vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: DE

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous entries from my credit history. Can you review the paperwork? Certain entries are flawed in terms of reporting accuracy, including erroneous amounts and dates.

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 2024-04-04 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am submitting this request to Consumer Financial Protection Bureau to formally file a complaint against GM Financial Compliance Department with not compiling with the Formal Letter Written by XXXX XXXX ( GM Financial Compliance Department ) submitted to Consumer Financial Protection Bureau and myself on the removal of the eight unauthorized hard inquires reported on my credit by GM Financial. The Compliance Department at GM Financial agreed to remove the unauthorized hard inquires in a Formal Written Letter dated on XX/XX/XXXX, XX/XX/XXXX, and email communication with XXXX XXXX on XX/XX/XXXX. However, the unauthorized hard inquires have not been removed and are still listed on my credit report. I have been more than patience with GM Financial and have given this department five months to process the submission of removal to the appropriate credit reporting agencies, which include XXXX, XXXX, and XXXX. I have been in contact with all three credit agencies regarding the status on the removal, which include telephone conversations with the dispute departments in XXXX, XXXX, and XXXX. The dispute department have disclosed that there is no past or current submission of removal in place.

These unauthorized hard inquiries are not in relation to any open or active accounts. These hard inquiries have adversely impacted and exhausted my credit report, which have affected my credit worthiness as a customer. I am attaching a formal letter from GM Financial to support my claims stated in this complaint.I believe that the inquiries made by the aforementioned business were made without permissible purpose as outlined in the FCRA, specifically 15 U.S.C 1681b. My interactions with this company involve clear communication. GM Financial did not have permissible purpose to make multiple hard inquiries without my consent, as these actions are not authorized by law. I request that Consumer Financial Protection Bureau takes the necessary actions to investigate this complaint to have these hard inquiries removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: MIDFIRST BANK
State: GA

Complaint narrative:
Do to mortgage company 's system issue misrepresent that didn't meet all conditions for HUD mortgage assistance due to missed payment during the three month trail of HUD mortgage assistance program I qualified for at the time the system denied the apples. I was told this information by a representative of my Midland mortgage on XX/XX/year>. I sent proof that I did make all payments on XXXX. On XX/XX/year> I followed up with mortgage company to confirm that they received proof of payment in order for them to proceed original HUD application. Per rep XXXX at approx XXXX XXXX  told me that yes they received proof of payment but that they are going to have to renege in moving forward with original application even issue was their system not properly updating the payments on the account. Instead without my consent processed a new mortgage assistance application request. I asked her what was needed to submit a complaint since they are not fulfilling their part of original application contract conditions. She said that she would have to submit it on my behalf and that I could not do so myself. They reneging to fullfil their part of original terms of application which is a breach of contact. I was never sent copy of terms/conditions, checked my inbox message center on company dite to get copy with no avail, and they would only provide conditions verbally. This has had a negative impact due to their systems issues, renigging, and not attempting to comply to original HUD application conditions.

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 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
This bank has chosen to really annoy, inconvenience, and XXXXXXXX XXXX XXXX  over the past month and I am not just going to take it! 
Last month something started that caused me to be locked out of my account requiring a support center call. It happened again earlier this week. 
The other day after logging in multiple times via the website and the app my account balance was positive $ XXXX. I knew that the next day I would tentatively have a deposit of $ XXXX and a charge of {$30.00} against the account along with another charge of {$180.00} for that day or the next day. 
Upon logging in to my account that afternoon I realized that my balance was off by {$30.00} only to discover that my account was charged an errant {$30.00} overdraft fee. 
Sometime after midnight they began to process batch processes and they processed all charges against the account first then charged a {$30.00} fee before finally and lastly processing the $ XXXX deposit to the account. Normally, their system is not supposed to charge a fee within this window for this very reason. Something was changed that made the fee charge immediately as soon their system, while still processing batches, saw the balance dip into the negative. 
I contacted them and they falsely noted balances of my account from the previous day to justify the fee then responded with another XXXX and condescending message today accusing me of not tracking my expenditures which XXXX XXXX XXXX XXXX XXXX I believe that was their intention. I make entries and track all of dollar involved transactions daily, which is why I am sure about what is going on with this bank. 
They tried to blankly blame my EFTs ( electronic funds transfers ) as the reason for the overdraft, which is absolutely ridiculous and everyone has EFT transactions toward their account to pay bills, move money, and receive funds, etc. 
I absolutely do not deserve to be treated like this!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-04-04 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:
FCRA 605B mandates the elimination of any erroneous entries from my credit report. Would you mind reviewing the paperwork? Several of the recorded accounts contain inaccuracies concerning reporting, incorrect amounts, and dates.

