vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I, XXXX, XXXX am submitting a formal complaint against Equifax Information Services LLC. on XX/XX/XXXX. This complaint addresses my rights to opt-out of credit reporting for the accounts outlined in my notice titled " Official Notice of Revocation of Consent and Opt-Out under Gramm-Leach-Bliley Act ( GLBA ) and Privacy Act of XXXX. '' EQUIFAX is allegedly in violation of the XXXX XXXX, having willfully and negligently failed to provide the required notice to opt-out, as mandated by the GLBA. Additionally, EQUIFAX is purportedly in violation of the Privacy Act of XXXX and the Fair Credit Reporting Act ( " FCRA '' ) pursuant to 15 U.S. Code 1681a ( 2 ) ( i ). In light of these alleged violations, I am demanding compensation of {$5000.00} for damages incurred due to EQUIFAX 's willful violation of the FCRA. 

I respectfully request the CFPB to investigate EQUIFAX and enforce compliance with applicable laws and regulations. I anticipate EQUIFAX 's timely cooperation. 

Best Regards, XXXX, XXXX XXXX All Rights Reserved UCC 1-308

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Around XX/XX/, Fraudsters, Scammers & Hackers, under fake identity, tricked & transferred US {$50000.00} of my funds, from my Wells Fargo Bank account to some foreign bank account, in their premeditated, elaborately planned & executed online cyber crime, in stealing & defrauding my funds.

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 2023-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
XX/XX/XXXX submitted my final employee certification for PSLF forgiveness. My qualified payments = XXXX. Requested to be put into Forbearance while counts were being updated. Mohela sent me a message saying my Forbearance expires on XX/XX/XXXX. So Mohela wants me to pay while they figure out my counts. My current count is XXXX. I submitted the paperwork verifying my employment. They stated I had to start paying again while They are processing my account. 
XXXX response or clarification

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
They have called my number multiple time all hours of the day and night. I have asked them not to call. I also referred them to my attorney. 

I have blocked other numbers from my phone. I have changed phone numbers. They still call. 

I have listed my number on the Do Not Call Registry as well but they pay no attention to any of the requests.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Vehicle loan or lease — Lease
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: U.S. BANCORP
State: LA

Complaint narrative:
Subject : Urgent Complaint : Deceptive Delays and Emotional Trauma Caused by US Bank 's Title Release Failure Dear US Bank Leasing Department, I am writing to express my extreme dissatisfaction and emotional distress caused by the unacceptable delay in releasing the title for my leased vehicle. After diligently fulfilling my obligations by paying off the full lease amount 90 days ago, I am now facing the dire possibility of losing my car due to US Bank 's repeated failure to send the title. 

45 Days of Inconsistent Responses and Wreckless Negligence : In the past 45 days, I have placed at least 4 calls per week inquiring about the title 's mailing status. Each call yielded inconsistent and unhelpful responses, further adding to my frustration and anxiety. This blatant disregard for my concerns and urgency represents a level of negligence that is simply unacceptable. 

Imminent Threat of Car Repossession : My new financier, adhering to their strict 60-day policy, is prepared to repossess the vehicle if the title isn't transferred to their name within that timeframe. This impending deadline hangs over me like a dark cloud, causing immense emotional trauma and stress. 

Financial and Emotional Damages : Due to the missing title, I have been forced to pay two months of car payments while being unable to drive it. This financial burden is compounded by the additional costs of relying on XXXX and borrowing other vehicles for my transportation needs. The constant worry and frustration of chasing unresponsive representatives has taken a significant toll on my emotional well-being. 

XXXX Efforts Rendered Futile : Even the XXXX XXXX XXXX XXXX, after receiving the title twice from US Bank with correction requests, is unable to assist me further. They have confirmed that the onus lies solely with US Bank to initiate the final mailing of the title. 

Deception and Lack of Accountability : The entire experience has left me feeling deceived and powerless. The lack of accountability and transparency from US Bank representatives is deeply concerning. I demand immediate action to rectify this situation before my car is repossessed. 

Urgent Demands : Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: OK

Complaint narrative:
Please review the attached documents. I request the bureau to initiate an investigation into accounts that falsely report me as late, even though I have never been overdue.

