vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 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: AL

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and TransUnion credit reports. My latest credit reports show six ( 6 ) hard credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
Item No. Creditor Account 1 XXXX XXXX inquired on XX/XX/XXXX Transunion & XXXX 2 XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX 3 XXXX XXXX XXXX services inquired on XX/XX/XXXX XXXX 4 XXXX XXXX XXXX inquired on XX/XX/XXXX Transunion XXXX XXXX 5 XXXX XXXX XXXX inquired on XXXX Transunion 6 XXXX inquired on XXXX Transunion

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 2023-04-13 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:
To whom it may concern I have been a victim of identity theft and my information have been exposed on the XXXX data breach there have been a numerous amount of accounts that i have discovered on my credit reports that need to be deleted and investigated. please send me a updated copy of my information and credit report once information is 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 non-monetary relief
Consumer complaint received 2023-04-13 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:
To whom it may concern I have been a victim of identity theft and my information have been exposed on the XXXX data breach there have been a numerous amount of accounts that i have discovered on my credit reports that need to be deleted and investigated. please send me a updated copy of my information and credit report once information is 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 non-monetary relief
Consumer complaint received 2023-04-13 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 according 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, 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 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 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 2023-04-13 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: CA

Complaint narrative:
In according 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, 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 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 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 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
As of XX/XX/2022, I checked my credit profile and noticed a credit card account for Barclay. I immediately contacted XXXX XXXX and XXXX and the credit card company to notify them that this account was a fraudulent account that did not belong to me because I have never had any past business dealings or account with this company before. At this time the credit card company and XXXX XXXX, and XXXX are refusing to remove this fraudulent account from my credit file. They have also refused to provide me with any type of documentation proving that this account belongs to me. This situation has caused me a lot of stress because I should not be penalized or punished due to the fact that I am a victim of identity theft.

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 2023-04-13 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 XXXX XXXX # XXXX XXXX XXXX and has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX and has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXXXXXX and 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 an 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 2023-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-13 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: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
Suspicious new credit card account opened in my name. I did not open this account or made any purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I just found out last week, the week of XX/XX/XXXX, that my car is out for repossession - apparently since XXXX of XXXX. The way that I found this out is that I got a credit alert that an account has been closed, and unbeknownst to me, it was my car loan through USAA for my XXXX XXXX XXXX. I am still in possession of the vehicle. 

I was under the impression that my loan was on autopay and would be drafted from my account. The really frustrating part of this scenario is that I have the means to pay all of my past due balances in addition to a good-faith payment to bring my account current. All that I want to do is to continue to make regular payments on this vehicle, set up to draft automatically, and to stop repossession attempts. 

I called USAA multiple times this week and spoke with different representatives and escalation specialists for hours, but they said the only remedy would be to pay the remaining balance in full. This amount is nearly {$50000.00} and I can not make that type of payment all at once. I even offered to make a good-faith payment in addition to all past-due payments to show my willingness to pay and continue to pay - but every representative, including managers, said that once it is marked as a charge-off, they have no other options. 

I was reading the promissory note and saw that there are many different remedies that can be taken - as well as both parties coming to a mutual agreement. 

To summarize : All that I want to do is to continue to make regular payments on this vehicle, set up to draft automatically, and to stop repossession attempts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: Grain Technology, Inc.
State: NC

Complaint narrative:
I signed up for a grain account. The app crashed and wouldnt allow my payment to process. Tech support abandoned the support and stopped aiding me in fixing the app. The account was charged off XX/XX/XXXX. 

However, grain has reported this charge off inaccurately on my credit report deliberately harming my credit score. XXXX and XXXX has conspired to allow this error to harm my credit score. 

The account was suppose to be charged off XX/XX/XXXX. However, they have consistently updated my credit report as an open account. Then charged it off XX/XX/XXXX. This was a clear violation. 

Grain technology violated the following laws. 

