vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST COMMUNITY MORTGAGE, INC.
State: TN

Complaint narrative:
The mortgage company I am filing this complaint is First Community Mortgage Company. The Loan # is XXXX. The mailing address is XXXX XXXX XXXX XXXX XXXX, TN XXXX. The phone number ( XXXX ) XXXX The email address is XXXX On XX/XX/2022, I accidentally made two mortgage payments. When I really the mistake I called the mortgage company and requested a refund. The person that I spoke with confirm the two payments were posted. The person with the mortgage company went on to say that I needed to go to my online bank account and download a pdf file showing that the funds came from this account. I stated to the mortgage person that what she was requesting didn't make since because she stated the funds was posted. She went on to say that this was the only way a refund would be allow. I went on my online bank account and couldn't find what she had requested in the download pdf file with my XXXX  XXXX XXXX account. The next day XX/XX/XXXX I call XXXX XXXX XXXX to assist me in this matter. The XXXX  XXXX XXXX person was unable to find what was requested of the mortgage company. During my conversation with the bank employee that we decided to call the mortgage company for farther assistance. The mortgage company employee told my bank person the same request. The bank employee informed the mortgage person that a pdf file couldn't be done and that would a fax copy be acceptable and she said yes. The bank employee sent the fax while we were still talking to the mortgage company employee. Yesterday XX/XX/XXXX, I received a call from the mortgage company saying that a refund would not be paid until they received the pdf file from my online bank accounts. I informed her that I had gone through this 2 weeks ago and that my bank to talk to their mortgage company. She said without the pdf file email to them no refund of funds will be paid. I have been paying this mortgage the same way online for years. XXXX  XXXX XXXX is the only bank that I have in which to pay my mortgage. This is crazy, the mortgage have the proof that I made the two payments but refuse to refund me the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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:
In accordance with the Fair Credit Reporting act 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 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 2022-06-22 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: LA

Complaint narrative:
I have multiple inquiries that I did NOT authorize, there are several car and finance companies I did NOT authorize. I authorize one company and these unauthorized companies started weighing in on my credit report UNAUTHORIZED!!! 

I even contacted the Bureaus for removal, was in contact w someone through email and messaging she never responded back from Experian its ridiculous. Tried through internet for XXXX and 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 2022-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Someone tried to get a loan using my name at USAA. Fraud. It was not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: OH

Complaint narrative:
On XX/XX/XXXX I made a purchase using my Chase Sapphire card to XXXX for XXXX. 
On XX/XX/XXXX I closed the Chase Sapphire card with an account balance of {$0.00}. 
According to Chase, the closed account was " purged '' on XX/XX/XXXX. 
On XX/XX/XXXX, XXXX canceled my trip and refunded the amount ( {$6200.00} ) to the purged account. 
On XX/XX/XXXX, I spoke with Chase and was told card services was placing a claim to someone about the refund to the purged account. 
On XX/XX/XXXX, I received a letter from Chase that the account did not exist and that the had closed the inquiry. 
Also on XX/XX/XXXX, I spoke with XXXX and Chase. XXXX assured me that the refund had been process to the closed account. Chase again placed a claim to someone about the purged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: MS

Complaint narrative:
I was approved for XXXX  XXXX XXXX grant to assist in mortgage that was in forbearance for a year or more. The timely Grant process was eventually approved and I was greatful for it, however I advised my Mortgage lender that I was approved for the grant prior to extending my mortgage to XXXX years in their loan modification. When the XXXX XXXX grant provider contacted my mortgage lender the lender advised of a modification so the grant was then declined. I am thankful for all the assistance from both ends however I believe my lender acted as me to deny the grant. The modification did allow me to handle my new mortgage payments somewhat without struggling as much by extending my XXXX year left of original XXXX year mortgage to XXXX years. I wanted to make this aware what could potentialy affect someone elses mortgage grant approved only to be denied by Mortgage leinholder. I never advised the XXXX XXXX XXXX  that I was no longer needing the assistance and was advised that my mortgage lending company denied the funds for approved assistance. I recieved a email today from the XXXX XXXX XXXX entity stating that application was withdrawn for reason of " Homeowner Cancelled '' and this is not correct. Rocket Mortgage pressed hard for loan modification upon being advised of GranXXXX awarded. I am not totally convinced that the Grant provider has a hand as well since they said I withdrew grant application. I missed a year of payments during COVID forbearance. The XXXX XXXX XXXX entity and mortgage company both can not be listed as entity 's complaining about. There is definite conflict from what I was advised by XXXX XXXX XXXX XXXX XXXX and my mortgage lender denying the grant. I attched docs confirming.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
: ADVERSE ACTION DATED XX/XX/2021 Recently, I XXXX XXXX XXXX was denied an extension of credit by XXXX XXXX XXXX American Express Card. On around XX/XX/2021, I applied for Small Business Credit Card. XXXX As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S. Code 1691 ( C ) and you assume civil liability pursuant 15 U.S. Code 1692 ( K ). XXXX XXXX XXXXXXXX has violated my federally protected consumer rights : 15 U.S. Code 1642 15 U. S. Code 1681M 12 CFR 1002 Since the letter you sent me dated XX/XX/2021 is both a proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
In XXXX, I was a victim of fraud. A check was deposited into my USAA bank checking account that was under the name of " XXXX XXXX '' that I did not authorize. I worked extensively with USAA bank to resolve this issue and stressed that I was a victim of fraud. I was informed via postal mail that USAA due to difficulty in their banking relationship with me will no longer be able to provide services to me. I spoke to a representative today XX/XX/XXXX in the banking department by the name of XXXX who stated that the letter sent to me via postal mail on XX/XX/XXXX is not something that can be reversed once the bank sends out the letter. As a victim of fraud, I am being penalized by USAA for not being able to open an account or even have auto insurance even though I am a " member '' but not member enough to be able to have services. I am ostracized by an organization that is meant to help veteran families and for an episode that was not my fault. I have never had any issues with USAA regarding auto insurance or banking issues. I was banking with them previously from XXXX until XXXX and they left me as a XXXX  mother without insurance due to me being a victim of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
An unsolicited " XXXX XXXX '' Bank of America XXXX credit card was sent to me in violation of the law. 

Bank of America has cancelled the account and I have placed a freeze on my credit at all three reporting agencies. 

I am seeking a confirmation in writing from Bank of America that it did not - and will not - report the account to any credit reporting agency. I have spoken to 5 different customer service agents at Bank of America and was unsuccessful in getting agreement that they will send me that confirmation in writing.

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 2022-06-22 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: TX

Complaint narrative:
Hello, I have been in dispute with Transunion, XXXX and XXXX about these incorrect accounts that have been allowed to report on my credit report without my knowledge and permission. While waiting on these accounts to be removed from my report, I decided to do my own research and I found that the according to the Fair Credit Reporting act these accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

It came to my attention that customer reporting agencies can not report without my written consent or without verifying the information is correct.

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 2022-06-22 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:
Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see below inquiries : INQUIRY XXXX XXXX XX/XX/XXXX INQUIRY XXXX XXXX XXXX  XXXX XXXX, XXXX INQUIRY XXXX XXXX, XXXX I am hereby notifying you that neither on that those or dates similar did I authorize any individual from listed to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this informationplease remove the abovementioned inquiries IMMEDIATELY. It is your duty to accurately report this information and as of now you are not doing that. I look forward to The Credit Reporting Agency resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX there was a loan opened in my name from XXXX in the amount of {$3000.00}. Upon trying to purchase a car on XX/XX/XXXX I was notified that my credit score was very low. I went to Experian to see why my credit score was low, that was when I noticed the XXXX account ( among others ) on my report. 
I attempted to reach out to XXXX multiple times to resolve the issue, however I could not gain access to further information about the account because I was unable to answer the security questions or verify my identity. 
Finally I was able to work with someone in XXXX that allowed me access ( despite the security questions ) and was able to submit a fraud dispute. The dispute results were that the loan remained with a balance due. 
From there I submitted a police report, Affidavit, and am working with an Attorney to resolve the issue. 
I request this be removed from my credit report immediately, as the information on file is incorrect and invalid.

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 2022-06-22 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: PA

Complaint narrative:
I, XXXX XXXX, am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error

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 2022-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
On XX/XX/XXXX we went to XXXX, they ran our credit and provided us a loan option from Exeter finance for XXXX percent. They provided our credit scores of XXXX and XXXX for both of us. we took possession of the vehicle. Approximately 1 day later we had found out the scores exeter used to provide the loan were in accurate. We have scores of XXXX, and XXXX from XXXX and XXXX, and received that information on the same date and time of loan request. We contacted exeter who told us to contact XXXX, who in turn told us it was an Exeter issue. Exeter at this time is not responding and is charging a higher apr then it should based on information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX  Account Number : XXXX Please remove it from my credit report Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 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: PA

Complaint narrative:
I, XXXX XXXX, am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error

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 2022-06-22 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: NC

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

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

15 U.S.C. 1681 section 602 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 non-monetary relief