vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 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: FL

Complaint narrative:
I am writing to file an official complaint against Equifax for its failure to respond and take appropriate actions following my dispute letter. On XXXX XXXX I sent a letter to Equifax to address the inclusion of alleged school loans on my consumer file, which I firmly believe to be in clear violation of several federal laws, most notably the Fair Credit Reporting Act ( FCRA ). 

In my dispute letter, I specifically referenced the relevant federal statutes, such as 15 U.S. Code 1681, 15 U.S. Code 1681a ( 2 ) Exclusions, 20 USC 1232g ( b ) ( FERPA ), 5 U.S. Code 552a, and 12 CFR 1022.3, highlighting the necessity of obtaining written consent before reporting sensitive information on a consumer file. Despite providing compelling evidence and supporting documentation, I have not received any acknowledgment or indication that Equifax has initiated an investigation or taken any appropriate actions. 

As an informed and vigilant consumer, I firmly assert that credit reporting agencies must adhere unwaveringly to the highest standards of compliance with the law. The unauthorized inclusion of the alleged school loans on my consumer file infringes upon my privacy and consumer rights in a flagrant manner. I have diligently followed the proper dispute procedures, and Equifax 's lack of response raises serious concerns about its commitment to regulatory adherence. 

Therefore, I urgently request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. It is imperative that Equifax be held accountable for its non-compliance with federal laws and that appropriate measures be taken to rectify this violation. I demand the immediate removal of the disputed information from my consumer file, and I expect Equifax to diligently abide by the FCRA and all other applicable laws to ensure the accuracy and fairness of my credit reporting. 

Enclosed, I am providing a copy of my original dispute letter and additional documentation which I believe will be instrumental in your investigation. I have full confidence that the Consumer Financial Protection Bureau will treat this complaint with the utmost seriousness and work diligently to protect consumer rights. 

I earnestly await a comprehensive and prompt response from the CFPB. Your attention to this critical matter is greatly appreciated. Thank you for your unwavering commitment to safeguarding the rights and interests of consumers like me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: KS

Complaint narrative:
I got the title loan in XXXX the car was registered to me and the title was in my name they repossessed the car sent it to the insurance and then brought it back and in court relinquished the car to XXXX  XXXX XXXX I was never given the option to retrieve the car nor was I informed that it was being repossessed. they are trying to charge me the full amount of the loan but can not return the collateral that was put up for it. they will not discuss anything with me because the manager that went to court has since been fired along with another manager for basically doing whatever they wanted. titlemaxs  legal department did not appear in court the manager did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: HI

Complaint narrative:
I have sent letter notifications in the mail to each credit bureau telling them the debt they are trying to collect doesn't belong to me. It has been over 30 days and I haven't received any update or respond to my letters. The tracking number for my letters is : XXXX. Physical images of the receipts will also be attached to this complaint. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally requesting the deletion and removal of the following accounts and associated information from my consumer report. The accounts and details listed below should not have been reported in the first place, constituting a clear violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I insist that these accounts and information be promptly deleted and removed from my consumer report to rectify the violation of these laws. Immediate action is necessary to comply with this request. Remove these accounts and information without 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 non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

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 2023-07-17 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: MI

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 2023-07-17 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: MI

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 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW 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 non-monetary relief
Consumer complaint received 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them 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 2023-07-17 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: WA

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-07-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
deposit a check {$71000.00} for escrow into citibank. Citibank blocked the account for over XXXX weeks. 
every single calls it will be under reviewed or it will be cleared in XXXX hours but never been clear and came out with all tons of excuses. it delays and interferes with all payments and activity of daily life. 
citi bank fraud department wont be able to unblock or even return the fund to the sender. 
citibank gave tons excuses the the check was not endorsed and it was and stated the sender is not active in business etc. 
the fraud department will like to talk to the sender of the check to clarify the amount and the check is correct. After all tons of processes and phone calls, saying it would be cleared again after the sender would like them to return the check. citibank has cleared the check in account but will not unblock. That is insane and don't know what is going on with citibank the hold the fund and block the account after the check is cleared by the sender. pls advise

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hello I successfully paid off my vehicle in XXXX of 2022 and up until today I have yet to receive a copy of my vehicle title by mail from the DMV and Kia Financial is still listed as the lien holder of my vehicle. 