FCRA 602 ( a ) ( 1 ) ; Internal Revenue Code 166 FCRA 605 ( a ) ( 4 ) & 605 ( C ) These laws in combine states that a company can not furnish inaccurate information. They must ensure that they are in financial compliance and furthermore, charge an account ( revolving ) in 180 days and must not use any deception to harm a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: NV

Complaint narrative:
Today, XXXX XXXX XXXX, I attempted to open a XXXX XXXX XXXX Account at XXXX XXXX ( a division of Texas Capital Bank ). I provided all required information including my full name, address, social security number, phone number, email address, employment information, and annual income information. I completed signing off on all terms and conditions and was told to have my ID ready for verification along with a mobile device, which I did. When I finished entering this information I was told that they could not open an account for me based upon the information provided. I called customer service and spoke to two different representatives, neither of whom could answer my questions as to why my application had been denied. They were only able to point to page 10 of their account agreement terms and disclosures under " Obtaining Consumer Information '' as to why it was rejected. I provided all of that information and as I told the representatives I have opened bank accounts in the past year with zero problems. They apologized and said they couldn't give me any more information as they use a third party verifier to validate application information and they had no other insights. I informed them that ultimately, XXXX XXXX is responsible for the performance of third parties providing services on their behalf and that this is an unacceptable situation. I was told that my complaint would be forwarded and my application forwarded for further review but that they could not do anything further at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: NC

Complaint narrative:
It has come to my attention that XXXX XXXX is reporting information on my consumer report ( Equifax ) with out my consent. Pursuant to 15 U.S.C 6802 states that a financial institution may not directly or though any affiliate disclose to a nonaffiliate third party any personal information. XXXX XXXX is in violation of this code. I demand this item be deleted immediately or I will file a lawsuit for deformation of character and willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: EQUIFAX, INC.
State: KY

Complaint narrative:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: KEYCORP
State: OH

Complaint narrative:
On XX/XX/XXXX, I noticed that a fraudulent check had cleared against my KeyBank checking account 2 days earlier. 

I called my bank immediately and they told me it was obvious that it was a fraudulent check as the person had whited out some areas to write over fraudulent information. 

When I asked if I would get refunded, the bank indicated that they would investigate and let me know. Although this was obviously fraudulent, I was not told I would obtain a refund. The bank told me they would have to freeze my account and open another account for me. I was also instructed to file a police report. The police mentioned this type of fraud had been happening frequently recently and may originate from someone stealing and copying mailed checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
In XXXX of XXXX, I received an impound surplus check in the amount of {$3700.00} from United Wholesale Mortgage company. This being my first year in this house, I thought that was a little excessive, but it came at the right time to pay the supplementary tax bill from this house. 

When I received my mortgage statement for the month of XX/XX/XXXX, there was a letter along with my statement stating, there is a shortage in my impound account in the amount of {$3700.00}. To make up for that shortfall, they are adding {$600.00} per month to my monthly payment. In this economy, {$600.00} per month added to a $ 5000 monthly payment is too much to ask of anyone. Someone made a huge error in sending a surplus check when there is no surplus. And if you are short {$3700.00}, why am I being charged {$7200.00} by the end of this year, to make up a {$3700.00} deficit? 

I called customer service to complain about this apparent solution to recover from a deficit. I was told to write a letter to a Resource Department expressing my concerns. I mailed the letter with in the first week of XXXX. I finally got a response by the end of XXXX. The response was my mortgage was sold to an investor, and they will not relinquish control of my impound account because of the original loan documents specify an impound account. 

I've talked to several people in the mortgage industry, and the consensus was, that requests like this happen all the time and most mortgage companies do not have a problem relinquishing impound accounts. 

I am requesting to take control of my own impound account, as well as the remaining balance, because I no longer trust the people in this position. An extra {$600.00} per month can cause me to lose this house. If this happens every year where I get a surplus from my impound account and then three months later, I'm told there is a deficit, and they want to add another rediculous amount to my monthly payment, I will for sure lose this house. 

Please help me gain control of my own impound account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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:
AN ACCORDANCE OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE.

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