vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/2024 my car was taken from my friend 's apartment community by XXXX XXXX XXXX. On XX/XX/2024 I called Westlake Financial to get instructions on how to get my car back. I followed those instructions on the same day by paying {$940.00} via XXXX XXXX XXXX. I also paid {$15.00} to the XXXX XXXX 's station for a Repo receipt. On XX/XX/2024 I confirmed with Westlake Financial that my payment had been received. On XX/XX/2024 I confirmed that the finance company sent a release paperwork for my vehicle to XXXX XXXX XXXX. I called to make arrangement to pick up my car and XXXX XXXX refused to release my car and told me I had to wait until XX/XX/2024 to pick up my car despite my financial hardship. On XX/XX/2024 XXXX XXXX XXXX called me and advised me that they canceled my appointment to pick up the vehicle and I would have to make arrangements with the finance company. Since XX/XX/2024 I have made several calls and sent a few emails to Westlake Financial in order to resolve this issue and to get my car back. On XX/XX/2024 I spoke to a Detective at the XXXX XXXX Police station and he told me that this is bad business and it's the responsibility of the finance company to make XXXX XXXX XXXX release the vehicle. As of today XX/XX/2024 at XXXX XXXX, there's still no resolution from Westlake Financial. I have left 3 messages for a supervisor and no one has called me back. The last time I called today the representative said he had no information as to when this will be resolved. This is day number 5 without access to a vehicle that I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
COPYRIGHT AND TRADEMARK NOTICE Copyright XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is formal legal/lawful notice of recission, and that you are in breach of Copyright & Trademark. This information is pertinent so please read it carefully and/or have your legal team review it as failure to understand or act is not a remedy or defense. - I have sent Equifax numerous requests to have them VALIDATE the Bankruptcy that is being reported on my consumer credit profile. They come back the same day, almost immediately stating that it has been validated/verified. I have been asking them to VALIDATE who they spoke with and how the account was validated to prove that it belongs to myself. Not only is my consumer profile not reporting correct and accurate information it's in violation of 15 USC 1681c, 15 USC 1681d, 15 USC 1681 e, 15 us code 1681i - The accuracy of my credit profile is the upmost important to myself, and Equifax is refusing to update the information, or provide validation to me in which they feel backs up their complaint that this is accurate reporting. I also have the Trademark and Copyright of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX continued violation in providing inaccurate information associated to my intellectual property and I order you to cease immediately, and update my consumer credit profile accordinly. If you can not provide who you spoke with and the method in which you used to validate this information you must delete it from my consumer credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The Unfair credit reporting Act state that these inquiries are unfair and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The Unfair credit reporting Act state that these inquiries are unfair and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
My name is XXXX XXXX I direct deposited my money into my Robinhood account and shortly after they restricted my account I have been begging them since XX/XX/XXXX to help me, there is no number for customer service when you call it hangs up on you, I have been begging them by email and then I went on XXXX to help me and they send generic messages saying they are going to help me, I am on the verge of homelessness due to not being able to pay my rent because I direct deposited my money into this account I need help, this all started when my direct deposit went into the Robinhood account on XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I received multiple communications from XXXX Fair debt collection and outsourcing in XX/XX/2023, they sent notices to the old XXXX address I moved away from due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I got a hold of them, I willfully gave the my new address and asked them to stop calling me. Upon receiving the suppose " Validation '' I witnessed a contract between XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. However the cover letter stated, Debt collector, and I see no mention of FCO or XXXX XXXX XXXX XXXX on this actual contract. I asked then to Please further justify claims as they are very misleading. I asked for FCO to send me a wet ink signed contract with FCO and I. Which they have not provided. After about 30 days I received a notice from FCO stating that they would proceed with this collection and provided the same contract as they did previously and have failed to meet my requirements. No contract no case. I wrote a second letter to FCO to cease and desist. However, FCO has proceeded to report this collection to XXXX and other credit reporting agencies in XXXX and continue to report on a monthly basis. This has severely damaged my credit report and has impacted my ability to access fair and equitable credit. I attempted to resolve this matter amicably, however FCO has Violated my rights as a consumer and has not provided the information I requested and they have not damaged my reputation.

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 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/24 citibank sent me an email that my account is blocked due to suspicios activity and that i need to contact them to fix the issue. I called and then they said that my account is under review for closure without any reason and that i should be receiving a letter in the mail and my money that i have in my checking account which is {$20000.00}. 

I've been calling for the last weeks and they keep saying that it can take XXXX days to close the account and for me to receive my {$20000.00} in check that i have to wait. Its already XX/XX/24 and i need my money i have went to the branch to obtain my funds, they said i have to wait XXXX days to get my money without any reason or letter. 

