessional practices. All of this i will present to the Attorney Generals office, the XXXX XXXX XXXX, local news outlets, and Delaware XXXX XXXX letters, paperwork, and communications ive had with title max. I also will be placing a notice on my familys businesses marquee sign stating theyre fraud as well. To me whomever is reading this may seem abysmal but with XXXX cars a day going by reading it. My aim is to try to keep others from experiencing the hardships ive endured because of all this nonsense. I lost my vehicle due to their lack of and therefor careless mistakes. Don't understand how payments just dissappear and now my vehicle is gone for their XXXX up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I used my XXXX XXXX XXXX to replaced my old XXXX XXXX XXXX XXXX. XXXX sent me a new XXXX XXXX XXXX  XXXX by holding {$1000.00} until they received old broken XXXX XXXX XXXX  XXXX in last week of XX/XX/2023. XXXX acknowledged via email on XXXX XXXX that they received old XXXX XXXX XXXX  XXXX. 

I waited around two months apple to release {$1000.00} hold money. Since I didn't get the hold money, I contacted XXXX customer service. Since there are so many division within XXXX, customer services keep transfer me to different division of XXXX but non of them able to refund the money. After I tried to called XXXX multiple times, I decided to contact my bank ( wells Fargo ) to report an authorized purchase. Well Fargo initially return the money, but reverse their decision first on ground of no proof of the purchase product returned. Once I gave them proof of return the product, they denied again with ground of outside 120 days wells Fargo to initiate dispute with seller. When I told the wells Fargo escalating team customer service member that, I filled on time the claim and it is wells Fargo responsibility to dispute with the seller within legally allowed time frame, the supervisor hung up the call on 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 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
I opened cash app to deposit money and was given a message that my account had been closed for using crypto funds from cash app for online gambling. I have never transfered any funds from Cash app to any online casino account. I have sent crypto currency purchased on cash app to my own personal crypto currency wallet. I have attempted to speak with support and no one gets on to speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been 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 explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IA

Complaint narrative:
I bought a car from XXXX XXXX online after I saw The campaign on XXXX and XXXX,. I paid her {$4600.00} trough Cash app domestic money service company. She took my money and run away. I paid {$4600.00} for the car and shipping, XXXX took my money and run away. I cancelled the order and requested refund but never hear from him /her. I contacted him/her for via phone, and XXXX but no answer. The whatsapps of the scammer are : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I used cash app to pay the amount of {$4600.00}. I reported my case to cash app support team, FBI, POLICE and FTC. 
My police report number XXXX My FTC fraud report number XXXX I submitted dispute through my banks, XXXX and XXXX, banks i linked to cash app to pay but they are unable to get my money back so far. 
For more infos please feel free to contact me via email or phone ; XXXX or XXXX XXXX XXXX Not just She has scammed me but she or he has stolen my Identity too, The copy of my driver license. 
Thanks.

Company response to consumer: Closed with explanation