vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-03 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: PCR Group
State: OH

Complaint narrative:
In accordance with the fair credit reporting act, XXXX  Account # 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 also states a consumer reporting agency can not furnish an account without my written consent/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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
A family member asked to send funds from my XXXX account linked to BMO to their XXXX XXXX. The funds he sent was a bad check. I had enough in my savings to cover the amount that was fraudulent & still had extra funds in my account. The bank told me XX/XX/XXXX they closed my account and I will receive my check in the mail in 3 weeks. I called back again about a month later and they said I need to go into the bank to verify myself. When I spoke to XXXX I told the fraud department on XX/XX/XXXX he said theyre backed up and theres no time frame on when my funds will be released. He said he will have the manager call and its in their notes, but no one reached out. Its going on 5 months now. My account is not closed its still in the frozen status.

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 2022-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # 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 a account without my 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed these items for being reported invalid and demanded them to be removed for being inaccurate. I understand that inaccurate reporting is illegal and should be removed

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 2022-09-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed these items for being reported invalid and demanded them to be removed for being inaccurate. I understand that inaccurate reporting is illegal and should be removed

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 2022-09-03 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
In accordance with the fair credit reporting act, XXXX  Account # 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 also states a consumer reporting agency can not furnish an account without my written consent/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 any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian falsely claimed to the CFPB to have remove the XXXX account that is still showing up on my credit reports. I have provided a copy of the initial complaint as evidence. CFPB must demand that Experian remove the account or I will seek monetary compensation for their illegal practices.

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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Every XXXX, I order a free copy of my credit reports from the three credit bureaus, via a mailed XXXX form. I provide all the necessary information ( SS #, DOB, address for past 2 years and full name ), as I have done for over a decade. 

Of the the three credit reporting agencies, only TRANSUNION, LLC is refusing to send me a copy of my annual report. 

TRANSUNION, LLC stated that they need proof of address. 

I sent TRANSUNION, LLC a copy of the postcard they sent to me proving my address. 
I sent TRANSUNION, LLC a copy of a magazine subscription proving my address. 
I correspond with TRANSUNION, LLC via my address and TRANSUNION sends me postcards at my address, proving my address. 
I also sent TRANSUNION, LLC a copy of the first-page of credit reports I received from XXXX and XXXX, again, proving my address. 

TRANSUNION, LLC is refusing to send me the free annual copy of my credit report. 

I don't have utility bills in my name. I am not going to send TRANSUNION, LLC my bank statement, canceled checks or paystubs. Transunion, is notorious for reporting wrong information on credit reports. And I don't want them providing third parties information that is not normally associated with my credit report. 

I suspect TRANSUNION, LLC has a major side business selling personal information to debt collectors. 

This is not fair. I deserve to see my credit report to dispute ANY and ALL incorrect 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 non-monetary relief
Consumer complaint received 2022-09-03 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: SC

Complaint narrative:
I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681. I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX {$1900.00} Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX VA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< XXXX XXXX XXXX {$22000.00} Account Information Address XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2000.00} Account Information Address XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} Account Information Address XXXX XXXX  XXXX XXXX  XXXX XXXX, SD XXXX Phone XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # 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 a account without my 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 any purpose.

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 2022-09-04 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # 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 a account without my 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 any purpose.

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 2022-09-04 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # 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 a account without my 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: CT

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX  XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 states a consumer reporting agency can not furnish an 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 2022-09-04 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: LA

Complaint narrative:
Several attempts were made and resolved regarding misspelled and incorrect LEGAL NAME INFORMATION on the EXPERIAN report. Despite repeatedly verifying my identity to EXPERIAN and continuing to submit requests for correction and IMMEDIATE REMOVAL OF ALL INCORRECT SPELLINGS OF MY NAME. After filing a complaint with CFPB on XX/XX/2022, EXPERIAN has since, reposted the incorrect information and continues suppressing my true credit score and history. More than 30 attempts have been made between XXXX XXXXTHROUGH XX/XX/2022 requesting resolution to no resolve.

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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I placed a temporary credit freeze with experian to protect by identity. I have been attempting to unfreeze it using the Pin number experian originally provided when I place the freeze. However it does not work. I have been spending hours navigating the website and tried calling the number provided. There is no ability to speak with someone on the phone and the options to navigate through the website or phone options were not fruitful. In case I am using the wrong userID or password, I asked to have it reset but Experian then asks for my birthday and social security number to verify my identity. It says my social security number and birthday do not match ( which they do! ). 

The other two services- XXXX and XXXX took 30 seconds to unfreeze. I have been spending four hours to unfreeze Experian and I am not able to. 

Unfortunately I have not been unsuccessful and I was attempting to open a new store card to purchase merchandise to take advantage of sale offer and it has now expired because I could not get this temporary freeze lifted.

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 2022-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XX/XX/2022 I was denied credit by ALLY FINANCIAL. I tried to call the bank to ask questions on why I was denied an extension of my own credit but was unsuccessful. I never gave the dealership XXXX XXXX XXXX permission to run my credit. they informed me that they were going to take a look at it but never mentioned how they were indeed going to run my credit. they then moved forward and had a conversation with with the bank ALLY FINANCIAL on how they wouldn't approve me because I had a late payment on a vehicle that is now paid off. I then received a letter in the mail from ALLY FINANCIAL stating that they inquired to the credit reporting agency to obtain a copy of my credit report that resulted in the credit reporting agency document ALLYS inquiry. I never gave ALLY written permission to obtain or run my credit only to be denied and for them to ask me for a down payment. I feel as I was discriminated against because of prior transaction that had absolutely nothing to do with them as a corporation. I was DENIED extension of my own credit based off of inaccurate reports. I've suffer financially and this has brought damages towards my credit and now have to deal with financial hardship. Please 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 explanation
Consumer complaint received 2022-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) pulled a hard credit inquiry on XX/XX/2022. Ive never applied, customer service has hung up on me 3 times when i called to inquire who, what or why the inquiry has been made to my 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 explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
We made an agreement to buy a new home from TriPointe Homes through their sales agent XXXX XXXX ( XXXX # XXXX ) The address of the property is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
The agreement was signed on XX/XX/22 This was agreed to be a primary home purchase. We made a deposit of {$12000.00} for this purchase. 

The loan agent XXXX XXXX ( XXXX # XXXX ) from the builder ( tri pointe connect ) approved us for a primary home with a down payment of 10 % and interest rate of 5.625 %. 
XXXX encouraged me to also create a FAKE lease for our current primary with friends and family to overcome the high debt ratio. 

When i refused to do that, they could not quality us as Primary Home. 
They wanted me to change the purchase to Investment with a much higher down payment and higher interest rate. 
For obvious reasons, we could did not want to lie and refused to buy it as investment home. 

At this point, they refused to return by Deposit and not responding to any of my mails. 

They also refused to provide me a copy of form 1008 and 1003 of my original loan application

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
account number XXXX XXXX XXXX XXXX FTC report number : XXXX I have taken the decency to report there Fraud perpetuated against me to the federal trade commission. above this sentence I have provided the report number for further clarification. 
the account number listed above is a open end consumer credit account. They have restricted me, The natural person and federally protected consumer, my right to my own credit. I came to the table with the credit. I am the person extending the credit in the transaction so it really makes no sense what so ever to me how the 2nd or 3rd party, could have a say so in what I do and how I sue my own right, which in this case is credit. 
this is out right discrimination. I came to the transaction with the intention of extending my credit to this corporation or financial institution, and they instead have taken my credit application and monetized the credit application and in turn retuned to me a monthly payment and a credit limit. 
again they have restricted my access to my own credit, my own right! pursuant to 15 USC 1602g, clearly states who the original creditor is. yes it is indeed true that after my application for credit, the financial institution does indeed become a creditor, but they do not become the original creditor. Any forms fabricated from this fictitious corporation indicating other wise is a violation of 15 USC 1611- Criminal liability for willful and knowing violation, which has criminal penalties before the civil penalties are paid also pursuant to 15 USC 1640 - civil liabilities indicates that any damages I received because of this fraud shall either be XXXX per violation or it will be any amount indicated by me on said invoice. 
I am the original creditor, the natural person, federally protected consumer is the only person that can extend credit and create debt. 
the fact that XXXX XXXX is legitimately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In XX/XX/XXXX I sent my first dispute letter to Transunion. Altogether I sent 3 rounds. This account is invalid. The last name on this account is incorrect. Below is the dispute letter I've sent. I asked that they verify and validate all data on this account. I have yet to receive proof of validation. Dispute Letter Section 609 Round 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Transunion, as I analyze my credit report, I am shocked to see the numerous errors you have listed. I am writing to have you remove them immediately. The following account needs to be removed immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Please verify and validate all data for this account. Every notation, dates and balances, whether reported or not. By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address. Attachment : 1. Copy of my Social Security Card 2. Copy of my Driver 's License 3. Copy of my Utility Bill I, hereby, attest that, to the best of my knowledge and belief, the above information is true and correct. _______________________________________________________________ Signature NOTICE Notary Public is not an attorney licensed to practice law and has not given legal advice or accepted fees for legal advice ; provided no assistance in the preparation of the above referenced documents, and has no interest in any issue referenced therein. Notary is not a party to this action and is only acting in an authorized capacity as liaison to communications between the parties. Using a notary on this document does not constitute an adhesion, nor does it alter my status in any manner. The purpose for notary is verification and identification only and not for entrance into any foreign jurisdiction. WITNESS my hand and official seal.

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