vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 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: PA

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  I don't want this on my report, these are negative accounts reported under my name.

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 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX I had two credit cards and bank account with Bank of America. 
They charged me over and over again causing me to go in debt from the overdraft fees. 
I had to open payday loans to pay them to make them stop. 
I would say in total it was about {$5000.00}. 
I recently heard about he action law suit settlement. Well when I call them they act like they never heard of what I am saying.

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 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
XXXX Apple suspended my account for review of an XXXX charge dispute -I called every day for a month asking for updates and understanding of why my account was suspended. Multiple representatives told me that it would be resolved within the day or week. 

-I provided evidence proving a financial error by XXXX and Apple wherein I was being charged for a monthly installment for a watch I returned last XXXX. The Apple employee forgot to cancel my wireless plan attached to the watch when it returned and i was being charged for a watch and service I did not need. 

-After one month of daily calls, my account was closed without explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXhas 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 a account without my written instructions

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 2023-10-17 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: FL

Complaint narrative:
I submitted dispute with CFPB on XXXX for the following item XXXXXXXX XXXX XXXXXXXX The item have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report. 

XXXX XXXX XXXX Why is the high balance lower than the balance on this collection? Its impossible and needs to be removed!, You have the wrong open date 2 how can it have to open dates on each bureau?, this account has the wrong balance XXXX shows {$5700.00}, and Experian shows {$5900.00} how can this be?, monthly payment reported on closed account, section 609 states that you're required to send me the paperwork associated with this account. How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against.

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 2023-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIRST HOME MORTGAGE CORPORATION
State: VA

Complaint narrative:
First Home is fraudulently trying to take my home from me but putting me into default at their own whim and against policy. I have had nothing but issues with this company and I believe them to be doing similar shady transactions similar to what I dealt with with XXXX XXXX XXXX XXXX early XXXX. 

Responses received from mortgage company inconsistent and false. They are trying to take my property in order to gain a profit on the sale. I am a XXXX mom of XXXX kids who has never received child support. I have worked tirelessly to finally be able to provide a home and invest in my childrens future and First Home just wants to profit off of my struggles. 

I request an extensive look into the history my account and that someone finally hold First Hime accountable for their fraudulent practices. 

I am being forced to go through loss mitigation again so that First Home can get the additional money from the government. Essentially they are double dipping with federal money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-10-17 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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-10-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Emergent Business Group, Inc.
State: SD

Complaint narrative:
On XX/XX/2023 I received a phone call at work from Emergent Services about a payday loan that I owed, I requested to have all information mailed to my physical address. Gave them my actual phone number and address, They said no problem and would be in touch the following week.

I never received any such letter, also didnt receive any follow up phone calls on my personal line. 

Then on XX/XX/2023 they called me work again asking me to pay this debt. I told the lady since I did not receive anything in the mail like I requested to stop contacting me. The lady then tried to talk to me more about it so hung up because I felt like this wasnt legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: NJ

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX By using unfair trade practices XXXX XXXX XXXX car dealer sold my wife and I a lemon car which was unsafe to drive. Which almost led to the car accident my due to a complete transmission failure only 3 days after purchase. Secure one warranty company, whos contract car dealer forced me to purchased stating that its included with a car loan additionally for XXXX $ lied to my me and my wife over the phone by misleading and misrepresenting the contract formulation. Which had wasted us 2 whole weeks that car spent in a workshop recommended by the warranty company only to find out that XXXX XXXX is refusing to pay or fix anything. Car dealers website also were advertising that cars come with their 90 days warranty, which also was a complete lie. Car Dealer retrieved the vehicle from XXXX car shop at the end of XXXX telling us that they will do all repairs themselves and we didnt hear from them since. 

Westlake Financial and XXXX  XXXX warranty company and the car dealer put my family into financial burden and crisis. Im paying car loan, car insurance, XXXX rides to and from work. 
My transportation expenses exceed XXXX $ a month, my credit rating is dropping lower and lower, this is the worst car buying experience in my life. I still dont posses the car I purchased 4 moths ago. My wife and I barely was able to cover the rent last month and almost got evicted. Which would put us on the street with no car or any help. Our life turned to a XXXX XXXXXXXX. We were more than patient and understanding, my wifes health is declining now after all of these stress and shock, medical bills are adding up more and more. 
2 weeks ago I received a notice via mail from Westlake Financial ( dated 2 days after car sale ) that Warranty contract and GAP insurance were added to the car loan amount financed but were not included in the contract item list. In addition, car dealer made us sign separate agreement for a differed down payment with completely different company name, telling finance company that they received XXXX $ from us as down payment, no such agreement were included in the contract as well. 
Westlake Finance has no interest of helping me with the crisis they put me through, they only expect on time payments. Car dealer didnt contact me back for almost 2 months now, attempts to reach out to the dealer were unsuccessful.

