vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/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 XXXX XXXXXX/XX/XXXX, these are the unauthorized and unverified inquiries made on my credit profile under experian these are a defamation to my character i am trying to buy a house. Accrording to the fcra these unverified and unauthorized items must be removed as soon as possible. transunion unauthorized and unverified inquiries are twr ln-sys XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, these are a defamation to my character as well and must be removed as they are unauthorized and unverified per the ncra. Law 15 usc 1681 ; The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
XXXX XXXX XXXX, 1st franklin financial XX/XX/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 first franklin financial XX/XX/XXXX, these are the unauthorized and unverified inquiries made on my credit profile under experian these are a defamation to my character i am trying to buy a house. Accrording to the fcra these unverified and unauthorized items must be removed as soon as possible. transunion unauthorized and unverified inquiries are twr ln-sys XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, these are a defamation to my character as well and must be removed as they are unauthorized and unverified per the ncra. Law 15 usc 1681 ; The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: Chime Financial Inc
State: AR

Complaint narrative:
On Tuesday XXXX XXXX I contacted my bank about fraudulent transactions on my bank account there were several fraudulent transactions wotch are XXXX on XX/XX/XXXX {$90.00}, XX/XX/XXXX XXXX XXXX  {$80.00}, XX/XX/XXXX XXXX XXXX {$15.00}, XXXX  XXXX XXXX {$11.00}, XXXX XXXX XXXX XXXX {$30.00}, XXXX XXXX XXXX  XXXX {$10.00}, XXXX XXXX XXXX {$60.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$51.00}, XXXX XXXX XXXX {$58.00}, XXXX XXXX XXXX XXXX {$120.00}, XXXX XXXX XXXX {$45.00}, XXXX {$11.00}, XXXX XXXX XXXX XXXX  {$250.00}, XXXX XXXX XXXX XXXX {$250.00} I disputed all these due to me not making them and my card and pen were stolen and I got a email the same day on XXXX XXXX Tuesday saying my disputes were denied and I will not be refunded and I really need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage Servicing has placed lenders placed insurance on my account, I have sent them a copy of my insurance 6 times now as well as called and walked them through this multiple times. They keep issuing partial refunds and raising my payment for lenders placed insurance. I have contacted them numerous times. They have been holding in excess of XXXX dollars of my money now for 90 plus days without returning it

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted are listed in the report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete items as soon as possible Fraudulent Inquiries : Inquiry Name : XXXX XXXX Open Date : XX/XX/2023

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 2023-08-16 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: NV

Complaint narrative:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: FirstCash, Inc.
State: CO

Complaint narrative:
PLEASE NOTE : This is a second complaint that your categories for reporting do not address but ultimate matter pertains to retaliation for submitting a previous CFPB complaint and being denied a pawn loan and sell. This matter was video recorded and the evidence can be submitted per request. 

On XX/XX/XXXX, XXXX I went to a different First Cash location in order to avoid interacting with the staff at the XXXX XXXX XXXX who have an active complaint both with CFPB and with First Cash, the company. I perceived that perhaps, I would be interacted with differently at this location. The exact opposite occurred. 

I requested two things : 1. to receive a print out of my account history which they provided and 2. asked them if they would be interested to either purchase or provide a loan for a bike. This bike is one I had purchased from them over a year ago, sold back to them, and purchased it again. The original location of this bike was the pawn store so this is not an item that should be under any question of my ownership. 

Unfortunately, XXXX, the same individual who was at the other store location, was working at this store. He walked outside with me to look at the bike, recognized it from being in their inventory, and said " I recognize this. I know its from our store. Odd comment to make. He said that " because you are investigating us and made complaints about us, I can't give you a loan or buy this bike '' I replied " really? '' XXXX said he would need to contact his district manager and ask her how she wanted him to proceed but because I complained, they are not able to give me a loan or buy the bike. 

XXXX 's statement " because you complained '' as the reason for denying a loan to me falls under clear retaliation. He did not cite any other reason for denying the loan or the sale of the bike back to them. He reiterated this once we were back in the store in front of other customers denying me of my privacy and causing further embarrassment of this completely inappropriate conversation and comments. 

