vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 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: Global Lending Services LLC
State: VA

Complaint narrative:
I retrieved a copy of my credit report from XXXX and XXXX Credit Bureaus, and I noticed a credit inquiry that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

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 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 I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 

As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done. 

I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 


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 explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
tried to apply for a XXXX card via capital one and was denied, told i would receive a paper notice explaining why the application was denied. when the notice came, it did not list a reason, but instead simply said here are the reasons we couldnt match you with an offer : with a blank space after the colon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
About XXXX months ago my daughter babysitter started using my pc and extra phone to fill out application as well as to have a phone because she didnt own a cellphone, she had access to all my financial information, emails, banking as well as apps! Ive known her for years and trusted her! I didnt notice anything until Sunday XX/XX/23 when her mom called me and ask me was I letting her use my card to order clothing my answer was NO she only has the right to order food and thats it! Her mom told me that she was ordering items and shipping them to her friends house upon looking through my accounts I see she has been ordering items some 3 times in a day. I did NOT authorized her to use my accounts or cards to make any purchases other than XXXX or XXXX XXXX anything else she had NO rights! I have my police report, I have put in a dispute with all of my banks I bank with Chime is the only bank that hasnt giving me my money back i have sent in my police report and all info about the other banks! They take all of 10 minutes to come back and tell me there is nothing they can do the first day i tried to put a claim in someone had made 2 extra purchases and I called them to tell them and again they told me it was nothing they can do!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
on XX/XX/2023, I made several calls from phone number XXXX, I wired settlement funds in the amount of {$110000.00} to a corporate credit card ( I sent the wrong number, I meant to send it to my checking account ). 
The issue is that they keep putting me on hold and refuse to send the money back. THis is VERY urgent and would like assistance as soon as possible. I was left on hold 3 times for 40 minutes each. No songs, no person, they would leave. 
They are trying to keep my money. I know they are struggling, but didnt expect this. 
I now am calling and cant get anyone on the phone. 

THey have my money in an account i can not access and they keep putting me on hold. Very intimidating and predatory behavior.

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 monetary relief
Consumer complaint received 2023-07-07 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: LEXISNEXIS
State: PA

Complaint narrative:
RE : Consumer Number : XXXX I, injured consumer, XXXX XXXX, did not authorize ANY consumer reporting agency to report, house, furnish, compile or exchange my personal information with anyone, including : third parties, affiliates or other entities on my behalf. I have never given LEXIS NEXIS consent or have I ever received proper disclosures allowing me to opt in to doing so. To my knowledge, LEXIS NEXIS does not have any expressed or implied contracts with my written signature authorizing them to do so. This letter serves as notice that you are hereby willingly and intentionally committing fraud by way of identity theft. As a consumer, the law protects my rights as a consumer and offers me protections as outlined by Congress against crimes such as identity theft. According to the Fair Credit Reporting Act subchapter F subsection 603.2, it defines identity theft as a fraud committed or attempted using the identifying information of another person without authority. Pursuant to 15 USC 1681b - you do not have permissible purpose to do so ; nor do you have authority to do so. Pursuant to 15 USC 1681c2 this information must be blocked and removed within 4 days. How did you obtain my personal information? Please provide me with your proof of authority to do so. Instruct all agencies, companies, affiliates and corporations you are actively furnishing any information to on my behalf, to remove it immediately and permanently. I have also attached a copy of the required FTC Identity Theft Report number : XXXX for reference. I have also included Form 14039 Department of the Treasury XXXX IRS Identity Theft Affidavit. No additional documentation is needed to authenticate my request or meet my demands as stated herein.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase automatically enrolled me in a service that is showing I have poor credit even though I have never been late on a payment. The service is run by XXXX, who whose score internally on their own report is considerably higher. Even using their own rubric, I do not have poor credit. I believe this is a pretense to charge higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: FL

Complaint narrative:
I sent a letter to the XXXX and TransUnion Credit Bureaus requesting to reinvestigate the disputed Account from my credit report and update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$30000.00}.

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 2023-07-07 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: MORTGAGE FIRM, INC., THE
State: NC

Complaint narrative:
This individual XXXX XXXX pulled my credit score illegally and is harassing me months later and sending me private information about myself and others over text messages. This is incredibly unprofessional and an insecure way to transfer private data. I want to report this person immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper aka Nationstar Mortgage sold my loan to XXXX but never forwarded my last payment to XXXX causing a default in my mortgage and false negative payment history on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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:
Hello, I have several unauthorized inquiries on my report. I have contacted all three credit bureaus by phone and email numerous times each month with no resolution. They all provide me with the same script to contact the company which I have and they advise me to contact the credit bureaus. 
Below I have provided the inquiries from each credit bureau. 

Transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2023-07-07 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 accounts that haven't been any activity since XXXX and I'm trying to fix the Inactivity 's and Wrong Information that's being reported Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - ( XXXX ) appropriate proof of the Identity of the consumer : ( XXXX ) a copy of an identity theft report : ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ). 

