vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after their investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my credit score The inaccuracies are highly injurious to my credit score Dept of EducationXXXX student loan XXXX - {$8200.00} ( XXXX and XXXX 90days late ) This company has continued to violated my rights in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Despite my multiple attempts to dispute these items I am writing to request the removal of unauthorized credit inquiries listed on my credit report with [ XXXX ]. Upon reviewing my latest credit report, I noticed [ number of hard inquiries ] credit inquiries that I did not authorize. I request that these inquiries be removed from my credit report immediately, as they were not initiated or authorized by me. Attached, you will find a copy of my credit report highlighting the disputed inquiries I appreciate your assistance in resolving this issue promptly.

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 2024-08-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I kindly requested IC System stop communication and to Cease and Desist of continuing of doing do, harassing, using profane language, false misrepresentation of XXXX XXXX XXXX and use of threatful and deceitful allegations that I owe them any money. IC System has done nothing but harm and damage and distress me and my reputation by reporting illegal accounts without my written consent, way worse creating such since I have never and theres no proof that I have ever inquired their company services for any reason. IC System its violating my federally protected rights and my request to stop doing so, effective immediately. If this account continues reporting on any of my consumer reports without my consent and proof of receipt or contract that you own or illegally bought this alleged account, Ill have no option but pursuing this matter in the legal field and seek for monetary relief for every month that this company has willfull noncompliance with the law by illegally furnished an account that doesnt exist, for identity theft, for sharing private information with third party companies, harassed with unauthorized illegal communication, harm and damage my reputation per 15 U.S. Code 1681n.

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 2024-08-21 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: NJ

Complaint narrative:
Im seeking your help with a misreported account on my credit report. This issue has negatively affected my reputation, and I need your immediate assistance. Your inaccurate reporting has caused significant harm, and its important that you correct this so I can have peace of mind with my family.

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 2024-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
I log on to FHB.com daily to monitor and manage my checking account. I also keep a separate independent log of every pending/current transaction that I know of Today XX/XX/year> I had 1 payment credit that was due to post to my account as well as 1-3 transactions that were due to be charged against the account anywhere from today to Thursday the XXXX. All of the transactions were executed against the account today, but there was enough to cover everything because I have been keeping track of it. Upon further investigation it appears that all charge transactions were executed first anywhere from XXXX to XXXX this morning and then the scheduled payment credit to my account was processed dead last, which allowed the XXXX payment to momentarily overdraw the account causing it to incur the {$30.00} NSF fee just before the {$32.00} account credit was to post. The FHB banking system is supposed to or normally has a grace period function that is supposed to delay fees like this for this very reason to give the account balance and transactions time to reconcile, but it did not occur in this case. 
Since this is clearly not my fault I am requesting that the {$30.00} NSF fee be reversed and restore my balance to it's rightful positive balance state. 
Another issue occured on XX/XX/XXXX where a small deposit of $ XXXX resulted in a post transactional balance that was {$0.00} less than what it should have been. I checked my balance just before entering the branch and then again later when I noticed the discrepancy. I have multiple alerts in my notes about this showing exactly where it occured and that I am not wrong. I chose not to mention it until now because of this {$30.00} NSF and did not feel like initiating a complaint over {$0.00}, but now is the time for it to be mentioned. 
I have attached excerpts from my notes and the deposit slip. I am requesting an account credit of {$0.00} for this as well.

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 2024-08-21 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: NY

Complaint narrative:
In XXXX XXXX XXXX  I received a call and letter from Hunter Warfield stating my son and I owe them over {$4000.00} for their client The XXXX XXXX. My son went to the XXXX to get information regarding this charge. They clam they have no information regarding this charge. I contacted Hunter Warfield multiple times to get verification and a breakdown of changes. To date I have not received this information. The charge is now showing on my sons and my credit report as in corrections which is effecting my credit and my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove 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 2024-08-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
Late XXXX, I received a letter from Lexus Financial Services ( LFS ) giving me the process of paying off or returning the vehicle to XXXX. I had decided to payoff the lease with a loan from XXXX bank. I attempted to call the number that was provided and got to someone who stated just go to the dealer and they will help you through the process of paying off the lease. In early XXXX I drove the car down to the dealership ( XXXX of XXXX at XXXX ). They told me that I needed to call Lexus financial Services because they did not do lease end processing. I attempted several times to get through to XXXX. I finally got a live person who said the dealership is required to help with the process and were actually paid to do so. XXXX sent me the paperwork in early XXXX. On XX/XX/XXXX I called to see if they received the paperwork they needed. They stated they did not. I asked to have the paperwork sent to me again. This time I sent the paperwork on XX/XX/XXXX with a return receipt requested. I waited XXXX weeks and called again on XX/XX/XXXX. XXXX stated they had received the paperwork but needed 30 days to process it. They received the paperwork on XX/XX/XXXX ( Return receipt ). However, they stated the bank needed to process the paperwork and send a check to them. I called the bank and got them to issue a check. On XX/XX/XXXX, I received a email stating they had not received my payment and the payment was late. XXXX does everything in their power to force you to return the lease end vehicles back to them so they can resell the vehicles. I had to fund the purchase with my XXXX account and make sure they knew I would report this to the FTC and NEVER lease another vehicle from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-21 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove 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 non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
acct XXXX Subject : Formal Complaint Regarding Cadillac Lease-In Complications and Inconsistent Balance Due Dear Sir/Madam, I am writing to express my deep frustration and dissatisfaction with the ongoing issues I have encountered with GM Financial concerning the lease-in process of my Cadillac vehicle. Despite multiple attempts to resolve these matters, I have been met with unresponsiveness, conflicting information, and a lack of transparency that has caused significant inconvenience and stress. 

