vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
Excessive Credit inquiries on my account that I did not give permission for. 
XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I was late on my mortgage for a few months. The months that I was late was reported on my credit as delinquent for those specific months. Now Im on a forebearance paying back what I owe spit into XXXX months and paying my regular mortgage. Although those months have already been reported delinquent, they are not giving me credit on my credit report for my current regular payments that I have been making since XXXX of this year. They are still reporting as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX, XXXX I as the consumer have attempted to contact this company multiple times to seek remedy & it is now believed that this company is operating under the COLOR OF LAW. Under the Fair Credit Reporting Act, I the federally protected consumer wish to exercise my right to opt out of the disclosure this nonpublic information from my consumer credit report as i may have given written, unwritten, verbal and non verbal consent per 15 USC 6802 ( B ). I the consumer was never provided a method to opt out of the disclosure of my nonpublic information to this nonaffiliated third party per 16 CFR Part 313. I under the Privacy Act Of 1974 have the right to be protected against unwarranted invasion of my privacy from the collection, maintenance, use and disclosure of my personal information.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I'VE BEEN HAVING ISSUES WITH ACCOUNTS REPORTING ON MY CREDIT REPORT THAT WERE DUE TO FRAUD. I'M ATTACHING MY FTC REPORT ALONG WITH MY POLICE REPORT FOR THIS ITEMS TO BE DELETED.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'VE BEEN HAVING ISSUES WITH ACCOUNTS REPORTING ON MY CREDIT REPORT THAT WERE DUE TO FRAUD. I'M ATTACHING MY FTC REPORT ALONG WITH MY POLICE REPORT FOR THIS ITEMS TO BE DELETED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In 2021 I filed a complaint with your company trying to get these incorrect negative items off

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 2023-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I have a loan with Honda Financial that opened around XX/XX/2017. I have been making payments on time since, but noticed that there has been no reports to my credit. I called and was advised that there was a system update and my account was deleted. Unfortunately, nothing can be done. I need this reported correctly because I need the good payments as it impacts my credit tremendously. I have included just recent payments, however, I have all the payments available for proof as needed dating to XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
Carrington took over the mortgage. I have no say so in who owns my mortgage which is a horrible way it works. They did not communicate or act to pay my flood insurance which they require to be paid in escrow. In 20 years of having mortgages have never had this issue and my insurer XXXX XXXX XXXX said they were the worst to deal with. They delayed the process I feel on purpose to make me buy their insurance and Jack my price up. Double what I was paying. The only notice we received said final Notice. Then they delayed a process that my insurance company says usually takes XXXX XXXX at most into XXXX XXXX XXXX Have not gotten anywhere with the company. Second issue is I pay through my bank. Every other company that buys the mortgage has been super easy to do so. For some reason when I try to pay Carrington its a XXXX to XXXX XXXX process. I feel they are trying to harass me because I have a super low rate and they know they can get more money out of someone else. Its an I fair practice, and as this is not the company I started my mortgage with I feel I have been forced into a sub par relationship with an aggressive and belligerent company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX  XXXX {$340.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent Equifax a dispute letter on XXXX XXXX and it was received XXXX XXXX tracking XXXX pertaining to account XXXX  XXXX. Equifax DID NOT insert the notice of dispute on my credit report which should have been there within 30 days, it has been 51 days since my letter was received. This is a VIOLATION of my rights and impacting my good character. I have attached doc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I ( XXXX XXXX ) am currently in the middle of buying a property, when my lender ran my credit score I came to know of a non-authorize/fradulent account under my name with GS Bank ( Goldman sachs and co ) I tried calling them XX/XX/XXXX and once again today XX/XX/XXXX gave them all the information possible ( phone number, address, ssn, name and date of birth even account number showing on credit report ) and they/Goldman Sachs were still unable to find the account.

