vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I leased a XXXX XXXX XXXX XXXX in XX/XX/XXXX. My lease was for 36 months or for XXXX miles whichever comes first. I paid off the entire lease amount up front when I signed the lease contract. My lease contract shows the details. Because I used the car a lot, I had to return my car early in XXXX because the car gained almost XXXX miles. About 2 to 3 months ago, I received a billing statement from GM Financial. The statement says I owe {$660.00}. I called GM Financial to find out what the amount was for. I was told that {$390.00} was for " disposition '' fee and the rest was for XXXX tax for the disposition fee and some interest which they couldn't even explain to me. I paid the disposition fee of {$390.00} online, however, GM Financial insisted me to pay the state sales tax for the disposition fee. I never heard of imposing state sales tax on the disposition fee. In fact California 's " Regulation 1660 -Leases of Tangible Property - in General '' shows that sales tax should not be imposed on a leased vehicle. I emailed a copy of my lease contract to show I do not owe any money besides the disposition fee. GM Financial told me they will have to review my case. After a day or two later I found out that GM Financial reported to credit bureau that I have a delinquent payment. I've been maintaining excellent credit, however, due to their report to the credit bureau, my credit score plunged. GM Financial didn't even inform me that they were going to report to the credit bureau. I called to complain but they told me pay off the rest of the amount ( XXXX ). Again, I told them to review the documents I sent via email. They told me that they would review and let me know. I received another billing statement about XXXX weeks ago showing that I owe {$260.00}. I called GM Financial again on XX/XX/XXXX and ask them to explain to me what the charge is for. The person who answered my phone informed me that her manager would call me in the week of the XXXX of XXXX. Today, I received an email from my credit card company saying my credit score has gotten worse. My credit score dropped to 600 range. I was keeping at 800 range all the time, but GM Financial, without notifying me or giving me any details for the billing statement, reported me to the credit bureau for delinquent payment. I am really upset and this is totally unfair. How can GM Finance reported me to the credit bureau for delinquent payment while I was disputing the charges ( general excise tax on disposition fee and interest fee they couldn't even explain to me ). 
My lease contract clearly shows that I paid off the entire leasing amount. I don't owe any money to GM Finance. GM Financial should revert the action by recovering my original credit score. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Unable to use pre-paid cards at retailers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26 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: Nelnet, Inc.
State: TX

Complaint narrative:
Let this letter serve as formal notice that you have failed to respond to my dispute letter. As you can see, I am keeping careful records in regard to this matter. It has been well over the 30 days allowed by federal law for you to respond. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FT. Perhaps this is just an oversight or result of high volume of the requests you receive daily. I highly doubt an agency that is responsible of maintain accurate information would neglect to follow the laws that govern them on purpose. So, I will extend you the benefit of the doubt. Im sure youll want to tend to my request as soon as possible. To help you out I have included a copy of my original request, the dated receipt of when you got it, and a copy of the proof verifying the mistakes you have mistakenly placed on my records. To recap it all for you the following needs to be corrected : DEPT OF EDUCATIONXXXX XXXX XXXX is the only bureau reporting this inaccurate information. How is this possible when all data furnished should be the same?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: TX

Complaint narrative:
n 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. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 



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 an 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.

These end accuracies are stopping me from the ability to buy new appliances for my home or make any major repairs needed. In addition, I was about to get hired for a new job but i was denied because of my credit issue.

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I've asked this to be reinvestigate on XX/XX/XXXX and for XXXX to provide a method of verification. I received something 5 days VIA email from XXXX that these accounts came back verified, when I was never provided with any verification. Can you please properly investigate these accounts and send me an update?

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, XXXX XXXX  from XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 

This account reported on my credit report is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, Account:XXXX from XXXX XXXX XXXX has violated my rights.

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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

This account reported on my credit report is a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 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: NC

Complaint narrative:
NOTICE TO PRINCIPLE IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern I recently received a copy of my consumer report ( XXXX, XXXX, TransUnion ) and I noticed that it is reporting my experience with your company. 



The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. 





Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSION Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) - subject to section 1681s-3 of this title, any - ( i ) reports containing information solely as to transaction or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES Transactions or experiences between the consumer and the person ( creditor name ) making reports is not to be included on my consumer report! 



Utilization is an experience with the lone of credit that was extended between me, the consumer and the person ( creditor name ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC1681a 2Ai by reporting this transaction or experience ( utilization ) on consumer reports which congress clearly states IS NOT included on my CONSUMER REPORTS You have 10 calendar days to update my utilization score to 5 % or below and or delete all utilization from the below accounts XXXX 30 % XXXX XXXX 85 % XXXXXXXX XXXX 39 % XXXX % XXXXXXXX XXXX 40 % XXXXXXXX XXXX XXXX XXXX 10 % XXXX 3 % XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 91 % XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXespond satisfactory with deletion of the above utilization score, will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of character Negligent noncompliance Civil liability Mental anguish Fair credit reporting act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance 15 USC1681n

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 2023-11-26 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: MA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX Account : XXXX from XXXX XXXX XXXX, has violated my rights. 
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 an account without my written instructions. 
This account reported on my credit report is a 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 explanation
Consumer complaint received 2023-11-26 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: Supreme Lending
State: TX

Complaint narrative:
I have contacted the creditor and all three reporting agencies on XX/XX/2023, XX/XX/2023, and XX/XX/2023 times this year. They never provide any documentation substantiating with evidence or information to report the late payment on the Supreme Lending account. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6.2, which states I have the right to privacy ( 15 USC 1681 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. Also creditor may not treat a payment on an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of this title, is mailed, or delivered to the consumer not later than 21 days before the payment due date.

