vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 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: MN

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted 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 2023-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Purchase of a vehicle XXXX under the name of XXXX XXXX, I was offered of complete services and guarantees, this information was not accurate as I needed the services for my vehicle, I was told that my car does not have any insurance whatsoever, which was offered to me the day I got the vehicle. I noticed that they increased my payment per month, due to the services that were offered to me, but they are not respecting the offer. Therefore the services are not included at all. My current payment is of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - First extended Service XXXX - LIFETIME OIL CONTRACT XXXX ( They omitted information where to perform the services ) -GAP Insurance XXXX Acount number XXXX XXXX There was some sort of attitude from the finance XXXX, when we were making the claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-12-29 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-12-29 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:
Dear CFPB, I am writing to file a complaint against Equifax, XXXX and XXXX for violating the Fair Credit Reporting Act ( FCRA ) and TILA 15 U.S. Code 1666 ( b ) regarding a billing error on my credit report. 

Please see the dispute letters I attached on this complaint. It consist the account details. 

The presence of this inaccurate billing error on my credit report is causing me significant harm, including : 1. Difficulty obtaining credit at favorable rates.

2. Higher interest rates on existing loans.

3. Denial of credit applications for housing, car loans, or other financial products.

4. Damage to my credit reputation.

I urge the CFPB to investigate this matter thoroughly and take appropriate action against the Bureau involved for violating TILA 15 U.S. Code 1666 ( b ) and the FCRA. I request that the CFPB : 1. Order the credit bureau ( s ) to remove the inaccurate billing error from my credit report. 
2. Require the credit bureau ( s ) to provide me with a copy of my updated credit report reflecting the changes.

3. Ensure that the credit bureau ( s ) take all necessary steps to prevent similar errors from occurring in the future.

4. Consider taking further action against the bureau ( s ) for their violations, including potential fines or penalties. 

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 confidentially under 15 USC 1681. 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 has violated my rights. 15 U.S. Code 1681 Section 602 A. states I have right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 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 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 2023-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: FL

Complaint narrative:
Made payment of XXXX on XX/XX/XXXX on xe.com to transfer money to XXXX to my mom. XXXX XXXX XXXX Then they close my account and tell me the money would be returned to me within XXXX business days on XX/XX/XXXXXXXX XXXX XXXX XXXX Never got my money back after that, after reminding them many times on email and call. 


In the below screenshot, you will see name- CONTINENTAL XXXX deducting XXXX from my account, but never returned it. And this is full statement until XXXX XXXX. So no money until then. XXXX XXXX XXXX This one screenshot is just on that money deduction by xe - XXXX XXXX XXXX Who knows how many others they are duping like that?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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:
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 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 explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: DISCOVER BANK
State: IN

Complaint narrative:
The original credito ME is the one thats extending the credit thats creating the debt. 15 USC 1692a ( 4 ) Pursuant to 12 USC 83 banks can't actually loan money ( their own stock ) Pursuant to 12 USC 1431 the role of the bank is not to extend credit, nor loans! Credit is designed to remove obligations and a natural person. is supposed to live free! This is Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: MI

Complaint narrative:
I am requesting that it will be removed from my credit report 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 2023-12-29 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
On XX/XX/2023, I mailed a dispute to clarity credit services. I then called on or about XX/XX/XXXX and they told me they were still working on it. I have yet to get any confirmation that anything was done or worked on. Im getting a little frustrated because I cant get a response.

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 2023-12-29 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: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I send information to resolve the fraud package but XXXX document i suppose send i dont have the document to demostrate where i live exactly at the date like month/day/year with my adress, when ocurred the fraud, And i dont have that documents and i let know the costumer representative Bull citi financial i dont have that information but im gon na check but i already check, and i dont have that document exactly where i live in that month/day/year when thats happen, So i proceed to make this complaint by IDENTITY THEFT.GOV report step by step And this is one of this steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
Pursuant to a conversation with XXXX, at contact number ( XXXX ) XXXX, as I asserted in our conversation on XX/XX/XXXX, I do not deny going to a XXXX XXXX XXXXXXXX XXXX XXXX [ XXXX ] on XX/XX/XXXX, to be treated for XXXX XXXX. The issue I am experiencing with this visit, is not whether or not I am responsible for any cost associated with my visIt, because I am willing to pay, but rather your organization or XXXXXXXX XXXX  XXXX have failed to provide justification in for the extreme charges associated with my emergency room visit, in the form of an itemized statement and/or invoice justifying a bill for {$5800.00}. Per our conversation it was stated the insurance company [ XXXX ] paid out {$830.00}, thereby leaving a balance of {$5000.00}. As I stated, upon arrival to XXXX XXXX XXXXXXXX XXXX XXXX my XXXX was assessed above XXXX, unfortunately, the center did not have any medication to adequately treat my condition, so rather than be honest about the lack of their ability to extend to me adequate treatment, they gave me water to drink throughout the night. No XXXX was administered. A family member came to check on me, and having some understanding of my condition and the seriousness of my condition, left and went home, only to return with some XXXX ( XXXX ) to help bring down my XXXX level. As the evening progressed, it appeared my XXXX level would not come down, to an acceptable level, so I decided to leave ; upon leaving the XXXX XXXX  XXXX XXXX XXXX my XXXX level was XXXX. I left XXXX XXXX XXXX XXXX and went to XXXX XXXX XXXX XXXX ( XXXX ), where they administered XXXX to assist with helping to better my condition, upon leaving XXXX XXXX my XXXX level decreased to XXXX. 

