vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have fraudulent accounts and personal info reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report. Please remove negative accounts and personal information on the fraud report! 


In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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 an account without my written instructions.

15 USC 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.

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 2022-07-28 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: ALLY FINANCIAL INC.
State: ID

Complaint narrative:
Paid off vehicle loan XX/XX/2022. 
Ally Bank said they would release the title to the Idaho transportation dept as that is where I live. 
I thought everything was fine I went to the DMV when they said it was released on XX/XX/XXXX. 
I received a email stating it was released so I went to the dmv. 
They were able to pull up my title it was an electronic title but ALLY is still in 1st lien holder position. 
I call almost every single day, First I spoke with customer service, And explain the situation they talk over me saying that it's released it's released it's released it's released it's released. But it isn't. Finally was able to get ahold of the electronic title department and they say it's an IT problem, but the state of Idaho tells me that it is a simple Box to check on the bank 's end that says Idaho can print and release the title to me.. I have called 24 hours worth of being on the phone with 3 different departments and countless people explaining it over and over again and they never do anything. I have 5 emails that say the title has been released and I explained that it hasn't but they don't listen to me. I finally posted on Ally Bankl XXXX page and somebody said, " oh my gosh we'll get somebody in touch with you '' Friday XX/XX/XXXX at XXXX PM at a woman named XXXX called from Corporate, she said it would be handled there. She was unwilling to give me her last name. She told me that XXXX would be the one that would be handling my account and doing the research. She gave me an her number to call for her direct line told me to call her on Monday I called 3 times on Monday 3 times on Tuesday and XXXX XXXX day Wednesday she has never answered her phone nor called us back. I do not know anything more that I could do. I am at a loss!

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 2022-07-28 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: NY

Complaint narrative:
This item were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any item or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance : {$0.00}

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 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Indigo credit card companies website does not show transactions of purchases and can not navigate through the website only by phone calls and they keep on changing withdrawals from the account and can not use a credit card for 14 to 21 days after making a payment.Logging onto their website try to hit contact or anything on the website shows no pages found

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: NY

Complaint narrative:
This item were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any item or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance : {$0.00}

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 2022-07-28 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: NY

Complaint narrative:
This item were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any item or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I got a auto loan with Honda Finance Service XXXX  : //my.americanhondafinance.com/XXXX My ACCOUNT # XXXX. 
I purchased XXXX XXXX 2019 with Honda financial service fixed rate. 
I have been monitor my account & they changed the payment amount & sometimes, they debited double without changing the payment term. 
I request audit my loan account. 

American Honda Finance Corporation XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The filed a claim and was told that they will investigate. I told them I will provide documentation to support my claim but they said no need but then later on denied it. It was a scam.

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 2022-07-28 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Accounts on my credit report being posted not accurate.

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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received at the beginning of the year a copy of my consumer report, I noticed that all of my personal information was incorrect I sent out a personal letter to update my information on XX/XX/2022 Certified mail with return slip, Credit reporting bureaus received my letters on XX/XX/2022 & XX/XX/2022. I then started my account with XXXX XXXX to keep up with my consumer report on XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. On XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. 
Now this month I look at my consumer report and it is still incorrect XX/XX/2022 ACCORDING TO 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave Responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Which they violated Certified mail # XXXX : XXXX Trans Union 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 non-monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received at the beginning of the year a copy of my consumer report, I noticed that all of my personal information was incorrect I sent out a personal letter to update my information on XX/XX/2022 Certified mail with return slip, Credit reporting bureaus received my letters on XX/XX/2022 & XX/XX/2022. I then started my account with XXXX XXXX to keep up with my consumer report on XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. On XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. 
Now this month I look at my consumer report and it is still incorrect XX/XX/2022 ACCORDING TO 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave Responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Which they violated Certified mail # XXXX : XXXX Trans XXXX XXXX XXXX Experian : 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 non-monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I'm seeking to have my funds within the next week this company Wells Fargo I can never reach to contact for the amount of XXXX $ XX/XX/2022 they are restricting my account but can't release my funds when I am in need

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 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I had purchased a visa gift card from XXXX store ( grocery store ). the card is issued by XXXX and distributed and serviced by Incomm Financial services. 

I purchased a vanilla visa gift card from XXXX on XX/XX/2022. On opening the gift card, I found that it has been tampered with and the magnetic stripe was not working. I called Incomm at phone # XXXX XXXX and reported this issue. 

They opened an internal case # XXXX. They initially told me that a replacement card will be sent to me in 7-10 business days. 

I have also emailed them the documents they asked for on XX/XX/2022. I sent the same docs on XX/XX/2022 as well. 

I had called Incomm multiple times since XX/XX/2022 and every time they tell me that their internal team needs to review the case and a replacement card will be sent. In spite of multiple follow-ups, they still haven't send me a replacement card. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I DID NOT AUTHORIZED THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I DID NOT AUTHORIZED THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XXXX after intiating a {$200000.00} transfer that ws inerrupted by an error message aI was directed to a {$100.00} marketing promotional scam with a phone number which wanted credit card information and invasive continued to intimidate me. 

i called Macus by Godman Sachs and endued hours of multiple supervisory requests before XXXX, a supposed supervisor said she would delete future marketing intrusions. 
REALLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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

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 2022-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I have called half a dozen times dealing with this company that constantly reports payments late when they are not, they are purposely destroying my credit

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 2022-07-28 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 

Pursuant of 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a credit report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This credit card I used to originate every consumer credit transaction below. They should be removed from my transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 14. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: AL

Complaint narrative:
Accounts on my credit report being posted not accurate.

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 2022-07-28 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: AL

Complaint narrative:
Accounts on my credit report being posted not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: OR

Complaint narrative:
Hello, I had ACS for student loans years ago and am unable to reach them to get my payment records to prove that I was making payments so I can get credit under the public service loan forgiveness program. XXXX says they do not have access to acs records and that I must go through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: AR

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize or sign for any of these inquires and by the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my reports. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the address above. According to the act, there shall be no charge for this updated report. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: CT

Complaint narrative:
On XX/XX/2022 at XXXX my card was fraudulently used at a smoke shop called XXXX XXXX  in XXXX XXXX XXXX CT in the amount of {$47.00}. I contacted Cash App as soon as I noticed the transaction and inquired about disputing the purchase and reporting my card stolen. As you can see in our chat, they gave me the steps to do so after many hours of waiting. My card was lost and used for this unauthorized purchase. I never found my card. 

On XX/XX/2022 the transaction settled and I was able to dispute it. Today, XX/XX/2022, I received an e-mail saying my dispute was denied and I could check the app for more info which I did, and it said it was because " no error occured and I or someone I authorized made this purchase '' which is blatantly false. I contacted support asking for their reasoning for denying my dispute and was told they can't handle that over chat so someone will e-mail me but I was given no timeline for how long that would take. Back in XXXX I had a dispute for a separate fraudulent transaction which was denied because I referred too many people to their app. I will include documentation of this. I don't care about the money from that as it's probably a lost cause but I refuse to allow them to let me be stolen from AGAIN. 

I believe Cash App is treating me extremely unfairly and they are not protecting me from fraud. I'm unsure if they're discriminating against me because of the referrals I mentioned or if they just treat all of their customers this way but I would really appreciate any and all help in retrieving the {$47.00} that was stolen from me via an unauthorized transaction that I promptly notified Cash App of. I'm unemployed and that amount may seem small but it was my grocery money for the week. Regardless of that, I shouldn't have to lose my money to fraud because this " bank '' refuses to protect me against fraud. I will attach screenshots of the dispute denial reason from back in XXXX ( the referrals I mentioned ) as well as all communication thus far regarding this dispute. Thank you in advance for your assistance in this matter.

Company response to consumer: Closed with explanation