vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 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:
XXXX HAS PULLED MY CREDIT XX/XX/2022 I DID NOT GIVE XXXX THE PERMISSION TO PULL MY CREDIT. THIS INQUIRY IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I HAVE TRIED REACHING OUT TO CREDITOR AND TRANUNION WITH NO RESOLUTION OR PROOF/VALIDATION OF AUTHORIZATION.

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 2022-07-26 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:
XXXX XXXX XXXX HAS PULLED MY CREDIT 2 TIMES XX/XX/2022 XX/XX/2022 I DID NOT GIVE XXXX XXXX XXXX THE PERMISSION TO PULL MY CREDIT. THIS INQUIRY IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I HAVE TRIED REACHING OUT TO CREDITOR AND TRANUNION WITH NO RESOLUTION OR PROOF/VALIDATION OF AUTHORIZATION.

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 2022-07-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
On XX/XX/2021. 
I requested information about a loan on a website. Rapidly the representative from Loan Depot XXXX XXXX, called me to offer their services. With the initial response that Loan Depot was one of the major lenders in the US. 

I told him I was looking for a XXXX loan to cover expenses related to attorney fee 's due to a lawsuit to recover Child Support money owed to me from my daughter 's father who is passed due about $ XXXX. 

I told the agent that I had just re-finance my home two years ago and I knew my credit was not the best and I was working on getting this repaired. 
He mentioned that my debt to Income was too high, which I understood because I'm self-employed and when doing my taxes I expense all of my business related expenses that minimize my income. 
He tried to continue to reach to me but since I had to attend other things in my life. I was not able to finish talking to the agent. I received several text messages from the loan officer. I responded that I was still interested in following up our conversation but I had not time at the moment. 

Today XX/XX/XXXX, exactly a month after I called the representative. I received a Loan Estimate with a Re-Finance at a higher rate of 5.3750 % for 360 months, with an adjustable rate of Initial Period to first Adjustment 84 months, and subsequent adjustment period of 6 months. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX I tried to called the agent which did not responded. So I submitted and email to him explaining him that I had not accepted for them to first run my credit, furthermore to continue with an application for an ARM Mortagage that has a higher APR that I at the moment paying. Furthermore, the total amount for closing includes points which I never requested, in addition to the loan estimate is incorrect in both the liability and the assets section which is also a disregard for the customer 's request. 

The main reason why I'm writing to you is also because they send me the documents to sign via e-sign, however the button " I Do not consent '' can not be pressed even unchecking all the boxes. The only option is to accept the agreement. In this day where the online presence makes it easier for consumers to do things, in this case they take advantage and only allow the conveniently for them to say yes. This type of practices jeopardizes our less savvy computer citizens. Luckily, I have a little more knowledge and took a screenshot of such practices. Please look into this matter, it is not ok that just because they are trying to close a loan that they don't consider the best interest of the customer as per Tittle X this practices are deceptive, unfair, and reckless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022 a Transaction was made to an elaborate scammer for {$850.00}. 
This person used multiple websites, phone numbers, package tracking input and email addresses and copied a logo of a national known accredited business website to look as authentic as possible. The real business is well known and has had articles posted about them being the best in the nation. 
I reported the incident with the bank Chase, XXXX, and three government fraud/scam sites. The two money companies kept pointing the fingers at eachother and I'm still out of {$850.00} even with government /police reports being filled. 
I even reversed the email and website Id 's for them but I still have had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
received an email about me opening an account at Truist Bank, I tried calling to report the fraud, I have sent emails and no one has responded. 
Now I got a letter saying I requested overdraft protection. I did not open this account.