For the fourth time, I am requesting a copy of the itemized statement and/or invoice to justify services or treatments extended to me on XX/XX/XXXX. In addition, I have not at no time, received any correspondence or billing from your organization or XXXXXXXX XXXX XXXX regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: IL

Complaint narrative:
I had disputing this account with XXXX XXXX XXXX multiple times this is not my account I was incarcerated during the times this account was open I has summited multiple supporting documents as well as police report. XXXX and XXXX has already removed this item from my file .everytime I dispute it threw Equifax they say the dnt have my documents on file here I am once again resending the documentsthis account is showing inaccurate such as 13late payments as well as its not my account ..I ask that u removed all late payments or removed whole account this has cause pain and suffering to me. I have file multiple complaints

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
I went online to shop for a honda XXXX XXXX  I received a certified offer to go any dealership to receive the lease for $ XXXX month XXXX miles/ year for XXXX months. When I got in for of the finance person he would not honor the deal. I have a credit score over XXXX and definitely should have received the best financing. However, I believe because I am a XXXXXXXX XXXX I did not receive the financing originally offered online. 

Further, my current lease contains an extra {$50.00} for the Ciry of XXXX were I do not live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IA

Complaint narrative:
My student loan provider is currently Nelnet. I have been making my payments 1 month in advance to cut down on interest paid. On XX/XX/XXXX I made a payment to them for my loans that was not actually due until XXXX because I pay in advance. On XX/XX/XXXX I logged in to make a payment and it told me I had a past due balance. Impossible since the payment I was making in XXXX was actually XX/XX/XXXX payment. I called them XXXX and spent about 1 hour and 13 minutes on the phone. The lady said I had a total of 4 loans and that my payment in XXXX was applied to only 1 loan and the other 3 were not paid so that is why I had a past due balance. She said she would submit a request to fix this but that request would take about 3 weeks to process and then I would be able to make my XXXX payment before the due date and it would no longer reflect that I had a past due balance. Fast forward to today XX/XX/XXXX, I logged in to their website to make a payment and it still showed I had a past due balance. I called them XX/XX/XXXX and literally spent 2 hours and 53 minutes. It was an hour and 20 minutes before someone even picked up. The lady said that the original request sent in on XX/XX/XXXX was not done correctly and then proceeded to say she was submitting a new request for me. After that she proceeded to tell me processing times on these requests are now 7-8 weeks out. I said this was unacceptable and needed this fixed now so I can make my payment and no longer reflect I have a past due balance. I requested a supervisor and waiting on hold even longer. XXXX was the supervisor name and gave me the same information the customer service agent did. That they cant expedite these requests and that they take time. While all this is going on, my account will now reflect 60 days past due in XXXX and who knows if this will even be resolved until XXXX. I just want this fixed so I can pay them the money I owe. While I am not able to make a payment, I am being charged more interest on money that I technically should have already paid but cant until they fix the past due balance. It is unacceptable for them to be this far out on fixing issues. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On Thursday XX/XX/XXXX at XXXX MST my XXXX XXXX was towed out of my driveway. I contacted the local police department to report a theft. The police department suggested I contact my bank because the vehicle was being repossessed. The bank I had the loan with was Bank Of The West. I called the number provided and the call was to BMO Harris bank. Up to this point I was not aware the Bank Of The West was bought by BMO. All payments have been made on time from XXXX to XX/XX/XXXX. After speaking to a costumer service representative. They could not locate any information on me. After seven hours of being on the phone I received a call back saying I owed payments from XXXX to XXXX and Tow fees plus late fees. I told them that was incorrect since this was not my fault because I was not informed by BMO that no payments were being made. Finally I received an email from BMO accepting responsibility for their mistake and all I had to pay was what was owed since XXXX. I was informed to go to a BMO bank and pay them a total of {$1900.00}. On XX/XX/XXXX I went to BMO bank to pay and they did not have an account on file for me to pay. They do not have me in BMO system. I paid the money to an account that they created and was able to collect my vehicle from repossessions. I returned back to BMO to find out where my lease agreement is and nobody is able to locate it as of now.

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