vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-24 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: IN

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX i purchased a new car financed with gm fianncial and made all payments on time leading up to accident that occurred and totaled the vehicle with a drunk driver in XXXX of XXXX ( i was not at fault ). 

XXXX XXXX promptly sent them a check for roughly XXXX that was received by GM cleared on XX/XX/XXXX and received prior. 

I called the GM financial every single day after this check was received for the month of XXXX and half of the month of XXXX asking them to please apply the payment to my balance so that I could get a new vehicle. It was impossible for me to get a vehicle with my credit looking like I just took out a loan for a vehicle 10 months before that, and hadnt paid it off yet. The difference was paid XX/XX/XXXX and when I spoke with someone at GM financial, they let me know that my account was satisfied in full and then I would be receiving a payoff letter within a few weeks. 

I never saw my payments applied to the account until XX/XX/XXXX. After GM financial accrued interest on the principal balance as well as late fees for 3 to 4 months after the vehicle was paid in full and loan was satisfied. 

I didnt know any of this until XXXX when it all came up on my credit reporting saying, I had a charged off account and defaulted on my loan. They had three months of late payments and listed it as a charge off. This has severely damaged my ability to do anything in my life ever since that day. It has sabotaged my ability to move forward, or make any moves with my business, because I am constantly having to fight the charge off that was never actually a charge off. I did all the right things and worked so hard to keep my end of the deal straight on the contract. However, GM financial has severely damaged, my ability to move forward with my life. By the way they have miss handled my file and for the past three years continue to keep these in accurate remarks on my credit report. I have proof and have provided them with proof and they also have proof on their end that everything was paid in XX/XX/XXXX. It is now XX/XX/XXXX and Im still dealing with the repercussions of them and accurately reporting on my credit. I was able to get them to remove it from XXXX XXXX due to all the inaccuracies, but it remains on my XXXX and XXXX has a charged off account. Please help me remove this and correct predatory GM financial. It has been the hardest part of my life just trying to overcome what theyve done to my credit even having the account paid in full less than a year after taking the car loan out in the first place. That is the type of behavior they should be rewarded on credit not punished and lied about for years, so that I am in able to utilize the fruits of my labor and rather stay waiting to have my record cleared of things that I did not commit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 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: NJ

Complaint narrative:
I wrote letters dated and mailed on XX/XX/2023, and XX/XX/2023 to TransUnion in regards to inquiries I found on my credit report that I didn't recognize and I believed it to be fraud. I'm unfamiliar with disputing items that I believe to be fraud on my credit report. I then reached out to XXXX in regards to my concerns and as of today XX/XX/2023, I haven't gotten a response. I'm very concerned and I'm reaching out to your agency for help! Attached to this complaint are all the supporting documents that I sent to TransUnion

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 2023-09-25 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
I received notice that my escrow amount will increase the total monthly payment by over 20 % from around {$1300.00}. to over {$1600.00} per month. 

When I contact the company the representative said the increase was due to a short fall for insurance. I advised the representative that there was actually an end of year surplus for the year and why would I need to pay around {$4000.00} more annually for an insurance policy that was changed the previous year. 

The representative hung up. 

XXXX XXXX was the mortgage company, when I previously asked for documentation of a transfer to Carrington mortgage, Carrington mortgage was never able to provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WSFS FINANCIAL CORPORATION
State: MA

Complaint narrative:
***AUCTION SCHEDULED XXXX I am having serious issues surrounding my rights after the death of a borrower with my fathers reverse mortgage. 

I, XXXX XXXX am the trustee, estate representative. 

XX/XX/XXXX I notified XXXX XXXX XXXX XXXX of my dads passing. I was informed of the death of a borrower process. I was informed I was allowed up to 12 months to satisfy debt and the extension process was explained. Page 18 in Know your rights. I uploaded the required documents. 

The property is currently ( XX/XX/XXXX ) under a water damage claim/repair that affected half of the 1st floor kitchen and the 2nd floor bathroom plumbing. This process is being monitored by the reverse mortgage servicer. 

This particular foreclosure should have ended with the death of the borrower, but at this point all I am trying to do was get an extension until the monitored repairs are complete and the sale can continue with an appropriate appraisal. 

In XX/XX/XXXX I started getting Foreclosure letters from XXXX XXXX, NO COMMUNICATION from my servicer/lender. 

