vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. 1681 Section 602 ( a ), Congress mandates that consumer reporting agencies ( such as XXXX and Experian ) fulfill their roles with " fairness, impartiality, and respect for the consumer 's right to privacy. '' As a consumer, I have a legal right to ensure my private information remains confidential. In support of this, 15 U.S.C. 6801 specifies that every financial institution is obligated to uphold the security and confidentiality of its clients ' nonpublic personal information.

Per 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies may only disclose a consumer report with the written consent of the consumer. Neither XXXX, Experian, nor any data furnishers have my explicit consent to share my information, whether the consent is written, implied, verbal, or otherwise ; therefore, any previously assumed consent is now formally revoked. Moreover, 15 U.S.C. 6802 ( b ) ( c ) asserts that no financial institution may disclose nonpublic personal information to third parties without providing the consumer a clear option to opt-outa right which I have not been informed of, nor have I been given the opportunity to exercise this option.

Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), it is prohibited for any consumer reporting agency to report adverse information older than seven years, except for criminal convictions. Reporting any adverse information that does not meet these criteria, particularly without my authorization, is a violation of federal law. Additionally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) holds that a person must not furnish information to a consumer reporting agency if they know, or should reasonably know, the information is inaccurate.

Under these protections and regulations, including 12 CFR 1016.7, I am formally exercising my right to opt-out of all reporting services and any further disclosure of my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: World Omni Financial Corp.

Complaint narrative:
Complaint to the CFPB : XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Banks Illegal Freezing of Account and Denial of Access to Funds Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against WORLD OMNI FINANCIAL CORP for unlawfully blocking my access to {$360000.00} in funds that were credited to my account after the bank processed my promissory note through its clearinghouse system. The promissory note, originally for {$35000.00}, was purchased by the bank, and I became the holder in due course of the account. 
However, despite my ownership of the account, the bank has frozen my funds without providing any legal justification or due process, in violation of consumer financial protection laws and my constitutional rights to property. 
Relevant Laws and Case Law : Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) : The banks conduct qualifies as an unfair and deceptive practice under the Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically under 12 U.S.C. 5531, which prohibits banks from engaging in unfair or deceptive practices that harm consumers. Denying me access to my own funds without explanation constitutes such a violation. 
Electronic Funds Transfer Act ( EFTA ) : The denial of access to my account also violates the Electronic Funds Transfer Act ( 15 U.S.C. 1693f ), which ensures consumer protection when accessing their funds electronically. Blocking my access to funds in this manner is a violation of my rights under this law. 
Truth in Savings Act ( TISA ) : The bank has further violated the Truth in Savings Act ( 12 U.S.C. 4301 ) by not adhering to its terms regarding access to funds. TISA mandates that depositors be provided clear terms for access to their accounts, which the bank has failed to honor. 
Requested Relief : I request immediate access to my funds. 
I seek a 15 % fine on the {$360000.00}, plus the interest the bank has accrued by withholding my funds. 
I demand that the banks actions be escalated to the Department of Justice and OIG for investigation, as this case constitutes fraud and a violation of fiduciary duties. 
I expect the CFPB to take immediate action to restore my access and hold the bank accountable for these violations. 
Sincerely, XXXX : XXXX XXXX XXXX All Rights Reserved Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I returned from a travel event and during the process of looking to shop for a home going through the approval process, my credit report reflected various accounts and inquiries of which I don't know anything about to my knowledge. My personal information such as the spelling of my name, address, employment history, and more was also seen to be incorrect. I have never accepted or benefitted from these items/companies and have filed a police report with my local agency, filled out an identity theft affidavit, and an FTC report , and provided additional notices to organizations letting me know my information had been compromised due to a large scale data breech. I suspect I may be a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a new phone number and new address and I have tried to update this with Capital One, however they are not able to accommodate my request within their system despite my best attempts and multiple escalations. After I told their agent that I am complaining to CFPB and that I have recorded their calls, they filed an internal complaint and now refuse to speak to me over the phone stating that their system is down ( I also recorded this as proof ) the problem : XXXX. As a consumer I have the right to information on my account such as my balance, recent transactions, payment history.

2. Capital one refuses to update my address and phone number stating that they need to verify my ID, and they are not willing to accept my United States Passport or my Passport Card. ( these are two valid forms of ID that I used to open my account ) I have no other ID, eve though I offered my birth certificate as well. 

3. My personal data is being sent to an old address that is now someone else residence, this means that I don't have access to any communication including debt collection. I am concerned that someone else is getting my statements.

4. I am unable to update my phone number for the same reason, they state that I lack a state ID, however I simply do not have this, nor do I have the means to obtain.

5. I am unable to make purchases because I can not receive the security PIN, it keeps going to the old number.

6. The biggest problem is that I can not login online, nor can I update my address to get statements meaning that I have to call in to XXXX to get status updates, verify transactions, and I'm concerned that the information may not be accurate or complete, and it is also very time consuming as to call in requires going through verification and hold times.

7. I believe that by law as a consumer I have the right to receive statements by mail to my designated address, on the last phone call I clearly provided this address to the agent and she acknowledged it but was not able to update. 