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 2024-04-04 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: MS

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit 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 non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: MI

Complaint narrative:
I received a cash app visit card in my maiden name XXXX XXXX. There is no I formation to speak with someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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:
I disagree with the information listed in the consumer report after your investigation. I demand that these items be immediately reinvestigated. Several notices have been sent to each CFO ( XXXX XXXX ( XXXX ), XXXX XXXX ( TransUnion ) and XXXX XXXX ( XXXX ) for verification. A copy of these notices has been attached. The inaccurate and unauthorized information are very harmful to my creditworthiness and my ability to extend my use of credit. Previous information that was brought to your attention as verified was recently deleted after reinvestigation. I also request that you provide me with details regarding the method used in conducting the investigation, including the names and contact information of any individuals involved, and a summary of the procedures followed. I expect to receive a written explanation of the results of the investigation, along with an updated copy of my credit report reflecting any necessary corrections or deletions. 
Unauthorized Accounts : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. These below accounts were not authorized by me. If these agencies are verifying that these accounts are authorized by me, I am demanding to see the original signed agreement or contract that grants them authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Late Payments, I dispute the accuracy of these late payments as they are erroneous and do not reflect my payment history accurately. Its information falsely manipulates my credit worthiness and it's hurting my ability to obtain the best credit rates. 
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 2024-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
i used affirm a few times and have charged off balances with them. When attempting to reach them to resolve the issue they cant speak with me because i cant remember my old email or cell phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed inaccurate personal information on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 ) ( 1 ) 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.

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 2024-04-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: CO

Complaint narrative:
I asked for details or a XXXX report, as well as I disputed the claim with XXXX who has done NOTHING TO INVESTIGATE!! JUST PRETEND INVESTIGATE!! So I disputed again asking for FULL DETAILS AND DISCLOSURE OF EXACT DATES I HAD A CONTRACT in XXXX who is only NOW in XXXX trying to collect a fraudulent bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: GA

Complaint narrative:
My interest rate on my Discover Card was dramically increased for no apparent reason.This is terriable customer service and should NOT be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello i recently look to my credit report and i saw that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXX XXXX  : opened XX/XX/year> XXXXXXXX XXXX XXXX  Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX Experian and XXXX violated my rights as a Consumer, The are in direct violation of the Privacy Act of 1974, FCRA, 12 CFR 1022, 15 U.S.C. 1692g, 15 U.S.C. 1666B and many others. Upon review of my credit profiles in which I found several inaccuracies. I immediately called each company to get these inaccuracies immediately deleted but to my demise Experian and XXXX refused to delete them citing that they did not have to power to delete these accounts because they belonged to the companies reporting them. I stated those are my account as I am the Bona fide Consumer and that this credit file belongs to me and not the Companies reporting Accounts in error. I also informed them that the Internal Revenue Service states that Charge-Off 's and consider Income and the can not report any account related to income per the law. The refused to immediately remove them stating that I needed to file a dispute with each individual company.

I found these Accounts being reported in error on my credit profile for Experian and XXXX : XXXX. XXXX Account number XXXX Original creditor Company sold Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$10000.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX. XXXX XXXX XXXX Account number XXXX Original creditor Company sold Account type Auto Loan Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$22000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account number XXXX Original creditor Company sold Account type Auto Loan Date opened XXXX XXXX, XXXX Open/closed Closed Status Account charged off. {$9000.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  Account number XXXX Original creditor Company sold Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX 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 2024-04-04 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: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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