vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late. 

XXXX OF XXXX - XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XXXX XXXX 30 to 60 days late XX/XX/XXXX XX/XX/XXXX days late XXXX XXXX, XXXX XXXX XXXX 30 XXXX 60 days XX/XX/XXXX XX/XX/XXXX days I was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late. 

DEPT OF ED/XXXX - XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XXXX XXXX XXXX XXXX XXXX days late XX/XX/XXXX XX/XX/XXXX days late XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX days XX/XX/XXXX XX/XX/XXXX days I was never 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 2023-07-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 US 1681 section 604a section 2 it also states a consumer reporting agency can not furnish and account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. I have disputed these inaccurate items several times and have yet to receive any responses or documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSI Enterprises, Inc.
State: MD

Complaint narrative:
On XX/XX/2023, I received a letter via mail from RSI Enterprises regarding an alleged Medical debt owed to XXXX XXXX XXXX XXXX. The letter claimed I owed a debt of {$120.00} and a second debt of {$170.00} On XX/XX/2023, I sent a letter requesting the debt be verified and for RSI Enterprises to provide the name, address, account number, and the amount owed. I requested additional details about the debt including the age and amount of this debt and a copy of the last billing statement from the original creditor any interest added or payments made since the last billing statement and the legal authorization of this interest. As well as the date the date became delinquent. 

On XX/XX/2023, I received another letter via mail from RSI Enterprises claiming that the alleged debt was now collectable. The debt collector now claimed the alleged debt amount to be {$280.00}. 

RSI Enterprises did not provide any of the information I had requested within my rights. They did not validate the debt and the amount had now changed. The debt collector violated CFBP law because they did not provide any information in response to the debt validation letter and were claiming the alleged debt was collectable. 

On XX/XX/2023, I sent another letter to the debt collector letting them know that they had not validated the alleged debt and were in violation of Federal law. 

On XX/XX/2023, RSI Enterprises sent me another letter claiming I owe and alleged debt to XXXX XXXX XXXX XXXX XXXX. The letter included a medical statement which contains the wrong address, wrong name and is not my debt. 

I filling a complaint about this debt collector as they are sending me debt which is inaccurate and have not been able to respond and validate any debt as previously requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: NC

Complaint narrative:
I have been trying to cash out my money from cash app for the last 5 days which has now affected my credit because of their negligence. It is now adversely affecting me financially because they are not releasing my almost {$5000.00} of my money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: AL

Complaint narrative:
The Hard Inquiries that is reporting on my credit report is affecting me from getting approve for a credit card, and i dont recognize the inquiries this is a diect violation against my consumer rights i never gave my consent or permission for these Hard inquiries to be furnish on my report this Fraud and I need the CFPB to resolve this issue.

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 2023-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Equity Auto Finance, Inc.
State: FL

Complaint narrative:
on XX/XX/XXXX i XXXX XXXX entered installment contract ( # XXXX ) ( ACCOUNT : XXXX ) with finance company ( EQUITY AUTO FINANCE INC ) AND DEALER/SELLER ( XXXX XXXX XXXX XXXX ) AT ADDRESS : ( XXXX XXXX XXXX XXXX, XXXX, FL,XXXX. ON XX/XX/XXXX I EXERCISE MY RIGHT TO RESCIND CONTRACT ( # XXXX ) ACCOUNT : XXXX FOR AT LEAST THE FOLLOWING REASONS : WAS NOT PROVIDED WITH THE TYPE OF NOTICE OF MY RIGHT OF RESCISSION UNDER THE " TILA '' TRUTH IN LENDING ACT 12 CFR 226.23, 15 U.S. Code 1635. FINANCE COMPANY ( EQUITY AUTO FINANCE INC ) RESPONDED XX/XX/XXXX VIA TEXT MESSAGE TO HAVE MY LAWYER CONTACT THEIR ATTORNEY. I RESPONDED HAVE YOUR ATTORNEY GET IN CONTACT WITH ME AND PROVIDED MY EMAIL. THE EMAIL PROVIDED BY XXXX AT EQUITY AUTO FINANCE IS XXXX XXXX  XXXX ( XXXX ). THEIR ATTORNEY WAS CONTACTED TWICE AND DID NOT RESPOND. PLEASE BE AWARE THAT AFTER 20 DAYS LEGAL ACTION WILL BE TAKING PLACE IF CREDITOR DONT COMPLPY OR AGREE TO RETURN ALL EARNEST MONEY IN CLUDING DOWN PAYMENT. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: UPGRADE, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 U.S.C. 1681 Section 602 that states I have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ), states a consumer reporting agency can not furnish an account without my written instructions.