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 2023-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The TJX Companies , Inc. 
XXXX XXXX XXXX XXXX, MA XXXX Dear sir, Today, XX/XX/XXXXXXXX XXXX XXXX XXXX, I went to XXXX in XXXX, NJ to purchase several things. I tried to use a reward certificate ( # XXXX XXXX XXXX XXXX ), which I received with XX/XX/2023 bill, which I paid all already, along with another reward certificate received by an email from your company. However, I could not use this certificate ending XXXX at the casher. And this casher advised me to call your company to make it usable. However, I used the chat system of your company website synchrony.com. I tried to get an answer from this chat assistant, XXXX ; however, before I would get the satisfying answer, the chat was terminated. You can see the process of chat from the enclosed printout. I believe strongly I have not used my gift certificate ending XXXX, since I have this certificate with me. And I always give the certificates to the cashers ; therefore, this certificate with me must be usable. What I want to request you is to make this certificate usable. If not, would you give me why I can not use it, even though I have this certificate with me. Or maybe you might have printed twice ; then you need to explain why you printed out the certificates with same number and give the customers the disappointed feeling not to be able to have the feeling of satisfaction by getting some products free by the reward. 

Sincerely,

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 2023-12-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I have tired on several occasions to get my loan amount changed to be more affordable they keep raising it and offer no help back in XXXX of 2020 they loan officer said that XXXX was a option to get out of it. The loan was for XXXX to date I have already paid {$93000.00} with {$28000.00} left to pay off and 4 years to go. I dont understand if why I have to pay more then double my loan amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a Dispute with XXXX XXXX XXXX. 

I advised them the month they are showing for one late payment in my entire credit history is wrong ; that I was never late. 

I provided them with a copy of my credit card statement showing that I had a balance credit on my statement during the month in question.

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 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Time was spent call XXXX, typing and creating dispute letters, and licking a credit reports. Time was spent going back and forth to the post office. Time was spent finding errors on my credit. Reports time was spent calling XXXX multiple times. Time was spent filling out envelopes.Time was spent printing and signing dispute letters. Time was spent filling out usps certified mail forms. Time was spent in line at the post office

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: IL

Complaint narrative:
Plsease see attached documents. Do not close this complaint stating it is not me. I am a natural persdason and a consumer.

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 2023-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S Code 1681A- Definitions ; rules of construction- Exclusions.- Except as provided in the term " consumer report '' does not include and report containing information solely as to transactions oe experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may treat a payment on or a credit account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S Code 1681A- Definitions ; rules of construction- Exclusions.- Except as provided in the term " consumer report '' does not include and report containing information solely as to transactions oe experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may treat a payment on or a credit account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
XXXX XXXX General Manager fraudulently without permission falsified documents/folios at XXXX XXXX XXXX XXXXXXXX, checking me into/out of room charging my debit card XX/XX/XXXX, after he XXXX XXXX was not present on or at property, BLATANTLY LIED AND ACCUSED ME OF BEING ON XXXX XXXX AND ACTING ERATIC AND HAD FRONT DESK STAFF CALL XXXX POLICE DEPARTMENT AND HAVE ME ESCORTED OFF PROPERTY WITH MY XXXX XXXX XXXX son! Its all on surveillance cameras on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, Al. WHEN I WAS OUT XXXX SHOPPING ALL DAY! {$140.00} was credited back to my account by my card company and today at XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX central time approximately XXXX XXXX charged my XXXX CARD ENDING XXXX exp : XX/XX/XXXX for {$270.00}, {$110.00}, & {$45.00} usd WITHOUT MY PERMISSION AND OR INFORMED CONSENT IN WHICH I DID NOT NOW OR IN FUTURE GIVE YOU ANY PERMISSION! It was done in retaliation for myself and others who called XXXX XXXX XXXX XXXX  on him for being discriminatory! XXXX XXXX as the General Manager abuses his power and access to Credit Card Numbers ( because he as GM is the ONLY INDIVIDUAL WITH ACCESS TO DO SO! ) to BREAK THE LAW AND COMMIT CREDIT CARD FRAUD AND FINANCIAL ABUSE STEAL BY MAKING UNAUTHORIZED TRANSACTIONS CAUSING ME ADVERSE ACTIONS TO MYSELF MY SON AND MY LIVELIHOOD WITHOUT MY CONSENT when I MYSELF AM NOT PRESENT ON PROPERTY A WEEK AFTER MYSELF AND MY XXXX XXXX XXXX son was ESCORTED OFF PROPERTY UPON RETURNING AFTER BEING OUT ALL DAY XXXX SHOPPING AND THAT IS ALSO PROVABLE BY SURVEILLANCE CAMERAS ON PROPERTY! Please Note : XXXX XXXX thinks he can get away with his crimes because he fraudulently had myself and my XXXX XXXX XXXX son trespass from property via TELEPHONE CALL THROUGH HIS FRONT DESK STAFF WHOM WERE 2 XXXX MALES AS WELL! XXXX XXXX WAS NOT ON PROPERTY WHEN HE COMMITTED THIS EGREGIOUS VIOLATION CRIME AND NEITHER WAS I MYSELF OR MY SON! 
XXXX XXXX has been reported to corporate XXXX XXXX XXXX XXXX XXXX XXXX My Bank , XXXX XXXX Cyber Crimes XXXXXXXX XXXX, FTC, and now CFPB. 
I have consulted with counsel to take legal actions against XXXX XXXX personally, franchisee, XXXX ( breach, CREDIT CARD FRAUD UNAUTHORIZED USE OF A CC, violation of myself and my minor sons civil rights, false police reporting, defamation/slander to XXXX, front desk staff ( in which could have gotten myself and my my child Killed for false fraudulent reporting, abuse of power accessing cc information for nefarious use committing a crime. ) I AM NOT ANYWHERE NEAR XXXXXXXX XXXX XXXX XXXX XXXX I DID NOT SWIPE MY CARD, TAP TO PAY, or give my CONSENT PERMISSION AND OR AUTHORIZE ANY CHARGES ON MY CARD! Refund my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
SSN was used to open a gas bill in my name. Bill was unpaid and put onto my credit report. I was not of age when this gas bill was opened. Tried disputing through XXXX but they will not drop it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: PA

