vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : Toyota Motor Credit XXXX Your company is in clear violation of the Gramm-Leach Act I was not given the opportunity to opt out by law the XXXX XXXX XXXX was supposed to provide various notices and meet specific opt-out requirements which they have not Title V, Subtitle A of the Gramm-Leach-Bliley Act ( GLBA ) 1 governs the treatment of nonpublic personal information about consumers by financial institutions. Section 502 of the Subtitle, subject to certain exceptions, prohibits a financial institution from disclosing nonpublic personal information about a consumer to nonaffiliated third parties, unless ( i ) the institution satisfies various notice and opt-out requirements, and ( ii ) the consumer has not elected to opt out of the disclosure. Section 503 requires the institution to provide notice of its privacy policies and practices to its customers. Section 504 authorizes the issuance of regulations to implement these provisions. change the above late payments from my consumer report to the current this agency is in violation of the Gramm-Leach-Bliley Act Failure to respond satisfactorily with a change to payment status, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, Financial institutions found in violation face fines of {$100000.00} for each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: CORELOGIC INC
State: MD

Complaint narrative:
Credco credit reporting agency is reporting a statement that I did not make. The statement need to be removed from all my credit reports. 

Names : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Work : XXXX Position : XXXX XX/XX/1997 to Present Anything Else is Incorrect

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 2023-03-21 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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 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 or 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 believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: GA

Complaint narrative:
There is an inaccurate account on my credit profile, reporting as XXXX XXXX XXXX XXXX. I have contacted the company and disputed this inaccurate account on several occasions and the account still remains on my credit profile. The company indicates The company that reported the information has certified that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.

The credit reporting bureau needs to provide me with documentation proving the accuracy of the account. This account does not belong to me and needs to be removed. I have not been provided with any documentation such as that which holds my signature indicating that this account is accurate and the company is in violation of my consumer rights.

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 2023-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This complain is related to a previous one ( XXXX ) because I still have not received my money back even if CHASE has everything to do it since XX/XX/2022. 
After the last complain Chase response I contacted the bank-recepient about issuing NULL AND VOID LETTER as Chase mentioned that they don't have it. Bank-recepient responded at the end of XX/XX/2022 and issued the required latter. Since then I have not heard anything from Chase even if Chase is a same part of XXXX  organization as the bank-recepient is. So, Chase just doesn't care about its responsibilities and its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Some one used my card and made unauthorized atm withdraws. I reported it and the bank said since it was used in my area and since it was a chipped card they denied my claim. This is against regulation E

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2023, a payment for XXXX XXXX in the amount of {$96.00} was posted to TD Bank checking account. On XX/XX/2023, I deposited {$260.00} in TD Bank checking account. However on XX/XX/2023 the same transaction was posted again to my checking account which now have my checking account in negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I already tried contacting Square Cash To request a Cash Card and they refused to Send me a Replacement. I waited a week for a response, and they ended up telling me they're unable to verify my Identity while they actually verified my identity. I am a victim of Identity theft but When I ask for a replacement card They refused to even provide that to me in my New York address. Over and over I get a run around and now they refuse to even respond to my email. I am ready to file a Lawsuit due to Non compliant Issuance of a Cash Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: PA

Complaint narrative:
After doing some extensive research on my rights as a consumer, it is to my understanding that you are in violation of the FAIR CREDIT REPORTING ACT on both these accounts. You have violated my rights!

15 U.S.C 1681 section 602 A. States that I have the right to Privacy. 15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting Agency can not furnish an account without my written instructions. 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.

I am demanding this account be updated asap to PAID AS AGREED NEVER LATE ( PAANL ).

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 2023-03-21 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: GA

Complaint narrative:
There is an inaccurate account on my credit profile, reporting as XXXX XXXX XXXX XXXX. I have contacted the company and disputed this inaccurate account on several occasions and the account still remains on my credit profile. The company indicates The company that reported the information has certified that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

The credit reporting bureau needs to provide me with documentation proving the accuracy of the account. This account does not belong to me and needs to be removed. I have not been provided with any documentation such as that which holds my signature indicating that this account is accurate and the company is in violation of my consumer rights.