Under 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
Consumer complaint received 2023-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One closed the account. They were accusing someone of being abusive when the employees do not listen and talk over the customer nonstop. The company NEEDS TO STOP SENDING MY ITEMS!! THEY NEED TO STOP XXXX AND XXXX things to my parents house. THE COMPANY NEEDS TO STOP! 

If they continue to harass me they will have charges filed against them! I offered to settle the accounts with them, and they REFUSED payment. They need to stop asking me for money at this point! You were given the opportunity to resolve it! NOW LEAVE ME ALONE, CAPITAL ONE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX I have reported all to the ftc and XXXX, Equifax, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony, Bank discount tire had Called me for a while reporting that I was past due on my credit card payment. I explained to them with the dispute team that this was not my account I was unfamiliar of this being opened in my name, and my information, and then being used. They said ok thank you and closed it all out. Yesterday I received a letter stating that I received goods or benefited from the account and they re-opened it, stating I still owe them money. I have had several issues with identity theft and continue to struggle with getting my information clear. I called them again today to try and dispute it again letting them know that I did not open a credit card nor did I even apply for a card. I will continue to fight this until it is appropriately resolved. I have a XXXX  XXXX XXXX and nothing close to the vehicle they stated was worked on. This has significantly impacted my credit 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 explanation
Consumer complaint received 2023-07-01 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: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
On XX/XX/2023, I went to the car dealership XXXX XXXX to purchase a vehicle. Before going to the dealership, I applied for financing via their website. I did so because I was told this would preapprove my auto loan and prevent the dealer from having to run inquiries on my report for a loan. 

2 weeks after the vehicle purchase I received multiple letters from different financing companies claiming I had requested a credit inquiry. I investigated further into the issue and found that the dealership and put 12 inquiries on my credit report without my consent. 

I have attempted to call the dealership multiple times in an attempt to reach the finance director to request a deletion letter to remove the inquiries from my credit report. 

I reached out to all 3 credit bureau with little success. The bureau 's claim I need to deletion letter from the dealership since I did not consent to the inquiries. 

I am submitting a complaint because the dealership refuses to answer any of my phone calls or voicemails

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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 US 1681 section 604a section 2 it also states a consumer reporting agency can not furnish and account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. I have disputed these inaccurate items several times and have yet to receive any responses or documentation.

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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 US 1681 section 604a section 2 it also states a consumer reporting agency can not furnish and account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. I have disputed these inaccurate items several times and have yet to receive any responses or documentation.

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 2023-07-01 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: NJ

Complaint narrative:
on XX/XX/XXXX and XX/XX/XXXX Trans union is reporting inquiries from companies I never tried to receive credit from and I do not recognize. 
XX/XX/XXXX : XXXX? XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX  I have contacted the companies and they have no records of me applying for credit nor do they have any accounts open in my name. They directed me to contact Transunion. I have called and wrote and they still haven't removed these fraudulent inquiries

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 2023-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
ChexSystems XXXX XXXX card was stolen and i am now in ChexSystems because of fraudulent accounts opened in my name.

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 2023-07-01 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: M&T BANK CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 U.S.C. 1681 Section 602 that states I have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ), states a consumer reporting agency can not furnish an account without my written instructions.