I.m a XXXX patient and i need the money for my treatment, nobody responds my emails please help

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 2024-04-09 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX  correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: WI

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. 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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
RE : XXXX XX/XX/2024 Subjet : Final Request To Remove Unauthorized Hard Inquiries To whom it may concern, I would like to clarify that the Fair Credit Reporting Act does not explicitly specify a specific retention period for Unauthorized hard inquiries on a consumer report. The FCRA primarily focuses on regulating the accuracy, fairness and the privacy of the consumer 's credit information. The FCRA outlines the procedures that the credit bureaus must follow when collecting, maintaining, and reporting consumer credit information. While the FCRA does mention the inclusion of hard inquiries in credit reports, it does not prescribe a specific time frame for their removal. However, it's important to point out that credit bureaus has their own policies and procedures and practices regarding the retention period of hard inquiries. Equifax 's policies may vary from different credit bureaus. I am requesting a copy of Equifax 's policies and procedures and verification policies and procedures for the removal of Unauthorized hard inquiries verses the FCRA policies and procedures in question set forth by State and Federal Law. Credit Bureaus are not a Federal entity. Non compliance to the FCRA Law and If Equifax does not produce any proof they are claiming on my credit report, all Unauthorized hard inquiries shall be removed from my credit report promptly or face civil liability in court due to numerous violations of my consumer rights under the FCRA. There shall be no more reinvestigation into this matter. I have provided Equifax every documentation, every police report, FTC reports and all. There is absolutely nothing in the FCRA Law states that inquiries should be on a consumer 's report for 2 years. That is a policy of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received a notification from XXXX that an account at JP Morgan Chase Bank was being opened using my information. I never opened an account at the bank, so I called and reported it as fraud. The company followed up and said that no accounts were opened with my identity. The company, however, confirmed that my XXXX matches a business account holders XXXX, and both are valid. When I called the number on letter I received, the representative, XXXX, could not answer my question. I am worried that the company will confuse the XXXX with my Social Security number and can possibly make me responsible for fees/ charges that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I contacted XXXX, TransUnion, XXXX and XXXX starting XX/XX/XXXX numerous of times informing them that they are reporting late payments on my student loan during the time of federal loan student forbearance. The Department of Education suspended payments on my federal student loans from XX/XX/XXXX through XXXX. During this suspension period, my loan payments were not missed or late. They were simply deferred in accordance with the CARES Act and its subsequent extensions. However, my credit report incorrectly reflects late payments from XX/XX/XXXX through XX/XX/XXXX. 

TransUnion has responded 4 times saying they made no changes after investigation or they changed something which was not the inaccurate reporting. See attachments. 

XXXX and XXXX never responded. 

XXXX never responded.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I contacted XXXX, XXXX, Experian and XXXX starting XX/XX/XXXX numerous of times informing them that they are reporting late payments on my student loan during the time of federal loan student forbearance. The Department of Education suspended payments on my federal student loans from XX/XX/XXXX through XXXX. During this suspension period, my loan payments were not missed or late. They were simply deferred in accordance with the CARES Act and its subsequent extensions. However, my credit report incorrectly reflects late payments from XX/XX/XXXX through XX/XX/XXXX. 

XXXX has responded 4 times saying they made no changes after investigation or they changed something which was not the inaccurate reporting. See attachments. 

Experian and XXXX never responded. 

XXXX never responded.

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 2024-04-09 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: CA

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. 

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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: WI

Complaint narrative:
On XX/XX/24 I submitted a complaint to Vanilla Gift, via their website, regarding a gift card that was purchased as a XXXX gift. The giftee had attempted many types of transactions, many times, and the card was declined every time even though it showed it had the full amount available and was active. After filing the complaint, when returning to the complaint page, it said the card had been cancelled and a new one had been sent. It also said to check my email for details. I never received the email and never received the replacement card. After that I sent emails to the email address that was on that site, XXXX, but never received a response. I proceeded to file a complaint with the attorney genereal of Minnesota and the XXXX  department of XXXX, and was pretty much ignored by both despite numurous calls and requests for information. 

Can you please help us get our {$80.00} back? This is not the only gift card that was purchased but unfortunately many of the giftee 's simply threw their cards away when they did not work. At this point I would rather have the money back and not a replacement card. It has been a long time since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

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 2024-04-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: CA

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.

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 2024-04-09 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My credit has been ran by several auto companies without my permission. According to FCRA section XXXX it is illegal to report information on my credit report, without my permission. I have submitted an identity theft report. I want this sent to the following companies : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally financial, 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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: CA

Complaint narrative:
Possible credit is reporting 2 on my credit report XX/XX/XXXX and XX/XX/XXXX Ive requested itemized bills for these accounts havent received anything will like accounts removed from credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation