vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 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: LA

Complaint narrative:
Dear Sir/Madam, I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines . The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 


See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: AL

Complaint narrative:
There was a credit builder loan that was received in my name that states that the loss on the loan that was reported on my credit report was a write off of {$500.00}. That amount of money was never dispersed to me. The amount that they are collecting is the amount that I received, {$120.00}. When I attempted to cancel the loan, they refused to do so and continued to try to draw money from the account that was connected to the XXXX XXXX loan. Today I spoke with the company concerning the report on my credit, stating that it was incorrect and they continued to tell me that I signed a contract. It was stated to me that the matter would be escalated, but I am unsure as to what that will actually do. Date open XX/XX/2021 Status updated XX/XX/2021, last payment date XX/XX/2021. I have never received or used the {$500.00} that they are stating was loaned to me.

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 2023-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/XXXX Chime banking app closed my account. I am not able to verify the amount left in my account because i am shut out of the appon my phone. I believe the amount in the account is in the neighborhood of XXXX dollars. I have tried reaching customer service but am unable to speak to a live representative. I was told in an email that a check would be sent to me. I am still waiting. I do not want to wait for results forever because i am moving in a few weeks and can really use the money. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In the late evening of XX/XX/XXXX, around XXXX, I attempted to withdrawal XXXX $ from a Wells Fargo ATM in XXXX , California . The ATM machine denied the transaction, stating on the screen that the machine did not have enough XXXX $ bills to dispense my requested amount. Soon afterwards, I was able to perform another attempted transaction, which I did, and was able to withdrawal XXXX $ in XXXX $ bill denominations. The following day, the online statement for Wells Fargo showed that I had made 2 separate transactions for the amount of XXXX $ total. I proceeded to call Wells Fargo to confirm if this was correct and they stated it was based on their records. At that point, I filed a dispute of the initial transaction with Wells Fargo. Subsequently, the claim was denied approximately 2 weeks later. I called back their claims department to file another complaint to follow up on their decision to deny the claim and my follow up claim has also been denied. According to Wells Fargo, by denying my claim, they are claiming that I withdrew XXXX $ that evening by 2 separate transactions. However, this is not possible and defies logic, considering I have a maximum withdraw limit of XXXX $ per day with Wells Fargo. Therefore, this is the reason for filing my complaint today with consumer financial protection bureau.

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 2023-05-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, 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 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 2023-05-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-05-26 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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2023-05-26 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-26 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ca XXXX, XXXX You are in an Violation of The Fair Credit Reporting Act ( account number XXXX & midland credit management XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written Instructions.

15 U.S.C 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.

Remove these late payment and update this account immediately as you are in direct vlolation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I received an inquiry on my credit report on XX/XX/23 from American Express. I have never applied for an American Express card, therefore this must be fraudulent. On XX/XX/23 I received an email that say " Your credit card is approved. '' But again I have never applied nor have an American Express card. 

I have already alerted the credit bureaus that was told I need to first file a police or FTC report or else the inquiry will remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX  IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX  XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$380.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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: LA

Complaint narrative:
Dear Sir/Madam, I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines . The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 


See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian 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 2023-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Federal Cash Advance, LLC of Oklahoma
State: TX

Complaint narrative:
I cancelled the loan within the cancellation period of 3 days at CashMax in XXXX XXXX, Texas, paid the loan back and they gave me a lien release but are now refusing to give me my title. They keep saying it hasnt come to them in the mail which is a lie. It doesnt take over a week for the title to come from XXXX which is only an hour away. When I paid the loan, XXXX XXXX said i could get my title the same day, so we drove all the way to the XXXX Texas DMV but were told we had to wait until CashMax got it in the mail. Then XXXX said it would take a week. Its been over 2 weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, 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 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 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
In XXXX of 2021, I made what I thought was a legitimate purchase of an electric bike. However, after not receiving it, I contacted my local branch of Citibank and an investigation was begun ( I was told ). 

Since that time, I have been asked 6, ( YES, 6 ) time to submit the same information to Citibank and still have not received my funds. 

The charge of the bike was {$99.00} and {$12.00}. XXXX XXXX XXXX XXXX, plus {$2.00} insurance. 

The original company I thought I was buying it from, Wayfair, informed me after I contacted them that the site which sold me the bike was fraudulent and not a Wayfair site. Further, speaking to the local post office, I was informed that the 'alleged delivered " package weighed only 7 oz. 

I wish to file a complain on Citibank as I have been getting the runaround for 1 and 1/2 years now. I spoke to a representative who informed me the complaint was closed. I was never informed of it being closed, nor have I gotten my rightful refund in the amount of {$110.00}. 

How, I'm wondering, can a customer file a complaint, it be closed and the customer not be informed of the result of the investigation? As far as I knew, Citibank said they'd investigate. Apparently, someone dropped the ball here. 

I want to have them return what is rightfully mine, the money. 

Thank you.

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 2023-05-26 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: EQUIFAX, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit acceptance has a very distasteful way of doing business. After the pay off they include they silently included the XXXX XXXX on the pay off amount. They have yet to send me the original title and now Im stuck with a vehicle that isnt running and nothing from them to help. I cant even get the title from them. DMV ny tells me to reach out them bc they havent released the title and then credit acceptance tells me that NY is a title holding state and they need to send the title instead of them. There is not clear direction and all Im trying to do is cut my losses and sell this car. 

Do not do business with credit acceptance. They are professional scam artist and will take your money and silently make deals that can hurt you in the end.

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 2023-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: EGL US, LLC
State: MI

Complaint narrative:
As a consumer pursuant to 15 USC 1692a ( 3 ) I was denied for a loan by BMGmoney and their representatives on XX/XX/2023 due to them stating that I did not meet an alleged income requirement that is not stated in their eligibility requirements. Those requirements are If you have been employed for at least one year, are over 18 years of age, are not active in the military and are not in bankruptcy, you may be eligible. Also you must be employed by one of the employers we work with. Pursuant to 12 USC 4502 ( 6 ) I receive compensation in relation to employment and not income. The actions of BMGmoney are deprivation of rights under color of law pursuant to 18 USC 242 and it is knowingly and willful intentional discrimination against me as a consumer with the capacity to be an applicant pursuant to15 USC 1691 ( a 1-3 ). BMGmoney representatives must provide legal proof of the loan income requirement with the supporting federal laws. I am demanding that BMGmoney provide documentary evidence that I receive income in relation to employment with the supporting federal laws. The emails attached are documentary evidence that I was knowingly and willfully discriminated against even after notifying BMGmoney of their illegal discriminatory actions, in which they proceeded to continue. Pursuant to 15 USC 1691e ( a ) and 15 USC 1691e ( 2 ) I have suffered damages due to the actions of BMGmoney and their representatives they are liable for me being an aggrieved applicant in which I am entitled to and am demanding damages in the amount of {$5000.00}. To remedy this matter I am demanding BMGmoney to immediately approve the loan that I applied for or issue me a check for the damages they created in the amount of {$5000.00}. They have deprived me an extention of my credit knowingly with willful intent. This complaint is made in good faith, peacefully, and respectfully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation