vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
On XX/XX/XXXXXXXX  I sent a endorsed security and 1099A via USPS registered mail # XXXX to U.S. Bank Trust National Association and it was delivered by USPS on XX/XX/XXXX. I also spoke with XXXX XXXX the indenture trustee respective officer on XX/XX/XXXX that provided his email where I also sent copies. According to the most recent Security Agreemeet/XXXX  filings found on the Securities and Exchange Commission official website U.S. Bank Trust National Association is list as the Indenture Trustee for XXXX XXXX XXXX XXXX . I sent both the endorsed security and 1099A so my account can be correct to a {$0.00} balance. Also the transfer agent U.S. Bank Trust National Association received my certificate of indebtness/promissory note and securitied it. Once it was securitized the company was paid in full for the vehicle, while also receiving a cuisp number and trading the security. It is also the responsibility of the Trustee/Indenture Trustee to discharge this debt according to the banking act of 1933.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My fifth third bank checking account continues to be charged overdraft fees because they hold temporary authorizations for over a week. So while these temporary authorizations are being held unfairly, they charge me numerous overdraft fees. Then the transactions inevitably drop off and my account would be positive expect theyve already charged me overdraft fees unfairly. Ive tried with countless supervisors to refund the fees and they wont. They dont care. And when I do the math for them and show how unfair it is they still dont understand or care to give me my money back for the fees. This is unacceptable and robbery. Please do something.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
attached is the CERTIFIED MAIL FROM XXXX XXXX. XXXX is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX Open options Account # XXXXXX/XX/XXXXOpen optionsAccount # XXXX Open options Account # XXXX XX/XX/XXXXOpen options Account # : XXXX XX/XX/XXXX.Open optionsAccount # : XXXX XXXX XXXX XXXX XXXX # XXXXXX/XX/XXXX XXXX XXXX options Account # : XXXX XXXX Open optionsAccount # : XXXXXX/XX/XXXXOpen options Account # XXXX XX/XX/XXXX Open optionsAccount # XXXXXX/XX/XXXX XX/XX/LEADBA Open options Account # XXXXXX/XX/XXXX XX/XX/XXXX Open options Account # XXXX XXXXXX/XX/XXXX XXXX Open options Account # XXXXXX/XX/XXXX XX/XX/XXXXOpen options Account XXXX XXXX XXXX XXXX XXXX options Account # XXXX XXXXXX/XX/XXXX XX/XX/XXXX Open options Account # XXXXXX/XX/XXXX XX/XX/XXXX Open options Account # XX/XX/MRMOTORS MIAMI Dec 17 2021 UNITED AUTO CREDIT CO Dec 17, 2021 ONEMAIN Sep 25, 2021 ONEMAIN FINANCIAL GROU Sep 25, 2021 1ST PREMIER Sep 23, 2021 MERRICK BK Sep 17, 2021 AMEX Sep 5, 2021 These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts 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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
attached is the CERTIFIED MAIL FROM XXXX XXXX. XXXX is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX Open options Account # XXXX XXXXXXXX XXXX XXXXOpen optionsAccount # XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # : XXXX XXXX XXXXOpen optionsAccount # : XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX options Account # : XXXX XXXX Open optionsAccount XXXX XXXX XXXX XXXX XXXX XXXXOpen options Account # XXXX XXXX XXXXXXXX Open optionsAccount # XXXXXXXX XXXX XXXX XXXX  Open options Account # XXXX XXXX XXXX XXXX MISSOURI Open options Account # XXXX XXXX XXXX XXXX XXXX Open options Account # XXXXXXXX XXXX XXXX XXXX Open options Account XXXX XXXX XXXX XXXX XXXX options Account # XXXX XXXXXXXX XXXX XXXX XXXX Open options Account # XXXXXXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: GA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I noticed some inaccurate information on my credit report and went to the annual credit report site to get a copy of my complete consumer report. The site had an error where i couldnt download or view the report at all. I went to request a copy and I sent a letter to XXXX immediately to have it resolved. I haven't gotten a response yet and I need that report immediately as there may be serious issues on the report I need to address.

