vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Cash Express, LLC
State: TN

Complaint narrative:
I had a title pawn at cash express in XXXX Tennessee. And I lost my job after I got the loan. And they didn't offer to help me at any rate. After 6 months of paying or more, they were charging me a extra fee. Just because it was 1 day late. My payment was due on the XXXX. They charged me {$650.00} a month on the XXXX. I went to get place a title pawn at cash express in XXXX, and I'll was just going to pawn it for like a {$1000.00}. Well, when she pulled up my truck, that I was pawning and the amount it was worth. She said you can get the max. She pretty much talked me in to taking a maximum payment or a maximum loan. Knowing already had 2 checkloans. That was maxed so my vehicle got repoed. Now I have no truck and I still owe for a check. 
I was never told that I could renew my title loan or never offered any kind of deal with it. So here I am stuck with no truck and out of all that money and probably waiting to hear from them to tell me I owe so much money after it sold., I had paid it down to where i'd paid the interest already off. But they wouldn't help me none. One because they call me every single day of the week. Bugging me and I wouldn't answer every single day. But when I did tell them I had a problem just because I couldn't pay. They didn't offer to help none whatsoever. They even come on, my Private property with no one home to try and get the truck. I have them on camera. I have them on camera without telling me they were coming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
I have had a money Lion bank account for 3 years. I have been trying to get to the bottom of how much money I have invested in my stocks and shares investments and can never get a direct answer. I also have noticed transaction 's that we're processed without my permission and they have withdrawn money from my investment account and sent it to my checking account and I have never seen that money. I believe I'm being scammed and fraudulent activity is going on at this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: GA

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: OH

Complaint narrative:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
BOA called me about my credit card payment. I told them that my husband has been very ill and XXXX co pays and doctor visits prevent me from paying my credit cards at this time. 
On XX/XX/XXXX I was checking my account and saw there was a {$170.00} payment made to my BOA credit card. I called them about it and they said I made the payment which was not true. They said they would refund the money in 7 to 10 business days. After 15 business days I called them again. They said it was done through my bill pay which I do not use. Again was told they would refund the money. I called them back and they told me that since it was done through my bill pay they could not refund the money. I even checked bill pay to make sure that I didn't somehow do it but was sure I do not use it. It said no activity. Now I have overdraft fees and overdraft protection used which brought my credit card over the limit. 
They also used both my husband and my overdraft protection for a joint account we have for the same overdraft so we were both charged on our credit card.

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 2023-08-09 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: VA

Complaint narrative:
Iv'e been putting fourth efforts tireless to correct the CRA 'S and the financial institutions errors concerning my account with certain confidentiality and information i consider private, with my written instructions i expressed to block, reverse, or hide all information containing to my Payment history ( Late Payments ) and Utilization ( My Transactions and Experiences ) due to the CRA 'S and financial institutions Willful non-compliance of not honoring my rights to privacy Pursuant to 15 1681 sec 604 sec ( a ) subsection ( 2 ) its a violation due to them dishonoring my written instructions, my rights to have privacy and 15 usc 1666b the creditors is using my identity without my authority to furnish information i expressed and instructed i do not want reporting or shared with any CRA 'S 1026.12 Special Credit Provisions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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: TX

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.

The letters are stated with items and issues.

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 a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: 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 Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$620.00}. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$380.00}. 

XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$59000.00}. 

XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
I couldn't apply for any loans because of the negative items list on my report that shouldn't be there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-08-09 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:
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.

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 2023-08-09 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: GA

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX  ] [ XXXX, IN, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/2023 ] Customer Service Department Fifth Third Bank [ XXXX XXXX XXXX, XXXX, OH XXXX ] Subject : Request for Assistance with Check Fraud and Reimbursement of {$2500.00} Dear Customer Service Team, I hope this letter finds you well. I am writing to inform you about a concerning situation involving my Fifth Third Bank account. I have recently become a victim of check fraud, and I am seeking your assistance in resolving this issue and requesting reimbursement for the fraudulent transactions. 

On XX/XX/2023 I discovered unauthorized activity on my account involving a fraudulent check that were written in an error of employer and deposited with XXXX XXXX XXXX consent but was no funds in secondary account so XXXX XXXX XXXX accounts at fifth third has a lock and block on card. These transactions also have resulted in a loss of {$2500.00} from my account. I take this matter very seriously and promptly reported the fraudulent activity to the local authorities and obtained an official police report. 

I understand that Fifth Third Bank is committed to safeguarding its customers and providing support in cases of fraudulent activity. I kindly request that you initiate an investigation into the unauthorized transactions on my account and take appropriate measures to secure my account from further breaches. Additionally, I am requesting reimbursement for the full amount of {$2500.00}, which was unlawfully withdrawn from my account due to this fraudulent activity.

Please find attached copies of the relevant documents, including the police report and any other supporting evidence. I am fully cooperating with the authorities and am prepared to provide any additional information required to expedite the investigation.

I trust in Fifth Third Bank 's dedication to maintaining the security of its customers ' accounts and resolving issues promptly. I kindly ask for your assistance and support in this matter. I believe that with your expertise, we can swiftly address this situation and ensure that I am rightfully reimbursed for the unauthorized transactions.

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: EQUIFAX, INC.
State: MO

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 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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America froze my account and is stating that I owe them 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 2023-08-09 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: OH

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 3RD '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
Today, XX/XX/XXXX at XXXX Received phone call today Evergreen debt collection XXXX alleging unpaid medical debts from XXXX. 
Amounts under {$11.00} several totalling less than {$50.00}. One for XXXX cents. 
Never have had original creditor notify me of debts owed and never received documents detailing debts in over 4 years. 
Asked for details of debt to dispute charges by mail ie An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date of occurrence and was told they don't provide that. 
I cited state law and was again told no, they will not provide details only balance due. 
I disputed over phone and asked to be contacted by mail only no longer receiving phone calls.

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 2023-08-09 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: BAY COUNTRYCONSUMER FINANCE,INC.
State: MD

Complaint narrative:
To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/2023, I retrieved a copy of my credit report XXXX and discovered multiple unauthorized trade that I have no knowledge that is on my consumer report. Because I did not apply for credit with BAY COUNTRY CONSUMER FINANCE, INQUIRY DATES : XX/XX/2023. I have also reached out asking that they remove the inquiry from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: DFC Global Corp.
State: CA

Complaint narrative:
I have disputed this SAME collection posting years ago and it was removed. It is not mine. Ive asked for proof to show their validity of placing this Collection on my report and Im not getting that. Just a notice of we are investigating, dont have an update hang tight, to, weve completed our investigation and nothing changes. What was done??? This collection doesnt belong to me. I have not opened ANY ACCOUNT ANYWHERE with an {$8000.00} debt. 
Also, XXXX XXXX canceled my card without notifying me & is blocking my payments through the app so I cant make payments then unfairly reports, no payment on a closed account All of this is unfair and egregiousplease help me get these items removed/resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I tried to dispute a charge with Chime Financial services on Wednesday, XX/XX/XXXX. I contacted chime about an unauthorized transaction in the amount of {$46.00} charged by the app XXXX. I explained that was an unauthorized transaction. I do not use the service and the app charged me without notification. I explained that to chime representatives. I was informed it was denied because of an error. I was denied and investigation causing me to lose {$46.00} at no fault of my own. Chimes practices are very sketchy and unlawful.

Company response to consumer: Closed with explanation