I believe XXXX is out of compliance with at least one federal law, which is their duty to maintain updated customer information. Because I don't know how much I owe or payments, now the card is going into collections and this will impact my credit score. 

I Have attached the XXXX recording of phone call. If you are not able to download or access the recording please reach out to me. I have also added the recording on XXXX and I can send the link if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: IN

Complaint narrative:
On XX/XX/year> I paid off my auto loan in full. Three weeks later I had still not recieved my title. I called and asked the status. They informed me that the dealer never sent the title to them which i knew was not correct as I was able to register and plate the vehicle within a week of purchase. I humored them and called the dealer whom confirmed my previous suspisions. I called them back and told them. They then switched the story and said that the lost the title and had to file for a duplicate. They said they should recieve the duplicate within two weeks and they would expedite it to me. Two weeks later still no title. I called again. They said the same thing again about the title was lost and that they were waiting on the replacement. It is now over two months since I paid of the loan and I still do not have a title. I called twice this week asking to speak with a supervisor and they transfer me to a voicemail and tell me someone will call back by end of business day. Today, XX/XX/year>, I requested the release of XXXX so that I can file for the duplicate through the XXXX XXXX. They told me they would fax the release of lein within an hour. It has been XXXX hours with an additional follow up call and now the supervisor, who still has not returned my calls, has to sign off on the release. I will also now have to pay approximately {$50.00} in additional title fees if i ever get my release. I have gone to the XXXX to see who holds the title to the vehicle. They say it was mailed to a Credit Acceptance XXXX 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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Card was stolen XXXX and XXXX purchased XXXX products. Wells Fargo would not acknowledge my request to return the funds or find the perpetrators.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2024-10-31 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: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
informed Jefferson Capital Systems , LLC approximately XXXX days ago this was a fraudulent account and a fraudulent attempt to collect from me... ..over 7 years ago informed/disputed all three bureaus of fraud involving XXXX account... all three removed XXXX XXXX, XXXX and XXXX ) info from reports... .now out the blue fraudulent account has returned

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: CA

Complaint narrative:
I am writing to formally request that all fraudulent accounts listed below be immediately blocked and deleted from my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), as I am a victim of a data breach resulting in unauthorized use of my personal information. The following accounts are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-31 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: CA

Complaint narrative:
I am writing to formally request that all fraudulent accounts listed below be immediately blocked and deleted from my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), as I am a victim of a data breach resulting in unauthorized use of my personal information. The following accounts are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dispute of Updated Account XXXX  ( # XXXX ) and REQUEST FOR Verification Method as per FCRA Section 611 I am filing this complaint regarding an unresolved dispute with XXXX ( partial account number # XXXX ), as reported on Experian report # XXXX dated XX/XX/year>. Despite an update to the account, several significant inaccuracies persist across all three major credit bureaus, specifically : Account Number : Variation in the reported account number.

Date Opened : Inconsistent reported dates.

H

igh Credit : Discrepancies in the high credit amount. Credit Limit : Inaccurate credit limit amount. Payment Status : Differences in reported days late. Last Reported Date : Inconsistent dates. Date Last Active : Inaccurate reported dates. Date of Last Payment : Variation in reported dates. These inaccuracies negatively affect my credit profile and may impact my financial stability. Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I have requested a detailed description of the verification procedure used to confirm this information. I am entitled to : A complete description of the procedure used for verification, including the method employed. The contact information ( name, address, telephone number ) of each person contacted concerning this account. Copies of any documents bearing my signature that demonstrate my contractual obligation to pay the claimed amount, as per Section 609 ( a ) ( 1 ) of the FCRA. I am demanding a full reinvestigation of this account and details of the verification method, as required by Section 611 of the FCRA. Additionally, any response based solely on the automated E-OSCAR verification process will be considered insufficient. I have filed my complaint with the Federal Trade Commission ( FTC ), in accordance with the FCRA. FTC Report Number : XXXX regards 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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Ive identified errors on my credit report showing late payments that do not reflect my normal payment habits. Please resolve these issues and update my 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 2024-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have gotten numerous pay advance from chime and when I won money online it repays my my pay back partially or in full I won money a couple days ago it paid part of my my payback I got another {$200.00} today and for some reason my account for my my pay is suspended and they said it has to be a {$200.00} limit within a 36 day. Which was {$430.00} all together as well as unprofessionalism lack of accountability false advertisement I did a dispute back in XXXX I had to dispute it XXXX different times with the promise of a provisional credit each time within a 10-day period and I never received any of it, THE NEED TO BE SHUT DOWN..Not to mention when I did my dispute they came up with four different amounts for the dispute which in reality is only onXXXX but they open XXXX different ones because of it.Please adresss this for there are other like my self who are on social security trying to make ends meet during the month, and with a bank like this they can't be trusted and lie to there customers with whatever bogus saying they can think of out of the top of their head... I have attached screenshots in regards to my my pay as well as the dispute if you look on the screenshots you can see that there are different amounts for it which in reality is only supposed to be one...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This account is fraudulent. The account was previously deleted with all three credit bureaus XXXX, experian and XXXX. However, experian is the only credit bureau that has reopened the account and it needs to be removed 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 explanation