vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 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: TX

Complaint narrative:
Multiple Credit Inquires with no permissible purpose on my credit profile.

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 2021-05-12 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: NY

Complaint narrative:
There was an Unauthorized inquiry from XXXX XXXX furnished on my consumer report back in XXXX, XXXX. I informed both the consumer credit reporting agency and XXXX about the fact that my right to privacy as a consumer was being violated and that they were both in violation of the FCRA 15 U.S.C. 1681 et seq., for unlawfully reporting inaccurate information on my TransUnion consumer report from an Inquiry dated XXXX without my authorization or a permissible purpose. XXXX has sent me 2 letters stating that the inquiry would be removed within 30 days which has not happened the first letter dating back to XX/XX/XXXX and the latest XX/XX/XXXX. At this point Transunion is also in violation for willful noncompliance, in Fact, I have submitted multiple disputes via certified mail # XXXX and Transunion has failed on multiple occasions to remove the inaccurate information therefore they are in violation of 15 U.S. Code 1681n ( a ) any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of 1. ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not mor than {$1000.00} ;

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 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is the sixth time I've attempted to get this mistake corrected I have sent out a multitude of letters and still no resolution whatsoever. There is a name that I am not associated with at all under my credit report and this is attempt number seven.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I am asking for SLS to audit my account, since servicing XX/XX/XXXX my loan. They have failed to provide any documents with the proper information and correct balances. I want them to show me how my XXXX paid since XX/XX/XXXX how it was handled. I am asking for a complete audit on this account, not typed in a letter but I want the detailed actual document that they are going off of to present on this complaint. I need to know that my money was handled correctly and there is no fraudgelent activity taking place. With these incorrect balances they have reported to the credit agencies XX/XX/XXXX more than 90 days late. SLS has failed to provide correct documentation to support their response and show any accuracies. This account needs to be audited immediately. this is what is place right now -- -- Defamation of character occurs when someone makes a false and harmful statement about you. " XXXX '' is a defamatory statement made in writing or posted online, while " slander '' is spoken defamation. Those essential components of a defamation claim are fairly straightforward. I also have approved phone calls with this company refusing to give me details on this loan. 

correct credit report, explain to me why I got a bill over XXXX for XX/XX/XXXX. 
then explain to me why on their website does it say XXXX. I am demanding this company to audit this account as it is my right to have documentation of all facts to the account. They have failed to provide any legal documents that are correct to me. Provide me supporting documents to verify the two different amounts on this account. Calculate how much money has been paid on this account since XX/XX/XXXX and give me the balance. Then explain to me how they got the balances that they got. this is illegal and they are committing fraud. I need to know my money has not been tampered with or embezzled by someone is this company.

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 2021-05-12 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: CA

Complaint narrative:
1. The term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

2. Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. 
I wanted to provide some information i found in the Fair Credit Reporting Act for the credit reporting agencies I'm making this complaint about. 
I DID NOT CONSENT TO, AUTHORIZE, NOR BENEFIT FROM THE INQUIRES IVE LISTED IN THE FTC REPORT I HAVE PROVIDED I HAVE ALSO PROVIDED PROOF OF IDENTIFICATION.

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 2021-05-12 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: CA

Complaint narrative:
1. The term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

2. Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. 
I wanted to provide some information i found in the Fair Credit Reporting Act for the credit reporting agencies I'm making this complaint about. 
I DID NOT CONSENT TO, AUTHORIZE, NOR BENEFIT FROM THE INQUIRES IVE LISTED IN THE FTC REPORT I HAVE PROVIDED I HAVE ALSO PROVIDED PROOF OF IDENTIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: N26 Inc.
State: MI

Complaint narrative:
Company closed my account without notice. Refused to provide me account statements. Refused to allow me to dispute fraudulent activity. Laughed at me on the phone after I said I was on consumerfinance.gov filing a complaint against them. They have refused to allow me access to my funds. This bank is a total fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As indicated by the attached copies of letters and mailing receipts, Experian have been delivered by certified mail numerous dispute letters as well as a follow-up letter, dated as far back as XX/XX/XXXX. As of this moment, Experian have not done their duty mandated under the law. The inaction in this matter is inexcusable, and the disregard for the law is contemptible. 

As you are well aware, federal law requires a response within 30 days, theyhave failed to fully update my Credit Report accurately. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter. I further reminded Experian that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for your willful non-compliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised Experian on ten separate occasions, more than 75 days and again 40 days ago : XXXX Account number 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 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Lending Club Corp
State: AZ

