vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
I underwent XXXX in XX/XX/2023. Received bill from my physician and paid full amount. Discovered that physicians office submitted to wrong insurance provider so no insurance paid. We provided corrected information, they submitted for and received insurance payment. 

We were due a refund of {$1000.00}. 

We received a PrePaid Debit Card in that amount issued by Fifth Third Bank. 

We did not authorize creation of that prepaid card and expected our refund in the form of a check. Since the funds are held in an account that I did not authorize, nor can I fully control use of the funds in that account. This is a blatant abuse of power and misuse of my funds. 

The bank and the physicians office appear to be the ones benefiting from this arrangement. They are earning interest on my funds while I can not access and put those funds to use to earn interest for myself. 

The physicians office is XXXX XXXX XXXX ; the physician is XXXX XXXX. I've contacted them directly and asked for a refund in the form of a check and was told NO. 

I will be contacting the State of Washington Attorney Generals ' office as well If you need additional information please contact me and I will be happy to provide anything you might need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: MO

Complaint narrative:
Please remove hard inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
I requested a copy of my credit report and noticed I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters on XX/XX/2023 without a response. I really would like help in this matter. The misleading information is causing me financial stress.

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 2023-10-23 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: TX

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account 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 non-monetary relief
Consumer complaint received 2023-10-23 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: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have called this company multiple times over the past 6 months or so. They refuse to even consider speaking with me about the account even though they have all of my information and opened the account. 

The issue seems to be identity verification. I am only missing XXXX piece of information which is a copy of my social security card. Because of this and only this the company is unwilling to speak to me about the account including disputing a fraudulent charge on the account in the amount of approximately {$200.00}. Because of this issue the balance has ballooned to {$380.00}. This is the credit card company 's issue because they have been unwilling to speak with me about the account but keep demanding payment like clockwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX I paid off the remainder of my car loan with Toyota financial. I was told it would take a month from the paid date for it to process. After more than a month I called to find out what was happening and when the title would arrive. I was then told that I hadnt requested the title and it hadnt been sent. I thought this was odd that I paid it off and didnt just get it sent out, but I went on to request it. This was XX/XX/XXXX. I was again told to expect it to be up to 30 business days to arrive. I called weekly for updates until I was finally told to it would be to me by XX/XX/XXXX and if it wasnt to call. I called on the XXXX when I hadnt received it still. They told me me they werent sure what was happening and that they didnt know where it was. I was told by the XXXX XXXXXXXX XXXX that the Lien hadnt been released so I shared this with Toyota financial and they put in a request for a lien release but was again told it could be up to 30 days. I paid this off in early XXXX and I really need the title to the car and have completely lost faith that the issue is going to resolved by Toyota Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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:
I request a copy of the original contracts from XXXX XXXX XXXX and XXXX XXXX XXXX. My information was also leaked by one of the companies involved

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 2023-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
I have had several conversations with customer service at Mohela ; on XX/XX/XXXX, I spoke with XXXX ; on XX/XX/XXXX, I Blessing ; on XX/XX/XXXX, I spoke with XXXX ; on XX/XX/XXXX, I talked to XXXX, and on XX/XX/XXXX with XXXX, and each time the customer service representative quoted a different amount to repay. I only have XXXX loans and XXXX parent plus loan. Mohela 's customer service representative quoted that the XXXX loans placed on the savings plan would be XXXX, and the parent plus loan would be on an XXXX plan, costing XXXX. The customer service representative told me the XXXX loans would cost XXXX, and my parent plus loan would cost XXXX. I am a state employee, and I can't afford to make that payment. I need to resolve the issue to make payments on my student loan. As it stands now, they are saying I am past due, although a forbearance was requested and issued by the customer service representative on XX/XX/XXXX. I waited on the phone for over XXXX hours each time I spoke with a representative. Each representative was in training and could not assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: MA

Complaint narrative:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
There are inaccurate names and addresses on my credit report that is has not been legally authorized by me and is out of compliance with the FCRA I did not give legal authorization to the unauthorized inaccurate names and addresses information. 
Here are the following please block and delete : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX A XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX only name XXXX XXXX XXXX, and my only XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX 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 2023-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
purported letter from chase bank XXXX XXXX wanting {$80.00} and ssn.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX WHAT I WROTE TO DISCOVER CARD AFTER I WAS DENIED OF MY UNLIMITED CREDIT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Florida XXXX XXXX Discover card XXXX XXXX XXXX XXXX, DE XXXX Subject : Denial of Credit Violation of Equal Credit Opportunity Act and Consumer Credit Protection Act Dear Sir/Madam, I write to bring to your attention a serious matter regarding the denial of my access to credit, which I believe constitutes an act of discrimination under the provisions of the Equal Credit Opportunity Act. As an attorney in fact for XXXX XXXX, I am compelled to address this issue on his behalf. 