XXXX XXXX XXXXXXXX XXXX I have reached over to them a couple of times and I'm not getting a straight answer as of today I would really like this to be solved as soon as possible, as this is causing financial burden and issues while moving to a new state.

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 2023-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
I was advised to consolidate my loans through Navient 25 years ago. I have religiously paid my student loan for 25 years now. 

I have applied for Student Loan Forgiveness on 3 different occasions because I have worked for a XXXX XXXX for the past 25 years. I am a XXXX XXXX XXXX and would qualify for loan forgiveness under the highly qualified loan forgiveness program in addition to working for a low-income school. I am disheartened because I was denied the Loan Forgiveness program because I consolidated my loans one year prior to the law being passed. 

Each time I inquired why my loan could not be forgiven NOT one EMPLOYEE at Navient has educated me that I could possibly qualify for loan forgiveness under the Public Loan Forgiveness Act and I had to seek loan consolidation through a federal student loan agency. My student loan would have been forgiven thousands of dollars ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
A domestic transfer of {$5000.00} was initiated on XXXX  XX/XX/XXXX from XXXX XXXX XXXX account to my Wells Fargo ( WF ) checking account. The funds cleared XXXX XXXX on XX/XX/XXXX. By XX/XX/XXXX the funds had still not arrived at WF. I called WF XX/XX/XXXX- they recommended I cancel the transaction to receive my funds ASAP. I provided WF verbal approval to cancel the transaction. 

By Monday, XX/XX/XXXX the funds had not arrived back at XXXX XXXX. I called XXXX XXXX- they had no record of any pending transaction. I called WF shortly thereafter. WF saw the transaction was cancelled, but couldn't tell me where the money was. WF refused to provide me a 15 digit trace number stating " that is not WF policy. '' They refused to provide me a timeline, or acknowledge the severity of the issue. They could not locate the funds, and claimed the transaction was cancelled XXXX - this is a lie, and we have phone records to prove it. 

The WF rep claimed a claim was generated, but I do not believe this has actually taken place.

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 2023-07-17 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: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit report to all three credit agencies .They are informing XXXX XXXX XXXX and XXXX of 30 days and 60 days late payments in the same month and year XX/XX/2022. That is inaccurate, I am sending proof of payment receipts and emails of communication. I never received a late payment statement or phone call indicating rejected payment or given the time allowed to correct the error if made by me in the time allowed before a late payment is reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: FL

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, 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 2023-07-17 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: FL

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, 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 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2023-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP Morgan Chase has begun a new fraud protection program which is preventing me from ach'ing monies due to clients. On every ACH I make, I receive a call from the Fraud department asking me questions about the recipient. These are personal questions that I feel should not be asked- how long have I known the recipient? how long have they been in business? What is their business? Did they ask you to transfer monies, etc. In XXXX ACH, after the monday evening call from with the Fraud Unit approving the transaction, I received a call 3 full days later asking me the same questions and saying the ACH had not been sent. Chase held my clients monies for a week. WHY isnt the question DO I APPROVE THE TRANSACTION???!!! I have spoken with the branch - who can't help. I have spoken to the online and fraud people, and the account execs. Now, they are rejecting my ach 's out of hand with no reason. I have quite a large sum in my accounts- personal, business, mortages all with Chase. I am at my wits end. I was on hold for XXXX minutes with the first rep. She transferred to me to a second rep, who now has transferred me to a third rep. I have been instructed that they are protecting me. The second agent just transferred me to another rep who is asking me the same questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I have sent letter notifications in the mail to each credit bureau telling them the debt they are trying to collect doesn't belong to me. It has been over 30 days and I haven't received any update or respond to my letters. The tracking number for my letters is : XXXX. Physical images of the receipts will also be attached to this complaint. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The XXXX XXXX  card allows customers to pay their rent by raising a check on their behalf and mailing it to their landlord. 

In order to resolve a dispute with my landlord, I need a copy of both the back and the front of my rent check from XX/XX/2022. The app only provides a copy of the front of the check, but I need to know who cashed it. 

XXXX only provides customer service for this sort of issue over email. I made my request a month ago, but still haven't got a copy of the check. Every time I follow up, I am simply told that they are working on the issue. They do not provide an estimated timeline for resolution.

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 2023-07-17 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: 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. 

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