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 2023-03-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
delete this from my credit report please i pay for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Navient claims that my student loans are Department of Education loans serviced by Navient. Navient claims that as Department of Education loans, my loans are federally guaranteed loans ( e.g., can not be discharged through bankruptcy ), but since they are serviced by Navient I have none of the benefits and protections of of other Department of Education loans ( e.g., no interest accrual on loans during Covid non payment periods ). I accrued thousands of dollars in student loan interest during Covid. I have complained to a Navient about this, that it does not make sense that Navient gets all the federal benefits and protections on my loans and I get none. I do not think this is fair. I have attached communications with Navient regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX XXXX XXXX ( Wells Fargo ) Wells Fargo 's system is antiquated and very difficult to understand compared to XXXX, XXXX, XXXX XXXX, XXXX, XXXX, etc. Every credit card I have uses the term " Autopay '' to set up automatic payments for my credit card. Wells Fargo has a button called " Frequency '', and I incorrectly assumed that was the autopay feature. I set that up and thought that the minimum payment on my credit card would be made each month. I only learned that wasn't the case when my credit score dropped XXXX POINTS because of my first late payment. I spent a week trying to get connected to someone within the credit reporting department to help me with this issue. They have passed me around from department to department with no real solution on how to resolve this. I am upset because I was not given any notice or opportunity to rectify the situation. 

The other issue is that you have to go into a hidden settings area to turn on any alerts. I have never had to do this with any other credit card I have. The " Payment Due '' and " Payment Not Received '' notifications were off, along with all other useful notifications. I only learned this after 4 customer service 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 2023-03-21 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: FL

Complaint narrative:
First and foremost Ive recently been educating myself in financial literacy and have found out that more than 90 percent of my consumer report has been in violation for the past couple of years. I have made Many attempts to all 3 Agencies via certified mail last year XX/XX/2022 to get back control of my Consumer Report by informing them to Deleting incorrect addresses and informing said Agencies about inaccuracies on my consumer report made by the Persons/Financial institutions Furnishing the Data to these Consumer Reporting Agencies .

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 2023-03-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat u payment on a credit card account under en open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I purchased a Tv from the XXXX website and opted for the finance promotion offered on that website. I have been blocked from logging in online for several months and have not received a statement. The first I have heard from the lender is the delinquency warning which is attached. 

Online lenders should be required to offer acess to make payments online and should not prevent users from registering to view their accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
First and foremost Ive recently been educating myself in financial literacy and have found out that more than 90 percent of my consumer report has been in violation for the past couple of years. I have made Many attempts to all 3 Agencies via certified mail last year XX/XX/ to get back control of my Consumer Report by informing them to Deleting incorrect addresses and informing said Agencies about inaccuracies on my consumer report made by the Persons/Financial institutions Furnishing the Data to these Consumer Reporting Agencies .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: AL

Complaint narrative:
The company did not address the issue about the addresses. Also, the credit bureau will not release my credit report to my lender. Their agent keeps hanging up on me and no one can tell me why my credit report can not be pulled by the lender. When I asked for a supervisor each time I was hung up on. I have called Equifax 8x 's in 4 different days and no one can fix the issues or tell me why the lender keeps getting error messages and fraud alerts when they try to pull my credit using the same information used to verify my identity when I called in. I was placed on hold for an hour every time I called. I really wish i could sue them for damages and the time I am wasting Trying to correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
please can you delete this for my credit report please thi is noooooooooooooo my

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I sent a letter to Portfolio Recovery Associates on XX/XX/XXXX and XX/XX/XXXX. 

Here are my tracking numbers XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX said they completed the investigation and everything was 100 % accurate.

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to?

How did they complete this investigation? 

I also sent letters to XXXX, XXXX, and XXXX regarding the same 2 accounts on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 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 or 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