vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 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: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
Fraudulent inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
On XX/XX/2023 I paid for an XXXX for an entire month 's stay. The amount was for {$1600.00}. I had no where else to stay and needed to stay here and XXXX has strict refund policies and cancellation policies. Upon arrival there were many dirty walls, scratches on the walls, dents. The toilet started to leak randomly XXXX day and they had to send someone to fix it the following day which ended up flooding the bathroom. The XXXX host gave specific parking instructions on where to park your vehicles and what days of the week you're able to park in specific spots. Followed their instructions precisely and my car still ended up getting towed. I use my car for work and missed out an entire day 's wage and had to pay to retrieve my car back. The XXXX host admitted to no fault regarding to my car being towed and was unaccommodating to the apartment 's conditions which led to me disputing the entire amount I paid for the stay. Apple denied my claim because they don't see a billing error ( their words ) and I received my goods. In the picture with the blue lines that's where my car was parked when it got towed and it was on a day where I was allowed to park there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: NY

Complaint narrative:
As a federally protected consumer I have multiple inaccuracies, 15 USC 1681. reporting to the XXXX major Credit Bureaus XXXX XXXX XXXX XXXX and Equifax XXXX I have reached out to all said corporations and agencies documented on this consumer complaint document, for the last XXXX months XXXX to XX/XX/XXXX and as far back as XX/XX/XXXX with several registered letters. I have been ignored and the emotional and financial stress it has applied to my life has limited my ability to live a safe, healthy, and prosperous life. I have been consistently denied essential necessities such as credit, automobiles, and loans due to the consumer abuse of the agencies and corporations alike. My life and ability to function sufficiently has been severally damaged because of these illegal actions, I can not get anything. My identity has been stolen and used inappropriately 5 USC 522a. 
PRIVACY ACT OF 1974 My non-public personal information has been shared with third party companies and agencies such as XXXX, XXXX and Equifax. 15 USC 6802 6805 The limits on disclosure of nonpublic personal information to nonaffiliated third parties-16 CFR 313.10

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: NY

Complaint narrative:
As a federally protected consumer I have multiple inaccuracies, 15 USC 1681. reporting to the XXXX major Credit Bureaus XXXX XXXX XXXX Experian and XXXX XXXX I have reached out to all said corporations and agencies documented on this consumer complaint document, for the last XXXX months XXXX to XX/XX/XXXX and as far back as XX/XX/XXXX with several registered letters. I have been ignored and the emotional and financial stress it has applied to my life has limited my ability to live a safe, healthy, and prosperous life. I have been consistently denied essential necessities such as credit, automobiles, and loans due to the consumer abuse of the agencies and corporations alike. My life and ability to function sufficiently has been severally damaged because of these illegal actions, I can not get anything. My identity has been stolen and used inappropriately 5 USC 522a. 
PRIVACY ACT OF 1974 My non-public personal information has been shared with third party companies and agencies such as XXXX, Experian and XXXX. 15 USC 6802 6805 The limits on disclosure of nonpublic personal information to nonaffiliated third parties-16 CFR 313.10

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XX/XX/XXXX Experian notified me that my mortgage XXXX XXXX  company was in arrears. 
This dropped my credit score. 

I immediately contacted XXXX  and was informed that this is an error on Experian 's end. I have documentation from XXXX  to confirm this. 
I tried reached out to Experian via phone, but the artificial intelligence answering machine will not transfer me to a customer service rep no matter what time of day I call. 

I have attempted to call daily since XX/XX/XXXX In addition, there is no where on the website to email someone for assistance. 

How am I supposed to resolve this when there is no one at Experian to contact? 

This is having a negative impact on my Credit score. 



Below is the message I got regarding my account being delinquent : XXXX  XXXX  XXXX has flagged your account as XXXX  Days Past Due. 

XXXX XXXX XXXXXXXX has flagged your account as XXXX  Days Past Due on XX/XX/XXXX. 

Source : Experian XXXX : XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( XXXX  Days Delinquent )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. 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. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: CO

Complaint narrative:
I am trying to purchase a house, I realized that I had damages on my credit report. According to the 15 US 1666b there should not be any damages on my report its a defamation of character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Around the spring of XXXX I was notified that my Bank Of The West ( BOW ) credit card was going to be bought by BMO. Before the transfer date I contacted BOW to get some answers to some very important questions. i wanted to know if any of the terms would change. I was told they would stay the same. specifically asked about my promotional rate of XXXX % APR until XX/XX/XXXX. They told me it included balance transfers and purchases. Around XX/XX/XXXX I did purchase repairs for my spa for about {$500.00}. The transfer took place and I received my first statement from BMO for this credit card that was bought sometime in XXXX. There was a finance charge for the purchase on my statement. THIS IS CLEARLY NOT WHAT WAS REPRESENTED TO ME BY THE BOW ASSOCIATE. I contacted BMO and they reversed the finance charge. At this point I thought that this matter was resolved. A month or XXXX passed and when I checked my statement there were new finance charges. I contacted BMO to resolve this matter. It was at this time that they insisted that they were not going to honor BOW representation and they would charge finance charges on the purchase, I told them that I was not pleased that they would not honor the misrepresentation made by BOW employee. XXXX offered a suitable option. I toid them XXXX wouid like to send them {$500.00} to payoff the purchase in full. I would continue with the promo rate on my balance transfer. THEY TOLD ME NO. They said that if XXXX were to send {$500.00} it would go towards the balance transfer balance at XXXX % not the {$500.00} balance at XXXX  %. XXXX told them that if you were not going to waive the finance charges then you must allow me the option to payoff this balance. I feel cheated and scammed. They forced me into paying interest on a balance with a much higher rate. Any other Bank, XXXX, XXXX would always allow me to payoff a balance and have it directed to either a purchase, balance transfer or cash advance. In conclusion, the misrepresentation by BOW is fraud. All other disservice by BMO is unethical and immoral. I believe that when a bank purchases an account from another bank, they inherit the GOOD and the BAD. BMO did not want to step up and honor the representations made by an account that they purchased. Thank you for your help

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 monetary relief
Consumer complaint received 2024-04-22 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: MD

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2024-04-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with XXXX, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, XXXX has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that XXXX takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I received message # XXXX, saying i had a payment returned because my payment was a non-transactional account. I was put on hold for XXXX minutes and did not receive a requested call back ; I sent a message on XX/XX/XXXX @ XXXX asking for clarity. 
I received a response XX/XX/XXXX " According to our records, XXXX  your payments from XX/XX/XXXX and XX/XX/XXXX were returned because you used a non-transaction card to make your payments. Unfortunately, we are unable to accept payments by debit or credit cards for federally owned student loans. '' XXXX XXXX has a direct withdrawal on XX/XX/XXXX for {$390.00} which is my monthly payment. I spoke with the bank on XX/XX/XXXX and they said this money was not stopped on their end nor was it returned to my bank account. 

I receive message # XXXX @ XX/XX/XXXX XXXX Payment Has Been Reversed From Account : Please be advised your financial institution returned your payment effective XX/XX/XXXX, in the amount of $ {$390.00}. 
The payment has been reversed from your account for the following reason and your account may now be delinquent  : NON-TRANSACTION ACCOUNT Please contact your financial institution if you have any questions regarding the returned payment. 

I call the companyy and after a XXXX minute queue, the representative determines she has never seen this error and needs to transfer me. 

As of XX/XX/XXXX @ XXXX I have been on hold for XXXX min and XXXX seconds after already waiting XXXX minutes earlier and spoke to a human for XXXX minutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Fraudulent charges were made to my Apple Card in XX/XX/year>. Ive disputed them every XXXX  days. They do not do anything but just keep reopening a dispute. I continually have issues with fraud on this card. Ive requested new numbers several times. We are coming up on a year with XXXX results. 

Amounts are : {$1800.00} {$930.00} Made on the same day XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: CO

Complaint narrative:
I am trying to purchase a house, I realized that I had damages on my credit report. According to the 15 US 1666b there should not be any damages on my report its a defamation of character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: CO

Complaint narrative:
I am trying to purchase a house, I realized that I had damages on my credit report. According to the 15 US 1666b there should not be any damages on my report its a defamation of character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: PA

Complaint narrative:
I think FCRA 605B means we have to delete wrong accounts from my credit report. Can you see if the papers show this? Some accounts listed are wrong about what they say, like how much and when.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
XX/XX/XXXX I received an email stating that NewRez was going to raise my Escrow to pay insurance with NO supporting reason nor documentation.

I called the third week of XX/XX/XXXX and XXXX  times from XXXX to XX/XX/XXXX. Ive talked to XXXX different Customer Service people XXXX different times and each committed the Escrow error would be corrected.

I sent an email to Customer Service and I sent a Registered letter via USPS to NewRez XXXX and NewRez XXXX 

To date, after XXXX  months, the error has NOT been corrected and Ive received absolutely NO response from NewRez... XXXX!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: NC

Complaint narrative:
I am requesting an immediate attention to the following accounts that continue to appear inaccurately on my credit report : XXXX. XXXX XXXX - Acct # : XXXX XXXX. XXXX ( XXXX XXXX : XXXX XXXX ) - Acct # : XXXX XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX  ) -Acct # : XXXX They were already deleted in XXXX back in XXXX of this year. i have attached proof on my letter. I've been communicating with XXXX and Experian to deal with this matter, reinvestigate it further and remove accordingly but they tend not to hear my plea.

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