vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-05 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: CT

Complaint narrative:
On XX/XX/22 I received email alert unauthorized credit inquiry from bank XXXX XXXX was made to my consumer file on Transunion. That following Monday I contacted Transunion fraud dept requested remove any fraud inquiry and block access to my file from public. Transunion rep tells me they have no control wouldn't be able to assist me to contact bank XXXX XXXX directly. I spent over 3 hours on phone with bank XXXX XXXX after many transfers to different depts bank XXXX XXXX was unable to provide how they got access to my consumer file on Transunion. I called Transunion back asked to speak to manager after explaining my personal info is exposed in data breach and other credit bureaus blocked access removed all fraud inquiries I requested Transunion to do same. Transunion manager tells me they're unable to fulfill my request and disconnects call

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 2022-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: OPORTUN FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX my identity was compromised and I called all the companies that had a hard pull application out on my name and froze all 3 of my credit reports. On XX/XX/XXXX I noticed a soft pull from Oportun. I gave them a call to let them know that my identity had been compromised and to confirm that no applications in my name were made. They informed me that they could not locate an application in my name but would escalate to their high risk team and took all my information. I never heard back from them. On XX/XX/XXXX I received a notification from XX/XX/XXXX that Oportun requested a hard credit pull but it was blocked due to the credit freeze I had on my account and they were unable to get access. I didn't think much of it since the hard pull did not go through and I had informed them of potential fraud attempt in my name on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Oportun in the mail that they processed a request to change my address on my account that I never opened and only way I knew an account was opened was based on that letter. I called the company and eventually spoke with a supervisor. The supervisor stated that they would have been unable to flag any fraud under my name until an account is actually opened. If a consumer calls you to inform you of identity theft and you do nothing to prevent fraud being done through your company that is not safe for any consumer. The supervisor also confirmed that they opened an account in my name on XX/XX/XXXX. I requested that they close the account and she did and she also sent my information to the fraud team as there is no one on that team to speak with over the phone. How does a financial organization not have a fraud specialist that you can talk to on the phone? The fact that they opened an account in my name when my credit is frozen or based solely on a soft pull is unacceptable. They need to close the account permanently and I should not be liable for any charges the person who made the fraudulent account made while the account was open. I called back on XX/XX/XXXX and the supervisor I spoke to them confirmed that the person had made {$11.00} worth of charges but would not provide me the full card number. What kind of company does not have a fraud team that you can speak to? What kind of company when you inform them that your identity has been compromised 4 days before an account is opened allows an account to be opened? Their customer service team and system is not equipped to protect victims of identity theft from having an account open in their name. The fraudster tried to open 5 accounts in my name and the only one where they were successful was Oportun due to their lack of controls and fraud prevention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05 00:00:00
Product: Credit card or prepaid 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: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/2021, I ordered merchandise and paid for it using the VISA-Cash-App card -Transaction ID - # XXXX ) in the amount of {$5000.00}. The merchant promised to deliver the merchandise to me on XX/XX/2021, and the merchandise was NOT delivered. On XX/XX/2021, I requested a refund from CashApp user XX/XX/XXXX (XX/XX/XXXX Bank, Cash App ID : $ XXXX ) Transaction ID - # XXXX ). The refund request was unanswered. 
I contested this transaction with CashApp support team which also went unanswered. 
On XX/XX/2021, I sent a certified letter to Cash App Headquarters stating that the transaction need to be investigated for fraud and goods not delivered. My letter was signed for and delivered but I never received an answer. 
I then opened a police report, ( case # XXXX ) in the XXXX XXXX XXXX GA. An investigation was done and fraud was found. However CashApp refused to reverse the transaction. 
I am requesting that the error be corrected, that all finance and other charges related to the disputed amount be credited to my account, and that I receive an accurate statement. 
This is not too much to ask for and should be well within my rights. Please advise on how I can proceed. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: AL

Complaint narrative:
I contacted transunion about serval inquiries that are fraudulent I explained to them the law under the 15 USC 1681b Permissible Purpose Of Consumer Report and also sent a dispute letter in alone with a police report and clear picture of my ID and was told by the company yes we understand you know the law sir then hung up in my face

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 2022-06-05 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: AL

Complaint narrative:
The company equifax is reporting fraudulent inquiries on my consumer reports that violates my consumer rights under the 15 USC 1681b Permissible purpose of consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with 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 written instructions. 

15 USC 1666B : A creditor may mot 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 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: The Law Offices of Gregory Alexandrides, LLC
State: SC

Complaint narrative:
My social security card was stolen from my house after a women which was my ex boyfriends step mom ran me over with her SUV killing me, an has caused me so much pain because I can barely work, my body cant handle a full time job right now an everyone around me thinks their entitled to my money when there is only one of me. I just want my identity back an have everything to where no one can use my name or social security card or information again. Because i have taken a major loss an im drowning on almost a million dollars worth of medical bills that the hospitals promised they would help pay with their programs but they lied. Im just tired of being mislead by false claims, I want my freedom. Because I deserve it because I worked hard for every thing I have an I shouldnt have to lose it because the government broke their promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint is a follow-up on CFPB complaint XXXX. In this complaint, I requested Truist Bank to close all my accounts and refund the {$72.00} in NSF fees incorrectly charged to my account and now to refund the {$20.00} check account maintenance fee that Truist Bank has charged me because they have not yet closed my account ( s ) as requested in CFPB complaint 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 monetary relief
Consumer complaint received 2022-06-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Consumer Real Estate Finance Co.
State: FL

Complaint narrative:
I am a realtor and I have a client who was approved for a USDA loan on XX/XX/2022 by one of you MLOs XXXX XXXX. We made an offer on XX/XX/XXXX and it was accepted and went binding on the same day. XXXX received all the documents for the offer on XX/XX/2022. We had a 14 day financing contingency that XXXX was well aware of. A week after the financing contingency ended XX/XX/2022, XXXX called our client to tell him that he could not be approved for a USDA loan and instead had to go FHA and come up with an additional {$10000.00} down to get approved for a loan for the home. He never told me any of this information. He also told the client he would be get his earnest money back, which is not true and a total lie. He also ordered the appraisal and it happened almost a week ago, and neither the client nor I the realtor have received a copy of the appraisal report or even knew it had happened until the other realtor let me know. This is all unacceptable and if my client loses his earnest money, it is absolutely this lender XXXX 's fault. He has gone radio silent and will not answer any phone calls, texts or emails. I am referring our client to another lender to try to hold this deal together and not lose him his earnest money. I will never refer another client to your company, I can not believe how there is zero communication from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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:
N accordance with the Fair credit reporting act XX/XX/XXXXt Accounts # XXXX XXXX XXXX, # XXXXXX/XX/XXXX, # XXXX XX/XX/XXXX XX/XX/XXXX( XXXX ) # XXXX XX/XX/XXXX # XXXX # XXXX XX/XX/XXXX# XXXX XX/XX/XXXX # # XXXX XX/XX/XXXX XX/XX/XXXX # XXXX XXXX and XXXX XXXX has violated my right to privacy. 
15 U.S.C 1681 Section 604 A. States I have a 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: CA

Complaint narrative:
N accordance with the Fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX, # XXXXXXXX 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 XXXXXXXX and XXXX XXXX has violated my right to privacy.

15 U.S.C 1681 Section 604 A. States I have a 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

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 2022-06-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My certificate is deposit supposed be insured, I lost all money for Covid as my lost on all 3 acounts, I get on debt on most accounts, I will like to get help, I lost XXXX $ because COVID, need something to do all my dreams and my family dreams are vanishing, Bank of America need help and be responsible if i miss any information on insured

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 2022-06-05 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It appears this Collection agency has purchased an old fraudulent claim from XXXX that clearly was fraudulent. They have filed collection notice on 3 credit agencies in an effort to collect with out regard for the validity of the claim. 
Now they are holding me XXXX and charging me on a monthly basis to resolve this issue .. What a scam. if this is happening to me its happening to other people. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address 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 explanation
Consumer complaint received 2022-06-05 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: GA

Complaint narrative:
A hard inquiry was pulled on my account on XX/XX/2022 without my consent. The name is XXXX XXXX Bank. I did not authorize this at all.

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 2022-06-05 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, bankruptcy account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also 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 explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Usaa bank is damaging my credit by reporting my credit card as late eventhough I pay the what I can every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05 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: NY

Complaint narrative:
XXXX  XXXX acct ending XXXX had requested to delete this trade line now its time to delete this trade line

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 2022-06-05 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX Bank, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: GA

Complaint narrative:
A hard inquiry was pulled on my account on XX/XX/2022 without my consent. The name is XXXX XXXX XXXX. I did not authorize this at all.

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 2022-06-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
A hard inquiry was pulled on my account on XX/XX/2022 without my consent. The name is XXXX XXXXXXXX XXXX. I did not authorize this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: FL

Complaint narrative:
I ordered a sofa online from XXXXXXXX XXXX XXXX. I submit the purchase through XXXX. On or about XX/XX/XXXX, Two delivery men brought an unpackaged sofa to my door with a hole in the back of the sofa. One of the delivery men pointed to a hole in the sofa so I told them to take the sofa back to the store. I never ordered a sofa with a hole in it. They sent me the wrong sofa. The delivery men took the unpackaged sofa and rest it down on the dirty wet ground in the parking lot area. One of the delivery men came back to my house to have me sign a form stating the sofa had a hole in it and it is being returned to the store. The sofa was damaged that is why the men never brought the sofa into my home. I do not have their sofa. Any agreement I sign with them is null and void because you have to prove to me by law you can have someone sign an agreement to accept damaged products in their home and pay for it. 
At this time, XX/XX/XXXX, this is harassment. I would like to know how I can file fraudulent harassment charges against Experian and XXXX... I have also disputed this issue with Experian several times. The solution can not be to pay the bill or you will defame my character since XXXX and you never consider the consumers ' issues. I'm constantly telling this story over and over again since XXXX and nothing is being done.

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