vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-04 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: IL

Complaint narrative:
Dear TransUnion Bureau, There are some Fraudulent Hard Inquiries on my credit report, I already have notified the lenders that it wasnt me who applied and made sure no new fraudulent accounts were opened. I called you several times and informed you about fraudulent applications, but these inquiries are still being reported on my credit report. 

Im enclosing the Identity Theft Report to this letter. I didnt file these inquiries, please remove them from my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Sincerely, 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 2023-03-04 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: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
Someone else tried to open a Chase Credit card in my name. I first received an e-mail saying that I had been approved for a Chase card, then a second email saying that I had enrolled in paperless billing, and then a third e-mail saying my username and password had been changed. I did not open account, and Chase allowed someone to use my personal information fraudulently to open an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XXXX XX/XX/2022, I sent a letter to US Bank regarding check # XXXX for {$1300.00} written on XXXX XXXX XXXX at the XXXX, Ohio location. 

I asked the Teller to distribute the {$1300.00} in the following manner : 1. {$1000.00} for Mortgage 2. {$240.00} Escrow Shortage 3. {$50.00} Credit Card 4. {$20.00} Extra Principal What he did was applied the following : 1. {$1000.00} for Mortgage 2. {$50.00} Credit Card I went back to the Bank and was told that locally they couldn't do anything. 

I sent the letter inquiring about what could be done and followed with a phone call. As a result, I was bombarded with telephone calls and correspondence regarding Loss Mitigation from US Bank. I was even assigned a Counselor!!! 

Unfortunately, the matter in which I was seeking assistance with was never addressed by US Bank.

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 2023-03-04 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: CA

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. 

Account name : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-03-04 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 have filed a local police report and an identity theft report because my information was used without my consent. I need this to be addressed immediately In accordance with the Fair Credit Reporting act account : XXXX, XXXX. 
Account number XXXX XXXX XXXX and XXXX XXXX XXXXXXXX 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 2023-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
Regarding AfterPay services. I have used their service a few times to purchase items at XXXX. They pay upfront and set up a XXXX payment agreement you pay every XXXX weeks. Upon returning items to the merchant and reaching out to Afterpay because the refund was not processed and therefore not deducted from my account, I paid for items I no longer had. I reached out to both the merchant, and after pay to resolve the matter several times. I provided the proof they requested, and it wasnt until recently that they attempted to resolve the matter. However, I am currently in another situation, where they will not refund my money and continue to charge me for items I no longer have an have returned to the merchant. They do not provide help, are not reachable by phone, only email and each time, its a new person responding to the email. Its a scam. 

The attachments I have provided are for the current case. Ive had issues with them since early XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-04 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: CT

Complaint narrative:
I have sent out NUMEROUS letters to the Following Credit Bureaus. XXXX, Experian XXXX XXXX, ALL DATES OF MAILING ARE ON THE LETTERS. After waiting months upon months, I have not heard from nor gotten ANY RESPONSE, in ANY FORM. I have sent letters I have called and have waited MANY MONTHS. I need ALL INACCURATE information removed from my credit report. They have failed in every way possible of servicing me as a consumer and I am losing all faith in the credit reporting process. I will be reaching out to a consumer protection agency very soon and plan on taking these agencies to court if my investigations are not completed! I want all of my accounts that have FRAUD RELATED PAYMENT HISTORY, UPDATED AND REVERSE TO ON TIME OR PAID AS AGREED & I ALSO WANT THESE FRAUD COLLECTIONS ON MY CREDIT REPORT REMOVED IMMEDIATELY! I was never notified about these accounts nor have the accounts been updated to currently in dispute. I have someone else 's information reporting on my file and nothing has been done to ensure my report is 100 % accurate or factual which is against the law! This is unconstitutional and a Grave violation of my consumer rights! I am a natural person and know my rights my attached letters will prove these claims!

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 2023-03-04 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: NY

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 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion has failed to remove incorrect information from my credit report despite contacting TransUnion multiple times, and despite other major credit reporting agencies removing the same information and has taken months to still NOT address my dispute. 

Both of these accounts are being listed as an auto loan on my consumer credit report. This alleged agreement by the governed law UCC is indeed a credit sale. 

TransUnion has not been furnished with any documents suggesting or validating that this an auto loan. As the alleged debtor, no money or goods have been loaned to me. Per section 15 USC 1681e, I am entitled to an accurate, complete and verifiable credit report and requires that consumer reporting agencies to adopt " reasonable procedure to assure maximum possible accuracy and integrity of the information '' contained in consumer reports. TransUnion intentionally and irresponsibility reporting false information. You, ( TransUnion ) as a consumer reporting agency, are aware of the tax laws and obligations. You assumed a vital and responsibility role to assure the maximum accuracy of information in consumer reports you furnish. The fundamental properties of this retail installment contact are not applicable and does not constitute as being an auto loan. XXXX XXXXXXXX XXXX XXXX does not have an enforceable contract as an auto loan for me, XXXX XXXX, for these accounts, so you can not furnish this account as an auto loan. 