Complaint narrative:
In late XX/XX/2021, after being released from hospitalization due to XXXX related health issues, I discovered that someone had stolen hundreds of dollars from my checking account via fraudulent charges from XXXX. While hospitalized, I did not have my computer or phone with me, and this is the first time I became aware of these charges, which span XXXX and XX/XX/2021. After filing a dispute with XXXX for every charge ( all disputes were denied, without reason given, and the appeal was also denied ), I filed a fraud affidavit with my bank, formerly XXXX XXXX and now, Lending Club. I called to file the complaint and included all fraudulent charges and included some key facts ; 1. During the period in which I incurred the charges, I was either very sick at home or hospitalized ; and 2. The only XXXX product I have is my XXXX which I did not possess at the time of these charges. In fact, in mid-XXXX XXXX, I sent the phone to my insurance carrier since a damaged battery needed to be fixed. I did not receive the phone back until I was back from the hospital in late XX/XX/2021. These charges were all made from XXXX Applications, and, again, besides the XXXX, I do not own any other XXXX products. I filed two fraud affidavits for the bank under penalty of perjury on XX/XX/2021. I also sent screenshots of each of the 193 fraudulent charges that were charged to my XXXX account. I was told that it would take the bank up to 90 days to complete an investigation, but there would be provisional funds in my account within 10 days. Yesterday, I realized that my bank balance was {$.00}, I had not paid my phone bill and was unsure how I would feed myself for the rest of the month or get medication ( I do have an SSDI status, of which I informed the bank and am on a strict fixed income. ) I sent an email to the bank, as it was after business hours, to which I received no response. Today, XX/XX/2021, I called the bank and asked for an update. I was told that my claims were ALL DENIED and a letter was sent dated XX/XX/2021. I never received such a letter. I'm also curious as to how all 193 claims were reviewed and discarded within 48 hours! I asked the customer service representative for a reason, and she stated none was given. Further, she could not find a copy of the letter that XXXX allegedly sent to me. I am beside myself. I have had identity theft issues for years now, many of which your agency has helped me with, and I am sick of going through this. If I did NOT have the phone in my possession, as I again attested under penalty of perjury, how could I have personally racked up these charges? I need a resolution asap so I can buy food and my medication within the next few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi Great Team, and Thanks for willing to help me with this matter. 

Due to a conversation that I had with a close friend who were complaining about how much incorrect things she found in her credit report, I decided it was time to go check mine too, especially since she mentioned that it is now free because of to the pandemic. I was so stunned and devastated when I saw on my credit report a lot of accounts that I totally don't recognize. So far, I have sent more than 3 letters to XXXX, XXXX and TRANSUNION asking to verify those accounts for me or even better, delete them as I did not recognize any of them. Same thing was asked concerning some inquiries that was made in my account without me allowing them. 
The first letter was sent on XX/XX/2021, so now it has been way more than 30 days, and they still have not sent me any response, let alone any document bearing my signature such as a contract with any of those financial entities, that I saw on my credit report. 
The worse is that the names used on some of those accounts are even not my correct name, and same thing for some of the addresses on file. After seeing that, I made sure I called XXXX, XXXX and TRANSUNION as well to ask them to correct my name and correct all the false information on my file. Some have been changed, but they still have not corrected all of the incorrect information. 
I will include to this complain the letters that I sent to them.

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 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hi Great Team, and Thanks for willing to help me with this matter. 

Due to a conversation that I had with a close friend who were complaining about how much incorrect things she found in her credit report, I decided it was time to go check mine too, especially since she mentioned that it is now free because of to the pandemic. I was so stunned and devastated when I saw on my credit report a lot of accounts that I totally don't recognize. So far, I have sent more than 3 letters to XXXX, EXPERIAN and XXXX asking to verify those accounts for me or even better, delete them as I did not recognize any of them. Same thing was asked concerning some inquiries that was made in my account without me allowing them. 
The first letter was sent on XX/XX/2021, so now it has been way more than 30 days, and they still have not sent me any response, let alone any document bearing my signature such as a contract with any of those financial entities, that I saw on my credit report. 
The worse is that the names used on some of those accounts are even not my correct name, and same thing for some of the addresses on file. After seeing that, I made sure I called XXXX, EXPERIAN and XXXX as well to ask them to correct my name and correct all the false information on my file. Some have been changed, but they still have not corrected all of the incorrect information. 
I will include to this complain the letters that I sent to them.

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 2021-05-12 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: TX

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 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 : 1. XXXX on XX/XX/XXXX 2. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX 4. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account resulted due to identity theft. 
XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Only Equifax has been reported this account on my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2021 I wrote into each company detailing each misleading inaccurate items that are being falsely reported. As of today over 60 days later I have not received a response that the investigation has even begun. I also mentioned I was a victim of the Equifax data breach and I am just now being made aware. Now more than ever I feel my information was compromised in the breach. I demand these erroneous items be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In an effort to improve my credit, I deposited {$150.00} with CapitalOne, for a " secured credit card '', XXXX XX/XX/XXXX. The original credit limit was {$300.00}. 

XXXX XX/XX/XXXX, CapitalOne automatically increased the credit limit to {$600.00}. XXXX XX/XX/XXXX, an additional non-secured account was opened, with a {$500.00} credit limit. 

I have an " exceptional payment history ''. 

My requests to remove the security requirement, and / or reduce the interest rate ( currently at 23.74 % ), have been denied ... because of " algorithms ''. 

CapitalOne 's policies are contrary to the stated purpose of " second chance credit '', and equate to " predatory lending ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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 — Card was charged for something you did not purchase with the card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
My credit card was stolen on the evening of XX/XX/21. When I realized that the card was gone on the morning of XX/XX/21, I immediately called the bank and discovered that several fraudulent charges were made at stores I have never been to. I disputed the claims with the bank but then received notification roughly one week later that my claim was denied and I would therefore be held responsible for these charges, which total {$1700.00}.

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 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As indicated by the attached copies of letters and mailing receipts, XXXX  have been delivered by certified mail numerous dispute letters as well as a follow-up letter, dated as far back as XX/XX/XXXX. As of this moment, XXXX have not done their duty mandated under the law. The inaction in this matter is inexcusable, and the disregard for the law is contemptible. 

As you are well aware, federal law requires a response within 30 days, theyhave failed to fully update my Credit Report accurately. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter. I further reminded XXXX that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for your willful non-compliance.

For the record, the following information is being erroneously included on my credit report, as I have advised XXXX  on ten separate occasions, more than 75 days and again 40 days ago : XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
inaccurate information on my credit report

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