Statements are not delivered to me no later than 21 days before the payment due date. The statements are created on the 21st of the month prior and mailed to me, thus not delivered until at most 3 days prior to the payment due date, and often, they are delivered after the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: MS

Complaint narrative:
I've noticed unauthorized inquiries on my reports XXXX, Equifax and XXXX. I reported and provided this information over to the representatives and XXXX at all three ( XXXX ) bureaus over the phone. I've mention to them how I was aware that according to the FCRA, legally these unverified and unauthorized items must be moved but instead with XXXX they said they DO NOT and WILL NOT REMOVE any inquiries and gave no reason as to why. I am in the process of applying for a home loan and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. 
Below is a summary of the data that I am challenging : XXXX. XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX  XXXX ) XX/XX/XXXX XXXX XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX, XXXX XXXX XXXX. XXXX XX/XX/XXXX -Equifax XXXX. XXXX XXXX XX/XX/XXXX- Equifax XXXX. XXXX XXXX XXXX XX/XX/XXXX- Equifax XXXX. XXXX XXXX XX/XX/XXXX- Equifax XXXX. XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX- XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: MS

Complaint narrative:
I've noticed unauthorized inquiries on my reports XXXX, XXXX and Experian. I reported and provided this information over to the representatives and manager at all three ( XXXX ) bureaus over the phone. I've mention to them how I was aware that according to the FCRA, legally these unverified and unauthorized items must be moved but instead with XXXX they said they DO NOT and WILL NOT REMOVE any inquiries and gave no reason as to why. I am in the process of applying for a home loan and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. 
Below is a summary of the data that I am challenging : XXXX. XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX - XXXXXXXX XXXX XXXX  XXXX XXXX ( XXXXXXXX XXXX  XXXX ) XX/XX/XXXX XXXX XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX, XXXX XXXX XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX- XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX. XXXX XXXX XX/XX/XXXX- XXXX XXXX. XXXX XXXX XX/XX/XXXX - Experian XXXX XXXX XXXX XXXX XX/XX/XXXX - Experian XXXX. XXXX XX/XX/XXXX- Experian XXXX. XXXX XXXX XX/XX/XXXX - 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 2023-11-26 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: NY

Complaint narrative:
I am writing to bring to your attention a matter of utmost importance regarding my credit report. Upon a recent review of my credit history, I discovered several inquiries that were not initiated or authorized by me. This has raised serious concerns about potential fraudulent activity and its potential impact on my financial well-being. 

I have attached a copy of my credit report, highlighting the unauthorized inquiries for your reference. The fraudulent nature of these inquiries is evident as I have not applied for any new credit or services that would warrant such checks. As a responsible consumer, I take great care in managing my financial affairs, and the presence of these unauthorized inquiries is both alarming and distressing. 

I understand the critical role credit bureaus play in maintaining accurate and reliable credit information. Therefore, I kindly request that you initiate an immediate investigation into these fraudulent inquiries and take the necessary steps to remove them from my credit report. I believe it is crucial to rectify this issue promptly to safeguard my financial standing and prevent any potential negative consequences. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair credit reporting. I trust that your investigation will be conducted thoroughly and efficiently to rectify this matter at the earliest convenience. I also request that you provide me with updates on the progress of the investigation and inform me once the unauthorized inquiries have been successfully removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2023, there was an unauthorized transaction made from my BOA checking account of {$36000.00}. I got a text notification from BOA. I immediately called the BOA customer care and asked to freeze the transaction as this was unauthorized by me. The transfer was made to a XXXX. Finally, even after me requesting BOA to hold the transaction it was processed on XX/XX/2023. I had several calls made to Customer care at XXXX XXXX  and BOA.

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 2023-11-26 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: TX

Complaint narrative:
This letter is my final communication regarding your claim that the information in my dispute letter has been verified and that the information being reported by the furnishers is accurate. As you can see, I am keeping careful records in regard to this matter. It has been well over the 30 days allowed by federal law for you to respond. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the XXXX. Perhaps this is just an oversight or result of high volume of the requests you receive daily. I highly doubt an agency that is responsible of maintain accurate information would neglect to follow the laws that govern them on purpose. So, I will extend you the benefit of the doubt. Im sure youll want to tend to my request as soon as possible. To help you out I have included a copy of my original request, the dated receipt of when you got it, and a copy of the proof verifying the mistakes you have mistakenly placed on my records. Furthermore, I request your method of verification. In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

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 2023-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Green Sky Finance company and XXXX XXXX XXXX is refusing to cancel loan due to contractor hasn't completed nor started the project within the timeline. I also gave down payment and they refused to send refund. I've ordered windows from XXXX by XXXX in XX/XX/2023 and they still haven't started with no updates, no response. The contract stated XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: MN

Complaint narrative:
I have checked my consumer credit profile and have noticed that there is a TON of inaccurate information including information that I never authorized to be reported nor has any government agency given authorization for any of the information to be reported, ( XXXX, XXXX  ) never had authorization to report any experiences to any of my consumer reports these accounts are in direct violation of 15usc1681 ( i ) these acounts should be removed as required by law.

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