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 2023-10-19 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: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2023-10-19 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: FL

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 2023-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Axiom Acquisition Ventures, LLC
State: GA

Complaint narrative:
On XX/XX/, I was served court papers of a civil suit claim from AXION AQUISTITION VENTURES LLC to sue me for a debt of {$13000.00}. The debt was purchased from the original creditor XXXX XXXX XXXX XXXX. However, the debt was assigned to a Senior Loss Mitigation Analyst due to insolvency. Once documentation was provided of my Insolvency the ordinal creditor never denied or granted the hardship request. They stopped contact and written the debt off. This is the first instance or knowledge that the debt had been sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Please add and EXTENDED FRAUD ALERT to my Equifax credit report. I have already sent in documents to add it but has not been done yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I called several times on Wednesday XX/XX/2023 to get a credit card decision on a credit card that I applied for online and over and over again I was told I would have to go into a branch in order for it to be processed this is totally unheard of when you apply for this product online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I purchased a vehicle from XXXX XXXX in XXXX of XXXX  and signed a purchase agreement with me as the buyer and XXXX the seller of the vehicle which is a XXXX XXXX once we were done with the agreement I was given the vehicle with out the title keep in mind that a purchase agreement is a security by legal definition which means that it can be sold, transferred and cashed when properly endorsed for payment in full for face value, but for some reason they have been collecting a debt from me because at point I didn't know that I was the originator of the funds at that time, also keep in mind that they state that I have an account open with them and I never agreed to an account being opened which is a form identity theft. I called pertaining to the account and asked them who the original creditor on file to which they informed me that I was in fact the original creditor. Further more I asked that they send me the title of the vehicle to which they have yet to do which they do not have a XXXX public financing statement to. I also sent a cease and desist communication alongside of submitting an identity theft report with the FTC. I myself have filed a XXXX financing statement proving that I am indeed the sole owner of the vehicle with approval of the secretary of state of Georgia. I would really appreciate the start of a thorough investigation.

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 2023-10-19 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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/202XXXX XXXX XXXXXXXX XX/XX/202XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: FL

Complaint narrative:
My chime credit builder card was charged on XXXX and I didnt do it. I looked it up it was sent to California and I live in Florida. It only had my first name on the package. I tried to dispute it twice but they denied it twice saying I made the purchase. XXXX send me a email saying they were suspended the account due to unauthorized activity and I emailed that to chime and I was still denied. The date this happened was XX/XX/XXXX at XXXXXXXX XXXX  for the amount of XXXX. I never made a purchase on XXXX that big. I closed the card and refund to use chime because of this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
These accounts are reported with incorrect information in my report even though they are not mine. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These accounts are reported with incorrect information in my report even though they are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I called Experian to dispute and change dispute status on a few items on credit report and a representative was in the process of verifying my address when she stopped and said she didnt see my address on file and I would have to upload my identifications. I been using Experian for months and never have I had to do this she was talking over me and I requested for a supervisor and was on hold for about 20 minutes. 1. The Experian.com/uplaods do not work on my computer and I complained about that having to send things certified mail. 2. Not having my address or proper information all this time means that my disputes have not been investigated properly cause it keeps coming back remain or validated and according to FCRA sec 623 enforce FACTA 312 if your unable to perform a reasonable investigation then by law you are required to remove the negative items and information off the account. Experian has to be accountable for their actions

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 2023-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-10-19 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I opened an online savings account with XXXX XXXX ( a part of XXXX XXXX ) on XX/XX/23. They approved the account right away and prompted me to deposit the money. I had to wait for them to approve my husband as a joint account holder, and it took them 11 days to do so. Nobody ever questioned our identity at any point during that process. Once he was approved, we sent them the money from another bank. Right away, they froze our online access and would not even give me the reason why. I continuously tried to find out when I would be able to access our account, especially considering that I could not even see if our transfer went through. They denied me access and would not disclose their reasons for blocking me from my online account or give me a timeframe when I could gain access to my own money. 

In the meantime, I did some research on this bank and found hundreds of complaints about this shady practice that followed the exact same scenario. This bank would arrest their customers funds for weeks or even months at a time. Right away, I demanded, via chat with the bank, that my account be closed and our money returned to us. The chat transcript that I saved clearly shows that I was the one closing this account even before there was any money in it. 

They did close my account but sent me a letter saying that it was their initiative, and they reported negative information to the consumer reporting agencies. I was not worried at the time since I did nothing wrong and was not expecting this bank to report anything of that sort. As I just found out, when applying for a checking account with a different bank, and was denied, that apparently, XXXX XXXX reported identity fraud, which is an outright lie as it has never happened. They never even tried to verify my or my husbands identity. This reporting is outrageous, and damaging, and seems to be done with malicious intent to damage my record. The only fraud there was their own when they XXXX our money under the pretense of " reviewing '' the account, for some reason even their representatives could not explain. 

This banks shady practice should not be permitted as they trick their customers into giving them money, and right after the transfer, they block online access to that money.

Company response to consumer: Closed with explanation