vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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: CA

Complaint narrative:
I have made three separate requests to Kia Finance to complete a state title transfer so I can register my vehicle, but they have repeatedly failed to fulfill their responsibilities. 

First Request : Kia Finance sent the title to the wrong address, delaying the process. 
Second Request : Despite assurances, they failed to mail the title altogether. 
Third Request : Again, they failed to send my title as promised.

Over the past 6 to 7 months, I have made more than three dozen phone calls to Kia Finance to resolve this issue. Each time, I have been reassured that my title would be sent to the XXXX and that the matter would be resolved. However, their repeated failure has left me unable to register my vehicle. 

As a result of these delays, I have had to spend over {$1000.00} on temporary permits while waiting for Kia Finance to send the title. On my most recent call, I was told that my title would be overnighted to expedite the process, but shortly afterward, I received an email stating that it would actually take an additional three weeks. 

This situation is unacceptable. I have spent a significant amount of time, money, and effort trying to address this issue, but Kia FinanXXXX has consistently failed to act responsibly or provide meaningful solutions. I have also filed multiple complaints directly with Kia Motors, but nothing has been resolved. 

I am requesting the XXXX XXXX XXXX assistance in resolving this matter and holding Kia Finance accountable for their negligence.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: SC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: DriveTime
State: NC

Complaint narrative:
I applied for a car loan on XX/XX/XXXX at Drive Time. I went in signed papers provided my ss card, drivers license, bank statement and utility bill. I was contacted 2 day later that I had to fill out another ssa identity form online because the first one didn't take by fax. I stated no. I called the dealership and was told they were still waiting on approval and the was XX/XX/XXXX. 
2 weeks later I received a letter in the mail stating they could not proceed without additional information which was already supplied. I called Drive Time number which was provided in the letter asking if the could change my location to purchase a car, they did. 
I called the Drive time location on XXXX XXXX and spoke with a gentleman by the name of XXXX. I was told he would request my information from the other location. I waited another week. I was told evthing was processed, however they couldn't accept my bank statement from XXXX XXXX and I needed to provide another bank account statement or another utility bill for identification. The last conversation was I needed to provide an updated electric bill because the original was now out date from the original contact date of XX/XX/XXXX. I stated that if I provided that information that it will be another 7 days to process, which now will be no good as it will 45 days from the initial signing of the application. I was told if that happens I would need to do another application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I brought my car on XX/XX/XXXX, between that time of XXXX and XXXX of XXXX I made my payments with the exceptions of a few late ones but they would shut my car off, or I would have a warning ding that would go off in my car when I turned it on if my payment was late. In XXXX of XXXX i paid my payment up for 2 months and US auto sales shut my car off due to no payment saying my payment went toward an insurance they had when I had already had and insurance on my vehicle not thru them In XXXX of XXXX I found out that the company ( Westlake ) I brought my car thru was no longer in business from the news, I then received a call from Westlake XXXX XXXX asking me to make a payment of XXXX saying I was 3 months behind, I ask who they were, and the agent processed to say are you going pay or not I asked if they had my contract with their information on it they said yes and sent me my US Auto Sales Contract , when trying to find out who and where my car was taken I was told to call a 3rd party that told me ( Good luck getting your stuff ) and hung up on m they would tell me where my car was and then I found out it was in Georgia at the time I was XXXX there was no way I was getting to Georgia to get my stuff. I haven't gotten any information since they filed collection on my credit. My XXXXien holder had the company of US auto sales at the time and now it just says N/A. 
On XX/XX/XXXX they sent Contact information and payoff letter after requesting my Contract from them, with a whole new Account number. 
On XX/XX/XXXX they sent me a Payment History Letter, but it starts all payment from XX/XX/XXXX nothing prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NY

Complaint narrative:
XXXX XXXX REWARDS CREDIT CARD ACC. NO. XXXX XXXX XXXX XXXX XXXX To : XXXX, XXXX, TransUnion, CFPB, and XXXX  Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX XXXX To : Whom It May Concern, This letter serves as my third dispute regarding inaccurate credit reporting by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Despite XXXX XXXX XXXX disputes to XXXX, I have yet to receive a satisfactory resolution. I am escalating this matter to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX and the credit reporting agencies ( XXXX, XXXX, and TransUnion ) for further review and corrective action under the Fair Credit Reporting Act ( FCRA ). Key Points of My Dispute XXXX. Failure to Address My Prior Disputes : XXXX XXXX XXXX XXXX has ignored my previous disputes and failed to provide substantive evidence to justify the reported late payment. Despite my detailed requests, XXXX continues to assert the reporting is accurate without providing the necessary proof of compliance with FCRA requirements. 2. Violation of CFPB and FCRA Regulations : Under FCRA, 15 U.S.C. 1681s-2 ( a ), furnishers are required to ensure accuracy and respond to consumer disputes in a manner that includes proper investigation and evidence. XXXX has failed to provide proof of compliance with Regulation Z, specifically regarding the issuance of billing statements at least 21 days before the payment due date. 3. No Proof of Certified Mail Delivery : As required by 15 U.S. Code 1666b, XXXX must adopt reasonable procedures to ensure timely delivery of billing statements. I requested the certified tracking number or delivery proof for the periodic statement that allegedly informed me of the payment due on XX/XX/2024. XXXX admitted they do not use certified mail, which raises concerns about whether the statement was delivered 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 non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Following the Fair Credit Reporting Act, the unauthorized inquiry below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the unauthorized inquiry below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C1681c. ( 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 ) ( a ) 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. Please delete the unauthorized inquiry listed below : Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, Experian. Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/year>, Experian. Creditor Name : XXXX XXXX XXXX XXXX, Date of inquiry : XX/XX/year>, Experian.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this complaint regarding unauthorized hard inquiries that appear on my credit report managed by Experian. These inquiries were made without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX XXXX XXXX XXXX, and other applicable laws. Despite disputing these inquiries directly with Experian, I have not received a satisfactory resolution. 

These inquiries have negatively affected my credit score and, as a result, my ability to secure financial opportunities on fair terms. 

Details of the Unauthorized Hard Inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were conducted without my explicit authorization, violating the FCRA. 
Experian is required under FCRA 611 ( a ) to investigate and correct inaccurate or unverifiable information within 30 days of receiving notice. XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 6801-6809 : The XXXX  mandates that financial information can not be accessed or shared without the consumers consent. These inquiries infringe upon my financial privacy. 
Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 : Experian is obligated to prevent deceptive, unfair, or abusive practices. These unauthorized inquiries represent a failure to comply with this responsibility.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this complaint regarding unauthorized hard inquiries that appear on my credit report managed by Experian. These inquiries were made without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and other applicable laws. Despite disputing these inquiries directly with Experian, I have not received a satisfactory resolution.

These inquiries have negatively affected my credit score and, as a result, my ability to secure financial opportunities on fair terms. 

Details of the Unauthorized Hard Inquiries : XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were conducted without my explicit authorization, violating the FCRA.

Experian is required under FCRA 611 ( a ) to investigate and correct inaccurate or unverifiable information within 30 days of receiving notice.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 : The GLBA mandates that financial information can not be accessed or shared without the consumers consent. These inquiries infringe upon my financial privacy.

Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 : Experian is obligated to prevent deceptive, unfair, or abusive practices. These unauthorized inquiries represent a failure to comply with this responsibility.

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 2024-12-16 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: NY

Complaint narrative:
I have not been able to gain access to my Chime account and Ive given them all pertinent information to prove I am who I say I am. I have given them my birth certificate, Social Security number, state ID and passport and still have yet to be allowed into my account as well as my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
XXXX XXXX stole my personal information and sold it to other individuals who opened/started credit without my consent i am a victim of identity theft the following accounts do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The personal information being reported on my credit report are incorrect, I have included my documents for you to be able to update it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I've been with NFCU for nearly 25 years now. My most recent experience is why I'm leaving this review because it is likely going to cost me thousands of unnecessary dollars in sales tax. 

I purchased a vehicle XX/XX/XXXX, using an auto loan with NFCU. However, upon arriving to the DMV for title and registration, I was told that my wife had to be on the loan also, in order to be on the title and I would need NFCU to print and sign XXXX  Form, authorizing my wife to be added to the title. 

I called NFCU on XX/XX/XXXX and they confirmed this was the case. So, I opened a NEW auto loan WITH my wife as the XXXX in order to add her to the title. ( this was credit inquiry # XXXX and loan # XXXX FOR THE SAME AUTOMOBILE ). 

Upon securing LOAN # XXXX, a different rep at NFCU told me that my wife was NOT required to be on the loan to be on title and to go back to DMV and should be no problem, so we did. TRIP # XXXX to DMV, we were turned away again because state of Missouri REQUIRES any/all names on title to be on the loan. I contacted NFCU again, after emailing XXXX Form to XXXX ' XXXX separate times ( once on XX/XX/XXXX, twice on XX/XX/XXXX, and XXXX times on XX/XX/XXXX ) with attached .pdf form, requesting it each time to be signed to authorize my wife to be added to the title. 

Finally, NFCU confirmed that they faxed the document to the XXXX License office per my original request ( on XX/XX/XXXX ). 

TODAY ( XX/XX/XXXX ), upon arriving to the XXXX License office ( for the THIRD time ), we were turned away again, because the document that was FAXED from NFCU to XXXX License office was NOT the XXXX form and it was for a completely different LOAN and VEHICLE!!!!!!!! 

Contacted NFCU supervisor in titles department via phone again on XX/XX/XXXX, explaining everything again and requested for XXXX form to be printed and signed. They simply mentioned, " I'm just the messenger '' and that they mailed the form to my home address via XXXX ( this will be the SAME, WRONG FORM for the WRONG vehicle ). 

Still no solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I was looking on XXXX XXXX for a new laptop and I came across one of a guy giving one away for free. He stated in the description that he was giving it away as a gift to who every messaged him first. Then proceeded to ask for the shipping cost so I paid him via PayPal of XXXX , than states that he needed more money due to the weight of the package at XXXX costed more than he thought. At that point I kindly asked him if I can receive the money back and took down the listing as well as the profile he used as fraud.

Company response to consumer: Closed with explanation