I have a strong feeling that Im being scammed by the car dealer, finance and warranty companies using unfair trading practices, predatory landing and financial schemes. I ask for your help and guidance to restore my rights and protect my family and my familys credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it 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 2023-10-17 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2023-10-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Newport Intermediate Inc.
State: ID

Complaint narrative:
Card information was stolen and used. I filed a claim and some of the money was returned however they needed to " escalate '' my claim because there was some very weird charges like to pay taxes etc. that wasn't mine and I can not get a return call or answers. Also, One of the places that was card was fraudulently used agreed it was fraud and credited back my canceled card but the prepaid card company says I can not access that money because the card was canceled and they could not issue me a check for that money or transfer it to my replacement card that they issued me and that I could not claim that money. Fraudulent charges were from XXXX. I have attempted to request for a supervisor to contact me and have talked to the risk management department for the prepaid company. I have also spoken to many consumers that have had similar experiences with the same prepaid company. Perhaps this needs to be investigated further i.e. class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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 am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion for their refusal to remove and block certain accounts on my credit report, which have been reported as a result of identity theft. I believe that TransUnion is in violation of the Fair Credit Reporting Act ( FCRA ) concerning identity theft provisions, specifically Section 605B, which mandates the prompt removal and blocking of inaccurate information. 

I have taken appropriate measures to address the identity theft issue and have provided TransUnion with all the necessary documentation and evidence to support my claim. However, TransUnion has failed to comply with the FCRA by not removing and blocking the following accounts within the required four-day timeframe : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX It is my legal right, under Section 605B of the FCRA, to have this information promptly removed and blocked from my credit report, as it is a direct result of identity theft. The law states that consumer reporting agencies must act swiftly to prevent further damage to my credit and financial reputation. Therefore, I kindly request your intervention to ensure that TransUnion fulfills its legal obligations in this matter. 

I have attached copies of the following documents as evidence of the identity theft and my efforts to resolve this issue : A copy of the Identity Theft Report filed with [ Local Law Enforcement Agency ] on [ Date ]. 
Any other relevant supporting documentation. 
I kindly request that the CFPB investigate this matter and take appropriate action to ensure that TransUnion complies with the FCRA by promptly removing and blocking the aforementioned accounts from my credit report. This is crucial to rectify the harm caused by this identity theft and to safeguard my financial well-being. 

I would appreciate your prompt attention to this matter and request that you keep me informed of the progress and any actions taken. 

Thank you for your assistance in resolving this matter and upholding consumer rights and protections.

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 2023-10-17 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:
To whom it XXXX concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS AZ XXXX CHILD SUPPORT Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it 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 explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I made a purchase using the XXXX 's XXXX XXXX XXXX XXXX XXXX credit card on XX/XX/23 for {$1400.00}. It was set up for paperless statements, and the first statement went to spam and I missed it. I logged in to check on when the payment was due on XX/XX/23 and saw I had been charged a late fee. I called and explained, and the late fee was waived. I searched the entire website to try and find auto payments and alerts to avoid this problem in the future. There were no options available on the website for this, so I set up manual monthly payments in the amount of $ XXXX, well above the minimum payment due. 

My error was that I set the first payment for a month out, which was 5 days after the due date each month. I thought I had set everything up correctly. I went to the website today to check the balance, and saw that I had been charged {$41.00} in late fees and {$2.00} in interest charges every month since May. I never received a late notice, either written or email, and the statements for this account went to a spam/junk folder. 

I feel the website is intentionally set up in such a way as to deter customers from protecting themselves from late fees and interest charges by not making the auto pay and alert/notification options available. When I contacted the company to explain what happened and ask them to waive the late fees, they refused. I am out {$210.00} in late fees.

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 2023-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: FL

Complaint narrative:
Had XXXX insurance at the time still do, no reason why I should have a collection debt from XXXX emergency physicians.

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