vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was going through my credit file & realized that theres a security freeze on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
In early XX/XX/2023, I called Toyota Financial because I could not make my car payment. Until then, I had never been late. I was given a XXXX month deferment and told that I could another XXXX months if I called at the beginning of XX/XX/2023. Because I still need the extra XXXX months, I called today, XX/XX/2023, to request the deferment. I was asked why I needed the deferment, and I told them financial hardship, the same reason I had given XXXX months earlier. Within in minutes, I was told my request was denied. I was told Id receive a letter of explanation. The woman with whom I was speaking was not at all helpful but did request that a supervisor call me. She said that could take XXXX to XXXX hours. I asked if there was anyone else with whom I could speak. She said shed try to get someone in the resolution department but came back shortly and said no one was available. 

I spoke with XXXX other people over the course of the morning. The second woman took more information about my financial hardship and said the first woman should have asked about the nature of the hardship. This second woman said she was recording what I said. However, when I spoke with the fourth and final person, I learned she did not. 

The third person actually put me through to someone in the resolution department. That woman, the fourth person with whom I spoke, was rude and condescending. All she would tell me is that my financial hardship did not qualify for a deferment. She kept focusing on only XXXX aspect, other expenses, but would not listen to the nature of those expenses or why I had them. I even tried to explain the circumstances surrounding the actual purchase of the car and how the dealership had taken advantage of my lack of knowledge, how they had misrepresented aspects of the deal and/or left out important information, and how they had forced me to take add-ons I did not want. She just kept repeating the same thing, your financial hardship does not qualify for an extension. No explanation other than there are reasons it doesnt qualify that they dont disclose. 

I ended by telling her that she was giving me no choice but to voluntarily surrender the car because I would not wait for the indignity of an actual repossession. She then said something about other options becoming available once I was behind on my payments. I was too upset to listen further. I was trying to resolve things in good faith. I was also trying to reduce my stress level because I deal with extreme anxiety and other health concerns which are exacerbated by stress. 

Toyota Financial refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to express my serious concerns and frustration regarding the multiple unsuccessful attempts to remove the late closed and charge-off accounts on my credit report. These inaccuracies have persisted, despite previous disputes, and continue to have a detrimental effect on my creditworthiness. I hereby request an immediate and thorough investigation to finally resolve this matter. 

Despite multiple prior attempts to rectify these inaccuracies, they persist on my credit report, negatively affecting my credit score and financial standing. I have provided documentary evidence and information in each previous dispute to support my claims. 

I kindly request that you conduct an immediate and thorough investigation into these late closed and charge-off accounts, ensuring that my true financial history is accurately reflected on my credit report. I expect that you will complete this process within the legally mandated timeframe and inform me of the resolution as soon as possible. 

In accordance with the Fair Credit Reporting Act, I also request a written explanation of the steps you have taken during your investigation and any changes made to my credit report. 

The continued presence of these inaccuracies on my credit report has caused significant distress and has hampered my ability to secure credit, loans, and financial services. It is imperative that these issues are resolved promptly to restore my creditworthiness and financial stability. I am asking for your immediate assistance to remove the following accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information XXXX be inaccurate. I need this removed now. 

XXXX XXXX XXXX XXXX Owed : {$2900.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX XXXX XXXX : {$160.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX XXXX : {$560.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to request the removal of unauthorized credit Inquiries from WELLS FARGO. 
They did multiple credit hard pulls for XXXX credit card. I have XXXX inquiries with only XXXX account opened with Wells Fargo These XXXX inquires were unauthorized Inquiry dates : XX/XX/2022 Inquiry : WF CARD SVC They did hard pull I didnt apply for anything Inquiry dates XX/XX/2022 Inquiry : WF CARD SVC They did hard pull when I didnt apply for anything.

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 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
I'm reporting Chime to the CFPB because I've inquired 4 times already regarding a charge on my card from XXXX, disputed 2 times for different charges, both disputes got rejected and dispite a representative promising me that they would provide evidence used to make their decision, I've gotten nothing. Was also promised by a representative that Chime placed a stop payment on that merchant which they just tried to authorize my card again. I've had my card number changed twice already and I count on my bank to help me when the merchant can not. Chime has failed me and led me to stop my relationship with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: FL

Complaint narrative:
I was going through my credit file & realized that theres a security freeze on my credit file.

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 2023-11-02 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: CA

Complaint narrative:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

This item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history

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 2023-11-02 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: CA

Complaint narrative:
Consumer reporting agencies EXPERIAN, XXXX & XXXX are violating my consumer rights with respect to furnishing unlawful consumer reports on my behalf. CFR Title 15 USC 1681a 2 clearly states the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; these consumer reporting agencies are in clear violation of the law furnishing information in the status section of my consumer reports containing nonpublic personal information solely to transactions and experiences between me and the banks making the reports. They are to lawfully be deleted immediately. There are over a dozen accounts where consumer reporting agencies are in clear violation of the law in the furnishing of my consumer report.

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 2023-11-02 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02 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: FL

Complaint narrative:
I was going through my credit file & realized that theres a security freeze on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never obtained this account and also how can a person obtain an account on two different days and then the same date its last reporting was the same day the account wa closed, that doesn't make since. this company stole my information and refuses to fix the error. I have been sending in disputes for months and they get rejected in a day or the company responds back verifiable within any written notice and without any supporting documents. I don't even know what information was used to obtain this account nor does any of the information on my credit report matches this information and that is one of the regulations and guidelines any business or consumer to have update information or accurate information across all three bureaus and this is not the case. please have a human review my request and not an automated system or machine and also update and send any verifiable documents with notary signature and matching ID used at time of purchase or delete this fraudulent 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 2023-11-02 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: TX

Complaint narrative:
XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023. 

I've asked the Experian to remove the fraudulent accounts and inquiries from my credit report, they did not even open and ignored my CFPB COMPLAINT ID : XXXX. They did not even attempt to look at the complaint notice and I know my rights under the FCRA.

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 2023-11-02 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:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint regarding an unfair reversal of a retention bonus statement credit by American Express for my Platinum account ending in XXXX. 
On or about XX/XX/XXXX, I was offered a {$550.00} statement credit by an American Express customer service representative if I met a {$4000.00} minimum spending requirement within 3 months. According to my calculation, I met this requirement within the timeframe on XX/XX/XXXX, and the statement credit was applied to my account the day after. 

However, over XXXX months later on XX/XX/XXXX, American Express abruptly reversed this credit from my account. When I inquired, I was accused of " gaming the system '' because the XXXX XXXX merchant return was posted on XX/XX/XXXX instead of XX/XX/XXXX when the purchase was made. 

This return was due to a merchant error - I had to return an item and repurchase it when the merchant made a mistake in processing it. I completed this return and repurchase in good faith and met the {$4000.00} minimum spending as agreed. 
I find it unacceptable that American Express waited over XXXX months to reverse this credit without any notice. Their accusation of " gaming the system '' is baseless, unfair, and adds insult to injury. 
I fulfilled my end of the retention offer agreement in good faith. American Express failed to honor their end of the agreement and unjustly reversed the credit I earned. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Not too long ago i saw strange purchases on my credot cards that were not things i myself had purchased. So i had them all replaced and those specific purchases marked as fraud. Then on XX/XX/2023 I noticed a hard inquiry on my transunion account that I had nothing to with. It was from XXXX XXXX  who I have never used so it made no sense why i would have a new hard inquiry from them.

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 2023-11-02 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: PA

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I bought a {$50.00} American Express gift card from XXXX. Tried to use it and every transaction keeps getting declined. I tried to use it on XXXX, pay towards my internet bill, pay towards electric bill, and XXXX 2 more times. I called the number on the card and no option to get a customer service representative. I log in to check the balance and it says the card is active but it has now taken XXXX cents for every declined transaction. So now it has {$49.00}. I found a different phone number and spoke to someone and they said just keep trying different vendors or in person purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
False information on my consumer report

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was going through my credit file & realized that theres a security freeze on my credit file.

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 2023-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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