Regardless of the reasons for the denial of credit, it is important to note that under the Equal Credit Opportunity Act, individuals have the right to receive fair and equal access to credit. By withholding XXXX XXXX 's access to his securities, it appears to be a violation of both the Equal Credit Opportunity Act and the Consumer Credit Protection Act. 

I hereby request that you rectify this situation by retracting XXXX XXXX 's credit application, as it is evident that his rights under the aforementioned acts have been violated. It is imperative that Discover card, as a reputable financial institution, upholds its legal obligations and ensures equal treatment and opportunities for all consumers. 

I trust that you will promptly address this matter and provide a written confirmation of the retraction of the credit application to avoid any further legal action. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX Attorney in Fact for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. ALLY FINANCIAL account # XXXX claimant 's offer to perform ( pay with FRNs ) upon REMOVAL OF LATE PAYMENT. PURSUANT TO TITLE 15 U.S. CODE 1666b ( a ) A creditor may not treat a payment on a open account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title. I have received my credit report, from XXXX, XXXX and XXXX. I have contacted ALLY numerous times and even disputed it with the Credit Bureau. I am requesting a goodwill adjustment to remove the late payment in order to re- finance my home. I know this request is unusual, but it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time. The late payment is reported to XXXX, XXXX and XXXX XXXX and I am requesting removal of this one 30 day late payment ( XX/XX/2023 ), as it has been reported to the bureau 's. Please remove XXXX payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
XX/XX/XXXX {$31000.00} The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX bank XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of XXXX, and canceled United States stamps. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/23 I used my cash app debit card at the ATM located in the XXXX at XXXX XXXX XXXX, XXXX The ATM stopped working and failed to dispense the funds for my {$60.00} transaction. XXXX employees confirmed the failed transaction. We called the ATM company and they also confirmed the failed transaction. 
Cash app completed the transaction and paid out on the {$60.00}. + $ XXXX {$62.00} the {$62.00} was removed from my account. I don't understand how cash app was able to complete the transaction and pay out the money when the transaction at the ATM was never completed. 
Cash app refused to provide the {$62.00} provisional credit and tells me that it's going to take 45 days to complete. 

It's a very simple process to verify the transaction with the ATM company. 
I don't think cash app is handling my claim and that's why they did not want to provide provisional credit and why they can't give me an update. 
They refuse to let me talk to someone in the claims dept as well. 
They hang up on me after telling me that they cant provide any documentation or information on my claim. 
Their behavior when handling my claim is very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: GA

Complaint narrative:
In accordance with the fair credit reporting act. The list accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, Avant # 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 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 2023-10-23 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: NJ

Complaint narrative:
This information is incorrect in my report. REMOVE THIS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/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 2023-10-23 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal dispute regarding the inaccurate and misleading information on my credit report. I have recently reviewed my credit report and have identified a significant error in the reporting of four accounts held by XXXX XXXX, each identified by the following account numbers : # XXXX, # XXXX, # XXXX, and # XXXX. It has come to my attention that these accounts are erroneously listed as " open '' when they are, in fact, collections accounts, which should not report as open. 

I respectfully request that you investigate this matter promptly and take the necessary steps to correct the reporting inaccuracies on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The incorrect reporting of these accounts as open severely affects my credit score and financial standing. 

I urge you to take the following actions : Initiate a thorough investigation into the reporting status of the aforementioned XXXX XXXX  accounts. 
Immediately delete these misleading entries from my credit report. 
As per the FCRA, it is your responsibility to conduct an investigation within 30 days of receiving this dispute. I expect a swift resolution to this matter in compliance with federal law. The accurate reporting of my credit information is of paramount importance to my financial well-being, and I believe that addressing these discrepancies is vital in maintaining the integrity of my credit report. 

I kindly request that you provide me with written confirmation once this dispute has been resolved, and the necessary corrections and deletions have been made to my credit report. 

Thank you for your immediate attention to this issue. I trust that you will act promptly and decisively to rectify these inaccuracies and ensure the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief