vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX. 15 U.S.C 1681 section 602 A.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have disputed this account several times with the credit reporting agency. 
XXXX is the only credit reporting agency that still has this account documented. 
my credit report is supposed to be fair & equitable to me as a consumer, this account Is listed as a charge off and has been written of but still shows a past due balance and amount owed. NOTATIONS DO NOT INDICATE THE BALANCED OWED IS XXXX Section 623 ( a ) ( 5 ) of the FCRA STATES THAT A CONSUMER AGENCY SHALL NOT REPORT ANY ACCOUNT THAT REFLECTS A CHARGE OFF. 

THE CREDITOR HAS SOLD THE DEBT TO A COLLECTION AGENCY.I DO NOT HAVE A BINDING AGREEMENT WITH THIS AGENCY.A CHARGE OF ACCOUNT CAN ONLY STAY ON THE REPORT FOR SEVEN YEARS FROM THE FIRST MISSED OR LATE PAYMENT WHICH WAS LISTED AS XXXX XXXX.EVERYTIME THIS ACCOUNT WAS DISPUTED INFORMATIONNWAS ALTRED.ONLY XXXX HAS FAILED TO VERIFY THIS INFORMATION CORRECTLY

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 2023-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a new business checking account at Wells Fargo ( where I have been a member for XXXX years ). On XX/XX/XXXX, I then transferred {$34000.00} to that new account, from my XXXX business account ( which is the reason I opened the new account ). 

I have the confirmation from XXXX XXXX XXXX ) that the transfer was from XXXX from Wells Fargo XXXX However, on XX/XX/XXXX XXXX received multiple emails and notifications that Wells Fargo flagged me for fraud because the check XXXX sent had the recipient addressed to " XXXX '' from " XXXX. '' I was informed that they had frozen my personal accounts at Wells Fargo ( where I have ~ $ XXXX unrelated to this transfer ) and that they are closing all my personal accounts. In addition, they are holding the funds sent by XXXX and will not start the transfer back for XXXX days at which time the transfer could take up to XXXX weeks. 

I was told to go to the bank and show them my transaction in the XXXX app and that I could also pull cash from if I was in person. I spent XXXX hours at Wells Fargo branch with customer service trying to help and as I showed them everything they said they needed. 

Wells Fargo won't release any of my funds without a statement from XXXX, however, I can not get a statement until XX/XX/XXXX ( they say they're holding my funds until XX/XX/XXXX ). When I asked what happens after they close my account, they told me it would take up to a month to get my money that is in my account. 

Wells Fargo XXXX department is unable to show me or the customer service proof that the transaction listed the recipient as " XXXX. '' XXXX XXXX XXXX their XXXX they see the transaction went to Wells Fargo. 

Today ( XX/XX/XXXX ), I received a notice from another bank of mine ( Wealthfront ) that Wells Fargo is reversing a deposit I made to them on XX/XX/XXXX. 

All in all, Wells Fargo is now holding {$75000.00} of my personal funds and telling me I won't be able to access them until XXXX. This is ALL of my cash, which means I have no access to my own money for more than a month ( most likely XXXX ). 

The Customer Service person at the branch is filing an internal complaint, but I am at a loss for what else to do. How is a company able to freeze my funds for XXXX days with XXXX notice, even when I've provided proof that I did make the transaction? I'm unable to access even {$100.00} to pay for food.

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 2023-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: ID

Complaint narrative:
I made a squareup account to take business payments. Over about 7 days I got just over {$50.00} worth of payments. I then added my card so I could transfer the funds out ( I like using a specific account when buying supplies ). That is when Square locked my account saying it would only be a business day or two just to verify that I am me. That was on either the 5th or 6th of XX/XX/2023. I've waited and when it didn't end I've reached out to their customer support who tell me to wait 1-2 business days, say they can't help, ignor me or blow me off when I ask to speak to a supervisor, or send me fake links.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc.
State: TN

Complaint narrative:
I sent USD XXXX to XXXX on XXXX XXXX at XXXXXXXX XXXX using Sendwave to XXXX XXXX XXXX  and it was never received by the recipient. 
I called Sendwave and informed them of the situation and they told me to get the bank statement from the recipient to prove my claim. I sent them the statement and even involved the recipient bank in all the correspondences between me and sendwave. XXXX XXXX also confirmed the money was not received. 

Sendwave has been unresponsive despite all evidence showing that the money sent was not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I personally sent a Dispute Letter via XXXX Mail to TransUnion on XX/XX/XXXX. This letter was delivered on XX/XX/XXXX @ XXXX as reported by XXXX XXXX 

I provided all the necessary info needed to dispute this request properly. Today, XX/XX/XXXX, I received a letter from TransUnion stating that they verified this account as accurate but did not provide any context on how this was confirmed and verified per my request. 

Not only do I not recognize this debt in any capacity, but I also noticed that XXXX XXXX XXXX reported this collection account as " unpaid '' and " delinquent ''. With that said, per my legal counsel I have been advised that a collections account is past due by default therefore they have failed to list this accurately. This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and XXXX is required to remove any information that is not true, accurate, compliant, and verifiable. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX  to release my medical information to a third party.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergont Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2023-08-14 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: AZ

Complaint narrative:
on XX/XX/XXXX a letter requesting the process used to investigate items on my credit that equifax deemed verified was sent to them but i have yet to receive any kind of response to the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: LEXISNEXIS
State: FL

Complaint narrative:
I previously disputed several incorrectly reported items on my consumer profile, including a public record. LexisNexis sent letters to me stating that several items were deleted on my consumer profile. No updated consumer report was mailed to me. No link was provided for me to access my report. I have since called LexisNexis about six times requesting clarification on changes to my report. Each time that I call and explain my concern, I am transferred to a " Public Records '' department. Once connected, the representative blatantly disconnects the call. There were times that I was disconnected before the transfer. I have asked for a warm person-to-person transfer but that did not happen. I am placed in the queue each time. I have emailed LexisNexis, but no response. The company is refusing to provide me with a copy of my report and is deliberately making the dispute process difficult. My request is that LexisNexis investigate the calls and emails. A company that has access to my personal data yet hangs up on me fails to respond, and fails to provide me with the requested information is alarming to me. I am also requesting that LexisNexis provide me with a detailed explanation of the disputed information. As there is no way for me to know which record ( s ) were changed in my consumer profile. Today I spoke with " XXXX '' and " XXXX. '' When I spoke to XXXX she told me that she could not help me after I waited several minutes. She then told me that due to the security freeze, I can not get my consumer report. When I told her the security freeze has been on my profile since 2018 and I have received several letters this year with a link giving me access to my report, she then said it was due to my state. I then explained that my address is the same and asked for a supervisor. She said I would have to await a callback. She asked if I could provide a different number because a rep tried to call me previously and could not reach me. I explained that I was never informed that anyone would call me. I receive spam and scam calls. Had I been advised that someone would contact me, I would have been expecting their call, ultimately answering a known phone number. Six attempts later and still no resolution. Still no consumer report. Still no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
I applied for a PERSONAL loan for {$2500.00} from One Main Financial XX/XX/2019. I was told that once the loan was paid off, they would return the title of my car that they used for collateral. They actually tacked the {$2500.00} onto the amount I owed my car, plus charged a high interest which was not explained to me. They refinanced my loan 4 times without my permission. Since XX/XX/2019 Ive paid over XXXX XXXX in interest on a {$2500.00} loan. Ive repeatedly asked for copies of the previous loan agreements and was told that after one year they destroy all the paperwork so I dont have access to the refinanced loans I never requested. My car is worth $ XXXX yet I still owe One Main XXXX XXXX which I cant afford. My credit score dropped XXXX points because of what they did. They were deceptive in how the loan was presented, they continue to withdraw high monthly payments from my bank account which only pays the interest and not the loan. I cant afford basic things such as groceries or bills because of how much has been taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
am i still responsible on the loan when i did not have the car over 30 days, car been in dealership on a recall

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 2023-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: LoanCare, LLC
State: CA

Complaint narrative:
I'm in process of paying off my mortgage in full. I spoke with Loan Care numerous times over the last few weeks and asked to note my account that Im paying off the loan in full so I would NOT get any late payments and they agreeded ect. They sent me payoff paperwork and I have been working diligently and sent all the paper work in last thursday and now waiting for all to process. Close the loan and move on!!! 

there is no law stating that any transaction needs to be reported. 

So any late payments need to be removed immediately especially since they violated my privacy and consent which there was no consent at all!!!

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 2023-08-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account Name : XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX XXXX, Account XXXX : XXXX, has violated my rights. 
Account Name : XXXX XXXX XXXX, Account Number : 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 an 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 9A ) ( 10 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. 
XXXX, TransUnion, and XXXX are report some or all of these accounts inaccurately. These inaccurate accounts are preventing me from obtaining a XXXX XXXX clearance, purchase a new vehicle so I can travel, credit cards, and the ability to obtain employment. Over XXXX credit disputes have been filed with XXXX, XXXX, and TransUnion in an effort to resolve this situation. 

XXXX XXXX XXXX Account Number : XXXX information being reported by XXXX does not match the information being reported by TransUnion and XXXX. No late payments are listed by XXXX or TransUnion. XXXX shows multiple late payments. The account was closed because XXXX XXXX purchased XXXX XXXX XXXX. We have not been late on mortgage payments.

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 2023-08-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account Name : XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX XXXX, Account Number : 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 an 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 9A ) ( 10 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. 
XXXX, XXXX, and Equifax are report some or all of these accounts inaccurately. These inaccurate accounts are preventing me from obtaining a XXXX XXXX clearance, purchase a new vehicle so I can travel, credit cards, and the ability to obtain employment. Over 18 credit disputes have been filed with XXXX, Equifax, and XXXX in an effort to resolve this situation. 

XXXX XXXX XXXX, Account Number : XXXX information being reported by XXXX does not match the information being reported by XXXX and Equifax. No late payments are listed by Equifax or XXXX. XXXX shows multiple late payments. The account was closed because XXXX XXXX purchased XXXX XXXX XXXX. We have not been late on mortgage payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX i placed an initial dispute with experian which both request have been ignored. this last request was mailed XXXX XXXX and I have confirmation that the letter was received via signed confirmation.

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 2023-08-14 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: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-08-14 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: PA

Complaint narrative:
XXXX has reported to the credit reporting agencies that I currently have 4 loans with them, amounting to {$13000.00}. This information is inaccurate. On their official website, which I will show below, they have only 3 loans, amounting to {$7600.00}. Not only is that information incorrect, but they are also reporting inaccuracies as to when these accounts were opened. The loan amount for {$6200.00} was reported opened XX/XX/XXXX. I never opened that account. In addition to that, I never paid not 1 cent to this lender. I also didnt sign an agreement, nor take out these loans with XXXX. They are reporting these accounts with on time payments, since XXXX, and who is to say they wont decide to report late payments? According to the FCRA, all information is to be reported accurately. According to 15 U.S. Code 6802 section ( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

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