Complaint narrative:
M name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-12-28 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: PA

Complaint narrative:
M name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: PA

Complaint narrative:
I hope this letter finds you well. I am writing to bring an issue to your attention that I encountered while reviewing my credit report. It appears that an old credit card account under my name has been reported as a charge off.

As I am currently in the process of applying for a house, having an accurate credit report is of utmost importance. I understand that under federal law, when an account is charged off, the company is required to send a 1099C form to the account holder. However, I have not received this form for the above-mentioned account.

I kindly request that you send me a copy of the 1099C form associated with this charge off. This will allow me to have a more accurate understanding of the reported information and potentially address any discrepancies.

Thank you in advance for your prompt attention to this matter. Should you require any additional information from me, please do not hesitate to ask. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: AZ

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration with the persistent challenges I have encountered while attempting to rectify an erroneous charge off on my credit report. Despite multiple attempts, the charge off remains on my credit file, impacting my creditworthiness and causing unnecessary distress. I have diligently followed your dispute resolution process, submitting the required documentation and providing detailed explanations of the inaccuracies. However, the response I have received thus far has been inadequate, as the fraudulent item remain on my credit report. Despite my consistent efforts to rectify the inaccuracies on my credit report, the fraudulent entries persist, indicating a failure in the credit reporting process. This fraudulent entries have had a detrimental impact on my creditworthiness, affecting my ability to secure favorable terms for loans, credit cards, and other financial products. The responses I have received from your bureau thus far do not reflect a thorough investigation into my disputes, and I remain dissatisfied with the lack of resolution. I request the following actions to be taken promptly : I urge you to conduct a comprehensive and thorough investigation into the fraudulent item on my credit report, including a review of all supporting documentation I have previously submitted. Upon confirmation of the inaccuracies, I request the immediate removal of the fraudulent item from my credit report. I expect clear and timely communication regarding the progress of the investigation and the steps taken to resolve the issues. I request that your bureau implements measures to prevent the recurrence of such inaccuracies in the future, ensuring the integrity of the credit reporting system. If my concerns are not addressed satisfactorily within the exact timeframe from the date of this letter, I will be left with no choice but to escalate this matter to the appropriate regulatory authorities and seek legal advice to protect my rights. I am asking for your assistance to remove this fraudulent item in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My direct deposit was paid out by my employer into my Venmo checking account. On XX/XX/2023 I went to the ATM on this date to withdraw funds from the ATM. I was only able to withdraw {$800.00} instead of {$1600.00}. I contacted Venmo immediately to see if they could increase my daily limit hoping that was the issue. I was told they would not be able to increase my daily limit and I should try the next day or to try a transfer directly to my bank account which I did but it failed. I again reached out to Venmo about the failed bank transfer attempt. They said they were sorry for the failed attempt and could not explain why it happened. XXXX XX/XX/2023 I went back to the ATM after 24hrs. I tried to withdraw the remainder of the funds but could only withdraw {$300.00}. I reached out to Venmo again and was told that there is a security alert that blocked the transaction. I asked the reason for the security block and asked them to remove the block so I could proceed with my withdrawal. They said they do not understand the reason for the block as it relates to an automated system. As of right now I am unable to take out my money and they are not able to do anything about it. I need someone to help me! They really shouldnt be holding on to peoples money in such a way. Especially in an emergency situation. Please help!

Company response to consumer: Closed with explanation