This is indeed an actual factual inaccuracy that could have been covered by a reasonable investigation. 

You need to REMOVE and BLOCK the following accounts from my consumer credit report immediately. 

University XXXX XXXX XXXX XXXX Account XXXX XXXX University XXXX XXXX XXXX / Account # 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 2023-03-04 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, the below list of accounts has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXG account # XXXX *XXXX XXXX XXXXE account # XXXX XXXX XXXX XXXX account # XXXX *ALL PRIOR ADDRESSES LISTED ON FILE THEY ARE SHOWING *ALL PRIOR PHONE NUMBERS LISTED ON FILE THEY ARE SHOWING XXXX TRANSUNION, AND XXXX have violated my rights as a consumer and disregard to the laws set forth in FCRA.

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 an 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 more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states ; a person shall not furnish any information relating to any 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 non-monetary relief
Consumer complaint received 2023-03-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below list of accounts has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX account # XXXX *XXXX XXXX XXXX account # XXXX *XXXX XXXX XXXX  account # XXXX *XXXX XXXX XXXX  account # XXXX *ALL PRIOR ADDRESSES LISTED ON FILE THEY ARE SHOWING *ALL PRIOR PHONE NUMBERS LISTED ON FILE THEY ARE SHOWING XXXX XXXX, AND EXPERIAN have violate

d my rights as a consumer and disregard to the laws set forth in FCRA. 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 an 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 more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states ; a person shall not furnish any information relating to any 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 2023-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
Respected sir or madam, my name is XXXX XXXX, living in XXXX XXXX XXXX  XXXX XXXX wa XXXX, we installed a air condition from XXXX XXXX  {$11000.00} and they are the one who help to get financed from service financial, they told us when we get paper work we have to pay {$11000.00} in 2 years with no interest, we sign document online the XXXX told us we don't have to pay interest in 2 years after the remaining balance left you start charging interest we agree, there are XXXX of documents we sign it, once I start payment everything was fine but when I realized they charge me 18 percent, I was surprised, I already pay more lot of money, i told them i am ready to pay off balance they increased with 18 percent interest which i refused to pay them, i call them i told them please reduced interest which they don't agree, its a hard time for me after covid please help me,

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 2023-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
On XX/XX/, I made a payment in the amount of {$1200.00} and this payment got held. I totally understand the reason that this payment was held due to me making an unusually high payment. I would make a comment that prior to this payments like {$25.00}, {$75.00}, {$100.00}, {$120.00} were not placed on hold. Now no matter what, this bank is holding payments, which makes no sense to me. I have spoken to representatives that state the reason that payments are being held is that of payment cancellations, but that is false, because I never started truly cancelling payments like I have recently when I noticed that everything was going to be held for not even 7 days but 10+ days now. I understand this if I bounced a payment, but seems like these XXXXXXXX XXXXXXXX  can't trust they will get money themselves while they line their own XXXX  pockets. I feel like this is an advantage to continue collecting additional interest on my account. My account needs to be returned to credit payments same day, as this is I think extremely unfair that now these people arbitrarily do whatever whenever however they feel and DO NOT inform the borrower. I think that credit card companies if they are holding payments need to explain to the consumer how come and when it will be released. They do not do this. It is biased and somewhat racist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Southwest credit keeps calling my phone. I spoken to 7 different agents over the last year and have asked them to not contact me anymore after one young lady cussed me out and another man told me that I was being sued. Ive blocked their numbers and theyll call from a different one. 2 months ago I was at work and they called my Phone 4 times after I was silencing because I was on the phone. Its a constant constant bother. Theyll call, I answer, theyll just sit on the phone and not say anything. Theyll say a SSN after I refuse. Give addresses that I dont live at. The last number they contacted me on was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: IL

Complaint narrative:
Dear TransUnion Bureau, There are some Fraudulent Hard Inquiries on my credit report, I already have notified the lenders that it wasnt me who applied and made sure no new fraudulent accounts were opened. I called you several times and informed you about fraudulent applications, but these inquiries are still being reported on my credit report. 

Im enclosing the Identity Theft Report to this letter. I didnt file these inquiries, please remove them from my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-04 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: PA

Complaint narrative:
My TransUnion report shows " XXXX '' closed. I do not know what XXXX is, and when I search online, it says it is a hard credit inquiry. I have no recent credit applications, so this does not seem logical.

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