Under 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 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 2023-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: FL

Complaint narrative:
The fees that we charged from the auto loan from Global Lending Services exceeded the amount and timeframe of the loan. The loan should have been paid off and due to extraneous fees the loan was extended beyond the worth or value of the car. Not to mention the {$5000.00} that was spent on the car after the major manufacturer defect found on the car which consisted of the persistent money being spent on the car which should have been considered a lemon after so many recalls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
When I got the got the card before I used it I got a fraud larer. I call and activate the card and was told it was a fraudulent letter. It was mid XX/XX/2023 I then try to use the card and it's declined I call and I'm told I have to go to the bank this was between XXXX XXXX on XX/XX/XXXX I spend the whole day at the bank. I was not told I would need an appointment nor did the banker at the bank told me I would be waiting for over 3hr. But I waited, told it's fix and my information is update I go use it and it's block and I have to call again and told again it's fix and it work then this all happened on same day XX/XX/23. Today XXXX XXXX  it gets block again I'm on the phone for over 3 hr. I keep getting hung up or transfer. I'm told it can take 60days before a update phone is fully verified for them to send passcode to do. No back up system but go back to the bank. I'm told call back using their online XXXX XXXX that way we can verify your account and have access. I call back no I'm told that was miss information they have to do passcode it can take 60days but my promotional offer end in 60 their reply you have talk to customer service. I say I want to close my account okay I can do. I ask to speak to a supervisor because if they can close a account then that mean they can unlock it. I'm told samething since they can't send a passcode I have to go bank to the bank. I tell him to close account he tell me it can't be close because I owe a balance. I tell him no he can close that account and bill me. He claims he can't & I have to be transferred I get disconnected. I call back I'm told I was told to go to the bank to close the account. I told her this is 4th person I was not told that a supervisor told me he was transferring me to someone who can, she hung up. On the 7th person I get someone who finally close my account. They had no trouble verifying me in closing it out. This is extremely poor service for a brand new account. Horrible customer service kept being transferred. Kept being hung up to a point where I got so irate. I snapped at the agent and then they finally closed it. Each time I had to call back I had to wait 30 minutes and then when I was transferred to a different department that was an additional 30 minutes. I understand they were busy but this was ridiculous. Each time I talk to someone my hold time was 30 minutes before they pick up. It was only on my seventh try did I I got someone who finally did something.

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 2023-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently tried to get a loan I could not Ive never had a credit card in my life at all Im trying to establish credit or see my credit score at least and I can not for 5 months my score said XXXX completely now it all of a sudden has plus XXXX point what is that? Why does everyone that does not even work that I know can get a car or credit card or a loan and yet I work and pay taxes every year and my scores are garbage frozen or not available? I want this to be fixed next im getting an attorney!

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 2023-07-01 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: MOHELA
State: IL

Complaint narrative:
XX/XX/2023 I filed a disputed through XXXX in reference to an account that has been placed on my credit account with out my authorization. 

I also informed XXXX that this debt or loan agency I did not authorize and that It was not mines. 

XXXX did send me a letter stating that this information is accurate which it is not. 

I have also filed another dispute in reference to this account that I did not authorize, MOHELA dept today. Date of XX/XX/2023 I, XXXX XXXX XXXX certify that I served my complaint documents to the appropriate addressee by depositing the same in the United States with proper postage prepaid and properly addresses or by email in accordance with the Administrative Procedure Act, 5 ILCS 100/10-25, Section 10-75, on XX/XX/2023 Thank you, Best and kind regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: LA

Complaint narrative:
OnXX/XX/XXXX I received the email from time banking that my account was suspended for unknown reasons to me. I called the customer service for the past 3 days to get this situation resolved. They had given me nothing but the runaround, I even work with the company when sending it important documentation to verify that there wasn't any fraudulent action going on with my account. My account went for being suspended to close and now I can't get the money that I have in any of my. XXXX has officially left me out here struggling to take care of myself I'll come able to get my next paycheck. I have almost {$900.00} worth for funds that they need to send me immediately.

Company response to consumer: Closed with monetary relief