This is the second situation that now indicates a clear pattern of discrimination in lending. 
The interaction was video recorded. The file is over XXXX but can be provided by XXXX XXXX or on a CD upon request. It's too large to submit with this online complaint form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: GA

Complaint narrative:
I have submitted my first round of dispute letters on XX/XX/2023 and I have not received any formal response from from any of the 3 bureaus. When I pulled up my recent credit report, the items disputed were still there. My personal information is incorrect, and accounts on my credit report are still showing inacurate reporting. Please help me get these accounts deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: GA

Complaint narrative:
I have submitted my first round of dispute letters on XX/XX/2023 and I have not received any formal response from from any of the 3 bureaus. When I pulled up my recent credit report, the items disputed were still there. My personal information is incorrect, and accounts on my credit report are still showing inacurate reporting. Please help me get these accounts deleted.

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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
Deceptive promise, lie, false advertising : On XX/XX/2023 I responded to an invitation from US Bank to open a new credit card because it promised a " ZERO- interest balance transfer " feature. I applied for the card with a {$5000.00} balance transfer to be applied to my XXXX XXXX XXXX because it had a high balance ( due to replacing my sewer cleanout pipe to the street recently ) and the card was granted on XX/XX/XXXX, and the {$5000.00} balance transfer was sent over to XXXX XXXX However, a few of {$150.00} was charged to my US Bank card, by USBank. Even though they advertised it a " ZERO interest '', {$150.00} is exactly three percent interest on {$5000.00}. I called US Bank but they refused to reverse this fee, claiming i " should have known '' and " its there in the fine print. ''

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 2023-08-15 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 — Investigation took more than 30 days
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
my account was never late freedom mortgage all reporting this as time when my load had started and never sent me a statement

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 2023-08-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-15 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:
I pulled my credit report just to see that there was a fair amount of inquiries to my credit report. In the Attachment, it will be a list of accounts along with the date of inquiry. These inquiry accounts are fraudulent and not mine. I did not authorize or initiate any of the inquiries. I also wanted to add XXXX XXXX XXXXXX/XX/2023 which is an auto finance inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: FL

Complaint narrative:
I pulled my credit report just to see that there was a fair amount of inquiries to my credit report. In the Attachment, it will be a list of accounts along with the date of inquiry. These inquiry accounts are fraudulent and not mine. I did not authorize or initiate any of the inquiries. I also wanted to add XXXX XXXX  XX/XX/2023 which is an auto finance inquiry.

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 2023-08-15 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 is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and XXXX are reporting an inaccurate XXXX account on my Equifax credit report and XXXX XXXX XXXX on my XXXX credit report, both of these accounts are the same account with different names and they were both closed on the same date XX/XX/XXXX and both sold to XXXX XXXX XXXX Both of the accounts were said to be opened on XX/XX/XXXX and both accounts were last reported on XX/XX/XXXX. The account was successfully disputed with XXXX XXXX and removed but is still reporting inaccuratly on my Equifax credit report as XXXX XXXX Closed with {$0.00} Balance ) and inaccurately on my XXXX credit report as XXXX XXXX XXXX XXXX Closed with {$0.00} Balance ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: SC

Complaint narrative:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2023-08-15 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: PA

Complaint narrative:
According to Federal law, Child Support is no longer allowed to report on a consumer credit report because it did not arise from a consumer credit transaction. My previous attempts to contact the credit reporting agencies, XXXX and Experian, have gone unanswered. These reporting violations are causing my family and I financial difficulties.

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 2023-08-15 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: NV

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Bankruptcy XXXX XXXX was dis charged XX/XX/2014. Docket identifier # 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 2023-08-15 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: NV

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Bankruptcy XXXX XXXX was dis charged XX/XX/2014. Docket identifier # 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 2023-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: GA

Complaint narrative:
i HAVE A COMPLAINT AGAINST XXXX XXXX, IC SYSTEMS, CCS COLLECTIONS AND XXXX XXXX XXXX, COLLECTION ACCOUNTS. MUST BE REMOVED. .ACCORDING TO THE 15 USC 1681A2 STATES THAT I DID NOT GIVE WRITTEN PERMISSION TO HAVE THESE ACCOUNTS FURNISHED ON MY CREDIT REPORT AND THEY MUST 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