To begin with, I have repeatedly requested documentation to verify that the lease-in process was not completed properly, as well as the notes and records of phone calls that were supposedly recorded during my interactions with your representatives. Despite these requests, I have yet to receive any of the requested documentation, leaving me in the dark about the specifics of the process and how it was handled. 

Furthermore, I was instructed to drop off my leased vehicle, but it was not communicated to me that the necessary paperwork and procedures had not been properly completed. I have attempted to dispute the balance due for several months, but I have been consistently stonewalled by your organization. Despite numerous requests, I have not been provided with a direct email address or phone number for a manager, nor have I been given a corporate address to escalate my concerns.

On multiple occasions, I have been asked to file complaints on my own behalf, despite the fact that it is GM Financials responsibility to address these issues directly. To add to my frustration, the balance due on my account changes inconsistently across different platforms. The amount displayed on the phone pay system differs from the documents sent to me, which again does not match what is shown on the internet pay system. This inconsistency has only served to exacerbate the situation and has made it impossible for me to resolve the issue in a timely manner. 

Despite the numerous complaints I have filed with both GM Financial and the Better Business Bureau, this matter has still been reported to the credit bureau, further damaging my credit score. It is unacceptable that my efforts to address this issue have been ignored and that I am being penalized for a situation that has arisen due to GM Financials failure to provide clear, accurate, and timely communication. 

I expect an immediate investigation into this matter and a prompt resolution that includes a thorough review of my account, correction of any inaccuracies, and removal of any negative marks on my credit report that have resulted from this situation. 


Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: TX

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough investigation and expedite the removal of these unauthorized accounts from my credit report as quickly as possible. Your immediate attention to this issue is greatly appreciated.

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 2024-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I was denied credit and due to cfr part 1002.4 A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Subject : Dispute with Bank of America Regarding Fraudulent XXXX Transactions Claim Number : XXXX I am writing to seek your assistance regarding a dispute with Bank of America involving two XXXX transactions that have been deemed fraudulent by the bank. Despite providing evidence supporting the legitimacy of these transactions, the banks investigation, based on a " cell phone conduction analyzer, '' concluded that these transactions were not initiated by my client. 

Transaction Details : Transaction Date : XX/XX/year> Amount : {$650.00} Confirmation Number : XXXX Transaction Date : XX/XX/year> Amount : {$650.00} Confirmation Number : XXXX These transactions were legitimately initiated by my client, XXXX XXXX, for services provided by XXXX XXXX On XX/XX/year>, I spoke with a Bank of America supervisor named XXXX XXXX ID : XXXX ). During our conversation, he informed me that the bank had conducted a cell phone analysis to determine the legitimacy of the transactions. However, a previous representative I spoke with on XX/XX/year>, instructed me to submit any evidence I had to support the legitimacy of the transactions via email. On XX/XX/year>, XXXX informed me that email submissions are not accepted for this case. 

I kindly request your intervention to help resolve this matter and ensure that the transactions are recognized as valid payments. Attached are copies of the supporting documents validating these transactions. 

Thank you for your assistance in addressing this issue. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-08-21 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-08-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: DHI Mortgage Company
State: OH

Complaint narrative:
Despite my multiple attempts to dispute these items I am writing to request the removal of unauthorized credit inquiries listed on my credit report with [ XXXX ]. Upon reviewing my latest credit report, I noticed [ number of hard inquiries ] credit inquiries that I did not authorize. I request that these inquiries be removed from my credit report immediately, as they were not initiated or authorized by me. Attached, you will find a copy of my credit report highlighting the disputed inquiries I appreciate your assistance in resolving this issue promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: FIRST PORTFOLIO SERVICING INC
State: OH

Complaint narrative:
Despite my multiple attempts to dispute these items I am writing to request the removal of unauthorized credit inquiries listed on my credit report with [ XXXX ]. Upon reviewing my latest credit report, I noticed [ number of hard inquiries ] credit inquiries that I did not authorize. I request that these inquiries be removed from my credit report immediately, as they were not initiated or authorized by me. Attached, you will find a copy of my credit report highlighting the disputed inquiries I appreciate your assistance in resolving this issue promptly.

Company response to consumer: Closed with explanation