The COLLECTIONS BELOW SHOULD BE DELETED AND REMOVED : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AND ALL INQUIRIES ON THE 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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have accounts that haven't been any activity since XXXX and I'm trying to fix the Inactivity 's and Wrong Information that's being reported Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ). 

The COLLECTIONS BELOW SHOULD BE DELETED AND REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AND ALL INQUIRIES ON THE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: Westlake Services, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX You are in direct violation of the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated servals of my right.

15 U.S.C 1681 Section 602 A. Clearly states that 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 consents or instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open -and consumer credit plan as late for 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 explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Hi, I believe I am a victim of a Predatory Loan and Auto Fraud. In 2018 I was pressured into a car sale with Santander Consumer as the loan company at XXXX XXXX XXXX dealership in XXXX XXXX. I believe they used fraud tactics to get me approved as I did not qualify or make enough to pay for the car properly. I already had an older Vehicle through a partnered dealersip for much less and was pressured to upgrade and trade in my car through the bigger and better dealership. They pressured me into a co signer in which they used my father who credit or income wasnt much better than mine. I believe they mixed and matched our information in order to get me approved. The Co borrower and Borrower are different on the dealership forms and the loan forms on one i am the co borrower XXXX XXXX and on the other my father who is now deceased is the co borrower XXXX XXXX XXXX. The attachments below will show the the differences and all the unfair intrest that was applied. This company had a class action lawsuit that I should have been apart of considering I met all requirements but I was never contacted. I would like to receive full compensation for all payments made and or have the vehicle payments ended and car title released to me as the owner. Lastly I also believe im intilted to compensation because santander had my car repossed in a breached peace manner multilple times in which I had to pay thousands of dollars to get my car back. Please help this is not lawful consumer business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2023, XXXX Experian Alerts XXXX subject : H***, your FICO Score has been updated ( Fico score ( R ), your score decreased. - linked image ) Email image in the body " See all alerts '' linked to my account login, and when I logged in, it ( directly ) lands on an Experian page soliciting product /service as quoted : " Upgrade Your Account '' " Try Experian CreditWorks Premium for 7 days for free, then pay just {$24.00} each month. You may cancel anytime if not satisfied. '' And my credit score was decreased one point and no explanation or information whatsoever in the " so called '' alert.

I am done with the scam. I want them to act accordingly their fiduciary duties to fair credit reporting and cease and desist of being the scammers themselves with such covert tactics of snake oil sellers/cross-sellers while holding the power to destroy my ability and power of purchasing/ordering services and products through their credit score reporting. 

Why they decreased my score XXXX point???? They are not supposed to be soliciting a product or service of their own in return of reporting to me my credit score change!!! IT IS MY RIGHT TO KNOW! That is a conflict of interest right there! And a scammy one, misleading at least!

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 2023-07-07 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: PA

Complaint narrative:
Subject : Dispute of Inaccurate Information Pursuant to 15 USC 1681i Dear Sir/Madam, I am writing to formally dispute inaccurate information that your agency has reported on my credit file. Despite my previous attempts to resolve this matter, I have not received any response from your agency within the required time frame, as outlined in 15 USC 1681i. 

On XXXX, I submitted a dispute letter to your agency, clearly stating the inaccuracies present in my credit report. The letter contained specific details about the accounts in question, including the account names, numbers, and the reasons for my dispute. A copy of the original dispute letter is enclosed for your reference. 
Under the Fair Credit Reporting Act ( FCRA ) Section 611, 15 USC 1681i, it is the responsibility of credit reporting agencies to promptly investigate disputed information and provide a written response within 30 days of receiving the dispute. Regrettably, it has been more than 30 days since my initial dispute, and I have not received any communication or resolution from your agency.

Due to the prolonged inaction on your part, I am now requesting that you delete all the disputed accounts from my credit report. The continued presence of inaccurate information is adversely affecting my creditworthiness, hindering my ability to obtain credit, and causing significant financial harm.

I would like to remind you that the FCRA mandates that you adhere to the statutory requirements for prompt investigation and resolution of disputes. Failure to comply with these obligations may result in legal action being taken against your agency, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages under 15 USC 1681n.

Enclosed with this letter, you will find copies of the original dispute letter, certified mail receipts, and any other supporting documentation pertinent to my dispute. I urge you to review the enclosed information diligently and take immediate action to rectify this matter.

Please acknowledge receipt of this letter and confirm that you have initiated an investigation into the disputed accounts, as mandated by law. Additionally, provide me with a clear timeline for when I can expect a written response detailing the results of your investigation and the removal of the disputed accounts from my credit report.

I anticipate your prompt attention to this matter and a swift resolution. Your cooperation in deleting the inaccurate accounts from my credit report will be greatly appreciated. 

Thank you for your immediate action in this regard.

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