*** I spoke with XXXX XXXX with XXXX XXXX as advised by XXXX XXXX XXXX to get assistance. The firm representing the reverse mortgage lender asked me when the last time I made a mortgage payment was? I asked if the lender or HUD was given my death of borrower extension requests, he responded by telling me there is no extension process?!? ***

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 2023-09-24 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: MS

Complaint narrative:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. with accounts XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX DEPARTMENT OF EDUCAT Account # : XXXX DEPT OF ED / XXXX Account # : XXXX DEPT OF ED / XXXX Account # : XXXX Inquiries XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX  XXXX Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

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 2023-09-24 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-09-24 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: Crow Creek Sioux Tribe
State: OH

Complaint narrative:
This company is charging an outrageous and impossible APR of 565.65 %

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: DC

Complaint narrative:
Someone applied for an XXXX XXXX they had to go through XXXX XXXX XXXX I don't recognize the regular hard inquiry. It's not mine 's I don't apply for credit online. This situation gave me heartaches and it put stressed on me moving forward. Please have the bank & TransUnion to remove and fix my online account for TransUnion. It's broke. The system is broke on my end. I can't view or unfreeze my credit report through TransUnion.

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 2023-09-24 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: NJ

Complaint narrative:
There are multiple unauthorized inquiries on my credit report that are hindering me from opening new credit : XXXX XXXX XXXX XXXX XXXX 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 2023-09-24 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: NJ

Complaint narrative:
I wrote letters dated and mailed on XX/XX/2023, and XX/XX/2023 to Equifax in regards to inquiries I found on my credit report that I didn't recognize and I believed it to be fraud. I'm unfamiliar with disputing items that I believe to be fraud on my credit report. I then reached out to Equifax in regards to my concerns and as of today XX/XX/2023, I haven't gotten a response. I'm very concerned and I'm reaching out to your agency for help! Attached to this complaint are all the supporting documents that I sent to Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 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: OH

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to I provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
My account was restricted for months and after providing them with all the correct documentation Robinho0d has closed my account with over {$14000.00} and won't allow me to withdraw the remaining funds. Their customer support is pretty much ran by AI or a generic script which is more and more obvious every time this happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit karma and XXXX XXXX stole my money and they both closed my accounts and keep telling me I have to call XXXX XXXX and XXXX XXXX keep telling to contact credit karma no one would listen to me and now they both closed my accounts and still have not given me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: TN

Complaint narrative:
Over the past month, Google arbitrarily refunded the trade in credit to its store credit account while it should be going back to my credit card. Upon requesting, Google refused to provide a valid solution. Amount {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: Kriya Capital, LLC
State: KY

Complaint narrative:
- In accordance with the fair reporting " XXXX XXXX XXXX XXXX has violated my rights.

- 15 USC 1681 Section 602 states i have the right to privacy.

- 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Primary issue : Unable to access my account and funds through any means since XX/XX/XXXX ( mobile app, online, or by phone with the assistance of a banker ). 

XXXX XXXX Opened person relationship banking online with an opening deposit, received bank account and routing number. Used these details to add deposit from my employer. Successfully set up online banking profile but was unable to see any accounts. 
XX/XX/XXXX - Received email confirmation from bank that opening deposit was complete. Opening deposit amount removed from my other bank. 
XX/XX/XXXX to today XXXX XXXX XXXX - Called BMO customer support, including online sales teams, on multiple occasions with no resolution. Agents gave many explanations : - Tell me they are unable to find an account from my account number or social ( only see an online profile ) and can't help me- Tell me there's an issue with linking up new accounts to online access and I have to wait - Transfer me to other departments that are closed - Investigate opening deposit based off the reference number and escalate to a manager, then promise to follow up but never do ( XXXX XXXX XXXX XXXX  ). 
XXXX XXXX  First employer direct deposit sent to account which wasn't returned indicating the money was received by BMO Bank. 
XXXX  - Received debit card in the mail which can't be activated. When I attempt to activate, it simply redirects me to the same customer support phone line. 

I've since cancelled my direct deposits but are continuing to be sent in a loop when calling for help so have been left with no choice but to escalate to CFPB. Although I'm confident in a long term solution to this given government protections and ACH tracking information, I no longer have confidence in BMO as a reliable bank or one that prioritizes their customers. 

IMPORTANT NOTE FOR CFPB : BMO IS UNABLE TO ASSOCIATE ME WITH MY ACCOUNT NUMBER SO ADDITIONAL INFORMATION LIKE THE OPENING DEPOSIT/APPLICATION REFERENCE NUMBER ( DTRPBCG ), ACH TRANSFER TRACKING NUMBERS AND/OR BANKING STATEMENTS OR PAYSTUBS SUPPORTING SAID DEPOSITS MAY BE REQUIRED TO RESOLVE THIS.

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 2023-09-24 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-09-24 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation