vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 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:
This is not a duplicate complaint and this complaint due to new evidence. 
I'm sending this complaint because I became a victim of Identity Theft and I have noticed fraudulent activity on my report. I have filed FTC report and included in this package. 
I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
These hard inquires are not mine and I never authorized them : XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2022 Please remove these items from my report immediately. I know my rights.

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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/2022 ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX  XXXX XXXX  Account Number : [ XXXX ] Reason : [ NEED LATE PAYMENT REMOVED & THE ACCOUNT FROM PROFILE PLEASE ] To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On ( insert date of report ), I retrieved a copy of my credit report ( insert credit report number ) and discovered an inquiry that I have no knowledge of. 

Because I did not apply for credit with ( insert creditor or lender ), I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into ( creditors name ) inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if ( creditors name ) is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 


[ 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 2022-11-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank ( parent company : U.S. Bancorp ) is not responding to why my loan is delayed and not providing any schedule information. 

I applied to U.S. Bank for construction loan ( construction-to-mortgage ) and received pre-approval and approval - but then the loan was not issued. I am waiting .. waiting, but the loan never came. I've been approved- but have no loan. 

When you ask your banker or mortgage officer, they dont know what to say.

When searching for the possible reasons for the banks behavior, you will immediately find that it is related to the subject of Mortgage Forbearance, which is a program offered to people who were struggling to make their mortgage payments during the Covid-19 Pandemic. They were allowed to delay their mortgage payments, some up to a year and others even up to 18 months, such that this obviously short-changed the banks revenue. Lack of mortgage payments to lending institutes means lack of replenished funds for new mortgages. 

But this all follows a schedule. It is even documented by HUD ( attachment ) how the Mortgage Forbearance periods will take place, with end of the forbearance period ending six months after the Covid-19 National Emergency ends. During XX/XX/XXXX, the Covid-19 pandemic was declared over ( President Biden ) . But the forbearance periods are actually staggered, such that many forbearance periods have ended months ago. Anyones new mortgage loan can be considered in the here and now, with the latest possible postponement to XX/XX/XXXX. I am applied with a construction loan which is typically one-third the amount of a regular mortgage. Certainly this follows a different schedule because if it is one-third the amount of a regular mortgage, the time flow could be rightly divided by three ( one-third the delay time ). 

But U.S. Bank is apparently not saying anything about the forbearance issue to anybody - not to customers nor informing bank managers nor loan officers. All you get is a blank stare from your banker. 

Why is everybody so left-in-the-dark and not informed why your loan is not being issued? 

This might be the reason : During the pandemic period, instead of delaying new loans- they loaned out. Instead of stating a normal delay to new mortgage customers, they loaned at the time of their request ( without knowing the consequences ). Right now the bank is so strained with forbearance periods and with the new loans they issued right in the middle of the forbearance periods. No wonder they are speechless ( stunned ). 

Therefore, Instead of a fair delay-schedule to all new mortgage customers, some people have their mortgage loans right now, while others will be delayed who knows how long?

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 2022-11-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Received email promotion from Chase on XX/XX/2022 Get {$600.00} for both ( an extra {$100.00} bonus ) Chase Total Checking + Chase SavingsSM Open a new Chase Total Checking and a new Chase SavingsSM account and get {$600.00} when you open both at the same time and complete qualifying activities. 


Opened up both checking and saving account online and completed the requirement. but only received {$300.00} for the checking account. Contacted the bank multiple times this week, every time they just asked me to contact another department and not able to provide any resolutions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Giggle Finance Inc.
State: MI

Complaint narrative:
I applied for a small business loan when I was short on cash earlier this year. Giggle Finance was recommended through a rideshare app - so I decided to try applying. The application process was several questions- including a link to your bank account for " verification. '' The company told me I was approved for {$600.00} and sent me a text message that they would be in touch shortly to finalize details. As I was awaiting the finalization call, I noticed that they started taking money out of my account. I texted back the number that sent me the initial message and asked what was going on - only to realize that the number I had was someone's personal line as they responded late in the evening. She said they were beginning remittance on the {$1100.00} that I owed them. I told her I had not agreed to that, finalized, or signed a contract. She sent me an email with a contract with a fraudulent signature. I call my bank immediately and told them what was happening. They told me to reverse all transactions between the company- as it sounded like a scam. 
Several months letter I received a letter in the mail from the Secretary of State that there was a XXXX  XXXX placed on my name. I was trying to use my card for breakfast and my card was declined. I contacted the card distributor and they said my assets were frozen and to contact XXXX, XXXX, & XXXX for details. Upon contact they sent me the same fraudulent contract and said I owed Giggle {$2200.00} I explained to them the situation with no reply- only to receive an increasingly threatening letter that they were going to pursue further action against me. I have asked them for a breakdown of charges and validation of debt with no response. 

As a small business owner this continues to hurt my mental health and business I have been building for the last decade.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: MI

Complaint narrative:
I am writing to dispute the following information on my credit file. I Have recently received a copy of my Equifax, XXXX and XXXX credit reports. The credit reports are STILL showing inquiries that I DO NOT HAVE A OPEN ACCOUNT WITH, and unauthorized. Pursuant to 15 USC 1681 Any inquiries that I DO NOT have a open account with must be removed. This Law also states that for every unauthorized inquiry, by law I am entitled to XXXX per violation. Remove these inquiries immediately, for they are harming me and they are making it extremely difficult for me to acquire credit. I have disputed ALL of these items more once, this is my last attempt to settle this matter. The FCRA also states that the only permissible purpose for pulling someones credit is for A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissable : XXXX 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 XXXX XXXXXXXX REPORTERS Please remove these inquiries immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
Hello, My name is XXXX XXXX and my social security number is XXXX. I was steered into foreberance/hardship when I was eligible for income driven payment plans when my loans were serviced by XXXX. This caused me to gain more than $ XXXX in interest to my student loan accounts. They were also placed back into repayment while I was still in school as a student. 

Please help, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
these two public record bankruptcy information is incorrect see attached XXXX LETTER

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 2022-11-09 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: Experian Information Solutions Inc.
State: MO

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 demand to be deleted immediately 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 explanation
Consumer complaint received 2022-11-09 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: Mortgage Research Center, LLC
State: RI

Complaint narrative:
XXXX XXXX located in XXXX, MO made a hard inquiry to my XXXX credit report without my authorization. I requested documentation of a XXXX XXXX loan application and they told me they " will not be able to accommodate my request ''. Their action was unlawful. 

Here 's the confirmation that they have NO documentation : XXXX XXXX ( XXXX ) To : you Details XXXX, XXXX XXXX will not be able to accommodate that request, and due to being unable to fully meet your expectations of a lender we will be ending our business relationship today. Youve earned your XXXX  XXXX loan benefits, and there are many lenders who offer XXXX XXXX and may be able to better assist you. Perhaps working with a local lender that you can have a face to face business relationship with could better meet your expectations. 

Regardless, we wish you nothing but the best on your home journey and would like to thank you for your service to our country. 

XXXX XXXX XXXX XXXX  XXXX ext XXXX | XXXX ( fax ) XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 explanation
Consumer complaint received 2022-11-09 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: MO

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 XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XX/XX/2022

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 2022-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC
State: ID

Complaint narrative:
Attempted to call GC Services in XXXX TX after a collection was posted on my credit file. Debt is not mine. GC Services is unreachable through a phone tree that requires information that I do not have. 

They also never attempted to contact myself prior to turning the debt in for collection. 

Also contacted XXXX, but they want more information for a service I did not receive. Why is it possible for someone to open accounts/credit in my name and run up thousands of debt without a thorough or complete credit check? Then in turn, the company wants more information from myself to cancel fraud than was likely given to open an account. Why should I have to take my time to prove they are at fault and that it wasnt me rather than a thorough credit check?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

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 2022-11-09 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: CA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
my government funds are placed in my account 5 days before I can have access to it. 

When items hit against the account before XXXX, when they say then can release the ACH, they still end up charging me {$29.00} overdraft fee which this should not have happened they are robbing people blind

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: IL

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
these two public record bankruptcy information is incorrect see attached XXXX LETTER

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 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
I am writing to report predatory advertising by a company XXXX My mother, who is a XXXX, received a prepaid XXXX XXXX  as a " reward '' for completing her XXXX  appointment. One of the methods to activate the card is to call the number XXXX ( see attached ). Upon calling the number, an automated attended inquired whether anyone in her house was over 55 years of age, and then notified her that she was being selected for a " special opportunity. '' She was not provided an opportunity to opt-out before being transferred to a live agent, and the automated attended aggressively and repeated demanded that she press 1 now. A live attendant aggressively launched into a high-pressured pitch to sign up for something regarding XXXX benefits XXXX Despite shouting to the attendant to stop talking ( she only wanted to activate the gift card ), my mother eventually had no choice but to disconnect the call. With my assistance, my mother was able to use the XXXX code to bypass the aggressive sales agents and activate the card. I ask that the CFPB investigate this predatory marketing scheme. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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