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 2022-07-26 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:
XXXX XXXX XXXX - Account # XXXX Balance : {$4300.00} In accordance with the Fair Credit Reporting act the account number # 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 2022-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Purchased a XXXX  from a XXXX advertisement for {$91.00}, never received it and website does not exist anymore. I have cameras and no one showed up to deliver. Called to dispute because I never received said XXXX XXXX. Capital One claims they sent a letter for me to respond to but I never received it and now they closed my case. 
Because the file is too big, here 's two links to view the videos showing that no postal service stopped at my house at XXXX pm. Although there is a small gap in time between videos, at XXXX in the second video, no postal vehicle arrives or leaves the cul-de-sac XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-26 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: AZ

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
EMPLOYER : XXXX XXXX  XXXX  Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022, I XXXX XXXX used Chase ATM to get XXXX $ at the Chase branch the Chase ATM gave me a receipt that I still have and shows the ATM did not give me my money. Then walked into the chase ATM branch and talked to the branch manger and she filed a complaint that the ATM did not give me my money and she told me the XXXX $ would be in my account in 12hrs I waited 12hrs and no money so the next day I went to the bank to ask wats happening with the XXXX $ and she said i had to wait till XX/XX/XXXX then I waited Chase Credited me XXXX $ on XX/XX/XXXX and was still investigating the claim. Then on Friday XX/XX/XXXX Chase revered the claim on a friday after hours when the bank was closed and said nothing is wrong with our ATM and contiuned to tell me that I did recive the money and I arruged back said I have the recipt in my hand and proceeded to tell me that there is nothing that they can do for me its the customers fault not the banks. So on Monday XX/XX/XXXX I went back to the bank and showed them the receipt and another claim again said they would look into it and they would be recrediting my account for the XXXX $ on XX/XX/XXXX so then still waited and nothing so I went to the bank today XX/XX/XXXX and asked them whats going on with my money and again said their was nothing wrong with the Chase ATM the bank manger took the recipt and put it in my file at the bank and told me too keep calling Chase and keep asking aftyer 2 months I am sick of asking them for my money this is the first time this has ever hapened I am looking for the next step in the process Chase is making me feel like criminal or like i did something wrong and I am over drawn in my personal account please HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
I have applied for a position at XXXX XXXX and they needed to do a back ground check. When I received the information from the report there is an address on there that I didn't live or reside at. I need it taken off my report and also don't know if this is what is holding the XXXX XXXX HR dept up from being able to see my report. The lady in XXXX said she hasn't received the information back yet but First Advantage through XXXX XXXX send me a copy of the report via email. 

The address I am disputing is XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX I have never lived or worked at this address. 

Please take this off my report. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: AZ

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: NY

Complaint narrative:
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act is company 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 2022-07-26 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: NY

Complaint narrative:
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act is company 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 2022-07-26 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXt Account # XXXX, XXXX, XXXX, XXXX 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 2022-07-26 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I stayed at Marriott XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. During my stay I had no hot water, no toiletries, and had another serious incident XXXX will detail. I paid for the trip using my CHASE Marriott partner card. I've complained to Marriott, created a case, and I tried to dispute the charges for the stay with CHASE. 

My mother was diagnosed with Stage XXXX XXXX XXXX Monday XX/XX/XXXX. XXXX days later I had to run up to my room to grab some paperwork in my bag, so I left my mom in the backseat of my rental car in front of the hotel lobby, on XX/XX/XXXX. I ran upstairs and back down, and the rental car was missing! I looked and valet said they moved it, with my mother in the back seat. Nobody asked me or my mom to move the car. The car was off. XXXX had an excessive heat warning, with temps over XXXX and humidity over 80 %- they left my XXXX, XXXX mother in the backseat, moved the car without asking her for permission or about my whereabouts. They drove the car, pulled forward, and locked it, windows up, car off, XXXX off, with my XXXX, XXXX mom in the backseat. Marriott doesn't believe they've done anything wrong, as confirmed by a supervisor on the phone and

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have tried five times to close my Capital One credit card with five different people within the company. I get different excuses each time why they can't close my account many times of which they say they are having system issues, system upgrades, etc or ask me to hold and they never come back. My account has a XXXX balance. The last two times they asked me to hold and after ten minutes the call disconnects. It is obvious they have no intention of letting me close my account and I need governmental assistance to get this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: AZ

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, i have still the account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-07-26 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: NY

Complaint narrative:
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act is company 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 explanation
Consumer complaint received 2022-07-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-07-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : 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 2022-07-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX System Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX and 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, i have still the account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation