vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
after getting the repossession documents and review of the documents it shows that uacc has not follow the requirements of the notification process to collect a deficiency balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
" I have the option to make my loan payments online as a consumer, which is convenient. However, during my last several online payments, the system accepted the payment for refinancing my vehicle, but when I was prompted to sign the document, an error occurred after the payment had already been accepted and confirmed. This issue has occurred even when the signature is confirmed to be valid. " Nevertheless, usually the next day or so I receive a notification stating that my refinance is pending and that I need to make an additional payment to refinance. Each day that passes the amount is increased and I am expected to pay whatever the amount is for the refinance to be complete. This is a system error that Title Max has recognized and has failed to correct the problem. This issue has become an expensive inconvenience to me as a consumer because I travel and work and do not have time to visit the store to make payments. It is not fair that I have to make payments in person in and not being allowed to utilize the option of paying online

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: NV

Complaint narrative:
I filed an ID Theft report with the FTC on Equifax investigate my accounts and remove the inaccurate information. Equifax claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurately. However, these accounts are still inaccurate and the credit bureaus are continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. According to The Fair Credit Reporting Act ( FCRA ), the information on a consumer 's credit report should be consistent across all three bureaus, as creditors and lenders may use any of the three to check a consumer 's credit history. The consumer reporting agency Equifax did not remove all fraudulent and inaccurate accounts that have been furnished on my consumer file and I have never gave my consent to furnished these accounts. No consent is Identity Theft and I have attached evidence that these consumer reporting agencies are in violation. 
I demand you cease and desist pursuant to federal laws 15 U.S.C 1692c ( c ) and you are in violation if you continue to report this inaccurate information. 

15 USC 1681 s-2 ( a ) ( 3 ) clearly states If the completeness or accuracy of any information furnished by anypersonto anyconsumer reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer. 

Im am formally disputing this information and according to the law, you may not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer. 

15 USC 1681i ( a ) ( 5 ) ( B ) ( i ) Reinvestigations of disputed information : Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply appreciated.

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 2024-08-04 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: IL

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 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 2024-08-04 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: EQUIFAX, INC.
State: IL

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 2024-08-04 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: GA

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 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 2024-08-04 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: MO

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NV

Complaint narrative:
I have had an account with Gemini since XXXX. Between XX/XX/XXXX and XX/XX/XXXX of this year, I deposited {$20000.00} via XXXX into the Gemini exchange. The money was immediately converted into XXXX upon deposit. 

On XX/XX/XXXX, after the XXXX business day hold for the first deposit was finished, I tried transferring a small amount of XXXX into another cryptocurrency exchange. I received the following error message : " Sorry, this XXXX withdrawal can not be completed at this time. Reason : Security hold. Contact XXXX '' Gemini told me to uploaded a photo of a selfie where I am holding my identification and piece of paper showing the date + my ticket ID ( XXXX ). Note that my account was fully verified in XXXX and have processed many transactions before so it is unreasonable and suspicious for Gemini to request this ( again ) now. Despite this request, I obliged and them them the documents that they needed. 

I have heard nothing back from them. I have read online about dozens of other users sharing the same experience recently. Gemini will accept unlimited deposits, but will freeze your money arbitrarily, even after providing their requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: GA

Complaint narrative:
My information was in a data breach please remove all unauthorized inquires listed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: World Acceptance Corporation
State: AL

Complaint narrative:
I found where world finance has put a hard inquiry on my credit report. I didn't give them permission to check my credit. I wasn't applying for them a loan and they had no right to put an unnecessary credit inquiry on my credit report which will cause my credit score to go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It has been over 30 days, and the creditor has failed to update the information or provide any proof or documentation regarding a late payment. They have neglected to supply this information, and as such, they must delete the alleged late payments from my credit report immediately. 

Under federal law, they had 30 days to complete the investigation. Their failure to comply with this requirement mandates the immediate deletion of this item from my report. 

This matter is non-negotiable and must be resolved without further delay.

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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It has been over 30 days, and the creditor has failed to update the information or provide any proof or documentation regarding a late payment. They have neglected to supply this information, and as such, they must delete the alleged late payments from my credit report immediately. 

Under federal law, they had 30 days to complete the investigation. Their failure to comply with this requirement mandates the immediate deletion of this item from my report. 

This matter is non-negotiable and must be resolved without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: MO

Complaint narrative:
My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card 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 is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-08-04 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: MO

Complaint narrative:
My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card 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 is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-08-04 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: MO

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

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 2024-08-04 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

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 2024-08-04 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: TX

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Call me if u can help me wrote a long story and just got erased have all proof I never opted in to I overdraft protection which policy states I had to in order for them to do with they did lost XXXX XXXX credit score now have XXXX XXXX and in the by XXXX their error phone XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Want all accounts caught up along with credit score fixed a d I will.pay on credit card still once they fix it.

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 monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am writing to formally lodge a complaint against PayPal regarding their refusal to refund four out of five unauthorized transactions ( {$1000.00}, {$2500.00}, {$500.00}, {$220.00}, {$70.00} ) on my PayPal debit card which all occurred on the same day. 

On XX/XX/XXXX, I discovered five unauthorized transactions from XXXX on my PayPal debit card. Upon noticing these transactions, I immediately contacted PayPal and filed a case for the first four transactions, as the fifth was still pending. PayPal conducted a review of these transactions and subsequently denied my claim, asserting that all four transactions were authorized and that I had a payment history with this merchant. This assertion is completely false. 

On XX/XX/XXXX, I also filed a case for the last transaction that had settled for {$70.00}. After citing XXXXXXXX XXXX XXXXXXXX liability terms and conditions, PayPal approved the {$70.00} and acknowledged it was indeed unauthorized. Despite this, PayPal has refused to refund the money for the other four transactions. 

I have provided PayPal with screenshots from XXXX support confirming that there were no transactions under my name, nor did I have an account registered with XXXX. On XX/XX/XXXX, I requested PayPal to reopen my four denied cases, providing them with the necessary proof from XXXX. PayPal assured me they would reopen the cases and assist in recovering my money after I indicated that I would file a complaint with the CFPB if I did not get my money back. 

However, after 48 hours, PayPal ceased all communications and permanently banned my PayPal account without any explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I open the checking account ( XXXX XXXX  ) and deposit my check from work two times a month. I only wrote less than two checks and only few transactions per month. There was nothing unusual activities. I opene tbe investment account because they solicit to open one. I did and then they locked the account without any reason for locking the online login. They do not have branch office and I can not access to the fund and this cause me to borrow money from XXXX member to make a auto loan credit card and mortgage payment. They fraudulently took my money without any explanation. They requested me to send id and social I sent it but they still locked account and i do not have the access to my checking.

Company response to consumer: Closed with explanation