vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: IL

Complaint narrative:
THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: TX

Complaint narrative:
did not authorize them and they are causing me great concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In the progress of closing on a mortgage with JPMorgan Chase ( the lender ), originally scheduled to close by XX/XX/2023 ( 30 days after acceptance ). Throughout the process, we ( myself and my agent ) have expressed that we, and the seller are under strict timelines due to the sellers performing a 1031 exchange. 

The week before closing, the lender reached out via a call stating that the mortgage was " approved '' but that they would call me back after checking some details. The following day, they called me back, and stated that I was short on reserves ( due to previously undisclosed reserve requirements involving current rent etc. ), once those details were sorted out, they further changed the guidance, and stated that they would not accept one of my gifts ( accounting for <10 % of the cash to close + reserves ). After providing additional documentation for that gift, they still refused to accept any funds from that person ( under advice from the loan officer to change the relationship from friend to family for my significant other ). 

At this point it was less then a week to close, and they still refused to provide any status updates to my agent, or the escrow ( who have both been emailing them asking for updates ). Then on the day of closing, they said they would not be able to close on time. 

The following week, they proposed switching the product ( to a different one with obviously worse rates ) in what appears to be an attempt to coerce the buyer ( myself ) into a worse position by preying on the time sensitivity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I applied for a Barclays XXXX XXXX XXXX credit card on XX/XX/XXXX. Barclays didnt approve my application due to me having a previous Barclays account which was discharged under XXXX XXXX Bankruptcy in the United States District Court District of Minnesota Bankruptcy Court on XX/XX/XXXX. I am trying to rebuild my credit and thats why I applied for the Barclays XXXX XXXX XXXX credit card. Barclays Bank is discriminating against me because I had the previous Barclays Bank account discharge in bankruptcy court. Barclays Bank has violated The Equal Credit Opportunities Act ( ECOA ) under federal law by discriminating against me and denying me 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 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: DISCOVER BANK
State: NY

Complaint narrative:
XX/XX/2022 I bought a printer from XXXX The printer was damaged and I returned it back. Discover card didn't return me money and reposted transaction on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: TX

Complaint narrative:
did not authorize them and they are causing me great concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
XXXX of 2019, I had purchased a car for XXXX. I put down XXXX dollars. The credit company was Credit Acceptance, my bill was a total of {$18000.00}. How is that possible when i put down {$8000.00} dollars? The loan interest rates where incredible. I feel something is wrong. The difference was only approximately, 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 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: NY

Complaint narrative:
Ok I'm not sure if it was key bank or XXXX XXXX XXXX  but back when Covid the pendemic I had fail for unemployment and I was homeless so I rented hotel rooms and they was asking for a high amount of deposit for the room in case I smoked cigarettes or XXXX  which I never did either one left the e room in the same way I got it and some deposit was XXXX some was XXXX but honestly I remember now it was KeyBank they honestly robbed me for 2000 of my cash cause all my deposits was supposed to clear but the date that they was cleared they never went back into my account I called KeyBank up and they told me that I had to open another bank account so I open XXXX XXXX XXXX because KeyBank told me that if I didn't that I'll lose my unemployment which they closed my account so any money that was supposed to clear and deposited they never came back into my account I called KeyBank and they kept telling me that the account was closed due to that my funds was supposedly sent back to nyc department of labor and honestly I'm very confused cause if I transferred my account to XXXX  XXXX bank and honestly the fund never came back into the account honestly that was right at Al and would like to know how I can recover my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: TX

Complaint narrative:
I did not authorize them and they are causing me great concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 seven 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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 non-monetary relief
Consumer complaint received 2023-05-16 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:
I am requesting that you investigate and take necessary action to remove them from 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
Consumer complaint received 2023-05-16 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: IL

Complaint narrative:
I am requesting that you investigate and take necessary action to remove them from 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 non-monetary relief
Consumer complaint received 2023-05-16 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Im a customer with Truist Bank off XXXX line in XXXX TX and I went to this location to deposit my accident settlement check into my account I have had for years. Along with my ex husband and son who both deposited checks from the same law firm. My son cashed his check the same day with no problem and my ex husband deposited his as well with no issues. I was then asked a lot of questions from XXXX XXXX took the checks and deposited them on XXXX. XXXX the bank blocked my debit card the whole weekend without being able to access any funds.XXXX I go into the branch they say my check is counterfeit and that it will be returned. However the check they are holding they deposited partially some of the funds and still my card is blocked. They have verified me by my ID SSN DOB ADDRESS but still treating me like I am a criminal and have disrespected me to the fullest. XXXX the rep from the call center refused to allow me to speak with another representative and said that she will hang up on me if I keep asking questions. The branch manager XXXX I spoke with her on XXXX at another location and she stated that she could not help me the fraud department was closed and that she could not give me the funds I had in my account before the check was deposited but however on XXXX she gave me a partial amount of the available funds {$110.00} and I asked for a receipt she said they do not provide receipts for withdrawals. So after she was able to scrape up my receipt I asked her why did she not assist me Saturday and her reply is XXXX XXXX let me know he dealt with you on XXXX so i can give you the funds you had available. My question was if Im a fraudulent person why are you able to give me money from the account you all have blocked and she did not answer. I talked to the fraud department and asked the same question to find out that the branch manager didnt have authorization to give me any funds. I spoke with a lady The issuing company was also on the line and sent me an email of my check clearing their bank. I was advised to file a complaint due to the unfair treatment of TRUIST BANK. I feel that not only was I discriminated against but as a customer they dropped the ball.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I reported 3 unauthorized transactions on XX/XX/2023 {$99.00} {$99.00} {$99.00} as the merchant XXXX sent me an email telling me that my account has been compromised and to disregard any emails telling me about the orders made as they cancel them and if I see any charges on my bank statement to dispute it with my bank, did report this with my bank on XX/XX/2023 and Ive given them more than 10 business days to resolve. My issue anymore. Time is needed them provisional credit should be given to me within 10 business days as it states that in the terms and conditions they agreed too. Then XX/XX/2023 they concluded an error did occur but are now giving me the runaround about my claim and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: FL

Complaint narrative:
Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: FL

Complaint narrative:
Please remove them promptly and ensure that they do not reappear.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am victim of identity theft with credit cards, medical debt, cell phone accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am victim of identity theft with credit cards, medical debt, cell phone accounts

Company response to consumer: Closed with explanation