They Golsman Sachs did confirmed they will open an investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
I received an insurance check from my Insurance company made payable to me and the mortgage company. The mortgage company signed the back of the check and returned it to me, to be deposited into my Etrade checking account. I submitted the check using the mobile banking app, as there is no physical branch in my state. The check was rejected, per email sent to me, because it was made payable to me and the mortgage company. I called Etrade bank and was informed they do not accept checks made payable to the account holder when someone else is listed as the payee and not listed jointly on the account. When someone receives a claim check related to a property insurance claim and a mortage is associated, the mortgage company will always be listed on the check as a joint payee. This bank has placed me in a difficult postion and I can not begin to rebuild my home until this check is deposited and funds are available. I am left we no option to deposit my check with Etrade because their system rejects the check when attempting to re-deposit. I reached out to the insurance carrier and they said never before has this happened to any other clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I saw a post on XXXX from an XXXX XXXX. She posted XXXX XXXX XXXX tickets for the concert XX/XX/2023 at XXXX XXXX in XXXX XXXX California in a XXXX XXXX called things to do in XXXX. She requested two payments of {$500.00}. The first {$500.00} she asked me to send via XXXX to a XXXX XXXX And then the second {$500.00} to another mans name. I got suspicious and asked for the two tickets first which she would send to me via XXXX with my email address. She always made excuses why it wasnt working and I never received them. She kept trying to convince me to send the other money which I did not. I filed a claim with Wells Fargo, but they denied my claim.

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 2023-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch
State: CO

Complaint narrative:
XXXX and AutoPay engaged in deceptive practices via the XXXX XXXX website. My son and I recently purchased a used vehicle and financed it through a credit union at 7.64 % interest rate for 60 months. The XXXX XXXX website induced me to apply to refinance the loan and provided 15 pages of offers based on my credit scores. XXXX XXXX also knew the VIN, year, approximate mileage, make and model of the vehicle, so I assumed the offers would be accurate based on all the available information. I applied for one of those offers through AutoPay, going directly to the AutoPay website, application # XXXX. Since I am defined as a " prime borrower '' I expected the best interest rate advertised to me in the XXXX XXXX offers, which was 3.49 % for 60 months. Upon hearing back from the AutoPay representative, XXXX XXXX, XXXX, XXXX, he informed me by phone that the rate and payments would be higher than the rate and payments are on the existing loan. He said " interest rates are just very high right now. '' I asked him " if I don't qualify for the advertised rate, who does?, '' he replied " no one. '' I consider this a bait and switch tactic which induced me to apply for credit and resulted in a hard credit pull on my credit report as well as my son 's. It is very disappointing to me that XXXX XXXX would participate in this kind of fishing expedition by allowing such an obviously predatory company onto their web platform, using it to bait and switch XXXX XXXX  users into working with bad actors. I have a printout of the offers provided in my XXXX XXXX  profile as evidence of what AutoPay and other lenders are doing on XXXX XXXX 's website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I am behind on a single payment ( <30 days ) which I have discussed with the company and made a promise to pay because I have been having an issue with money recently. They have made multiple calls to me from the number ( XXXX ) XXXX. As of today, XX/XX/2023, Comenity Bank has called me a total of 12 times. Exceeding the 7-in-7 rule set forth by the FDCPA. The first set of four ( 4 ) calls being at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Then the second set of four ( 4 ) calls came, at this point equaling out to eight ( 8 ) calls, I returned their call again to explain to them that I will pay and to explain that they have thus violated the 7-in-7 rule by continued calls after speaking with me about this particular debt. The rep I spoke to first said she would update my status to prevent further calls from them to me. Two hours after that phone conversation Comenity proceeds to call me another four ( 4 ) times in which I made another call to them trying to explain what happened the supervisor I spoke with, despite being rude, he tried to explain that " Sir we did NOT try to call you 12 times today I can assure you. '' I proceeded to explain that I have the call logs to prove that they did. He then had me send them the record of the call logs and I attempted to do just that but they rejected it and would not allow my message to go through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
There's is an unknown address and name on my XXXX credit report associated with a fraudulent collection claim by Credence Resource Management , LLC. The collection claims that I did not pay XXXX XXXX {$1600.00} for the duration of XX/XX/2020 to XX/XX/2020. However, I was not an XXXX customer during that time frame. I reached out to XXXX myself, and they confirmed that this unpaid account used the fraudulent NY address that is found on my XXXX credit report. I have never lived at this NY address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief