vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company. To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. 

Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company. To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. 

Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).

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 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late fo 266 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late fo 266 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
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company. To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. 

Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint narrative:
I sent a letter to Experian, XXXX, XXXX on XX/XX/XXXX, its been well over 30days, I still have received anything back according to 15 USC 1681i ( a ) ( 1 ) ( A ) these companies have 30days to raise my dispute. My credit score is going low without reason, I pay my credits on time. This is a violation of 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 explanation
Consumer complaint received 2022-12-04 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: NC

Complaint narrative:
I've recently applied for an american express card and was denied. I've applied for this card in good faith per my rights. I have sent adverse action informing american express that I've applied for the XXXX XXXX preferred card in good faith and informed them that adverse action against a consumer is against the law. they have yet to respond. Meanwhile im suffering due to points drop on my credit report. Im injured due to the fact that I can't get approved for any credit to further I and my family of XXXX. I'm struggling to buy food and clothes for them. I can not provide at all. We are eating XXXX meal a day. I've come to know the laws that where violated ( My rights that were violated ) Violations are : 1 ). 15 USC 1691k 2 ) .15 USC 1642 3 ). 15 USC 1681m 4 ). 12 CFR 1002

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
Hi, I originally disputed XX/XX/XXXX, via mail handwritten letter. I was never notified about a debt I owed with Santander Consumer USA Account # XXXX. I asked Santander Consumer USA to verify the debt and I never received a response and it have been well of XXXXdays. I included my updated mailing address in the letter to make sure Santander Consumer USA would know where to respond to my dispute. I also noticed on my credit report a few details and I wanted to know how the balance was calculated. I would like a signed contract between myself and the debtor. This is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. I also stated that the date of last activity was XXXX I would like a list of all activity on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had {$800.00} stolen out of my checking account via ATM withdraws on XX/XX/2022 and another {$800.00} again ATM withdrawals on XX/XX/2022 via ATM withdraws that I didn't authorize. Fifth Third did reimburse me for the XXXX one but denied the second one in XXXX as I was informed that a pin number was entered. I had re-set my pin and whomever was scamming me was able to enter it. I asked if they could look at the ATM security camera to determine who made the withdrawals and I was told that the camera wasn't available. I then asked about the previous {$800.00} ( as if it's someone I know I wanted to file a police report ) but I was told that the security camera for that incident wasn't available either. I find that odd that two ATM transactions at 2 separate sites wouldn't have security cameras working. I even visited my Fifth Third Bank and asked if they could check the camera 's on site and was told no one at that site had access that only the corporate office would be able to view them. 

Then on XX/XX/2022 was scammed {$290.00} ( my entire checking account balance ) via a XXXX transfer that I didn't authorize as I have never even had a XXXX account or app. I was denied a refund for that transaction as well as they said I was texted a number to verify. I actually was able to confirm a text was sent that day to my cell but I didn't see it. So upon researching these issues I think my phone was cloned but I don't know how to verify that. I read that text messages can actually be hijacked. I did close that checking account after the XXXX incident as someone obviously had access to it and I haven't had any issues with my new account as of today. 

I did have credit card fraud as well, a substantial amount on various cards but I was reimbursed for all of these thankfully. I also found out that my information was found on the XXXX  XXXX. So a few months ago I locked my information on all three credit bureaus and still have them locked today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Credit Karma has pulled my consumer report XXXX times from XX/XX/2022 through XX/XX/2022 without my knowledge, authorization or consent violating 15usc1681. Credit Karma had no authorization nor reason to access my credit report creating XXXX inquiries which negatively impacted my consumer credit report. FCRA Section 604 ( a ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: MT

Complaint narrative:
XXXX  is reporting an accident on XX/XX/22 I was hit by a XXXX  driver shown in the police report and crash report, I uploaded in the document upload center. I was NOT at fault. This needs to be Corrected and shown that I was not at fault. A XXXX  driver hit me in the parking lot at XXXX XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX the Accounts below, have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX Company XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank XXXX Late Payment XXXX XXXX Bank XXXX Late Payment XXXX  XXXX XXXX Late Payment XXXX XXXX XXXX XXXX Late Payment XXXX  XXXX XXXX Late Payment XXXX  XXXX XXXX Late Payment XXXX Bank XXXX Late Payment XXXX XXXX Late Payment

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 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX the Accounts below, have 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXXXXXX XXXX XXXXXXXX Late Payment XXXX XXXXXXXX XXXX XXXXXXXX Late Payment XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX Late Payment XXXX XXXX  XXXX Late Payment XXXX XXXX XXXXXXXX Late Payment XXXXXXXX XXXX XXXXXXXX Late Payment XXXX XXXX Late Payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I LJ accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose *Please remove all late payments associated with this account and turn them current. 
The dates of the late payments I need removed are : XXXX late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: KY

Complaint narrative:
My payment was due on XXXX and they took it out of an account I didnt authorize. They also told my XXXX about my loan because they charged her card. She paid a payment for me in the past but I told them not to save her card. They said I would have to give her the money but she got more fees from her bank.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Federal Government must act fast to pass a law on how the Financial Institutions must disclose the Interest Rates they pay on Savings and CD 's. 
It is very deceptive when institutions like Capital One advertise their Interest rates on savings and CD 's published as APY and not APR. 
APY is a function of time period frequency, and the Average consumer is not sophisticate enough to know the difference between the two rates.

The True Interest Rate must be advertised in APR, so that Consumer can compare XXXX to XXXX in selecting a Financial institution and a product to invest. 

Please use CFPB influence and act fast to get this law pass and implemented ASAP. 
Look forward to hearing your positive response on this matter promptly. 
Thank you. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am buying a car for cash from my local dealership. I had left a message with the finance manager that I was paying cash, but what were the terms available if I wanted to finance it. Never spoke to anyone there I had just left a message on the recorder. Next day I had a hard inquiry on my credit report. Ive emailed twice and left a message at the dealership and nobody has called me back.

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 2022-12-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
XXXX XXXX company changed companies and did not obtain trust deed copies from the original company. they are telling me i have to supply them with the complete trust deed copy ( at my cost and expense ). I sent the most important papers from the deed trust. this was done at the time of the original reverse mortgage thru a lawyer. I have the only copy. they are not willing to pay for another copy, and i can not afford to have the XXXX page trust copied. they sent a letter to me : Please be advised that until this trust is approved the loan could be call due and payable. it is there responsibility to obtain the trust that was fully approved in the original mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XXXX of 2021 Ally Bank report an Repossession and then later change it to charge off. 
This is not correct the car was repossession from an former business partner of mind and and since the writ of sequestration was issued wrong Ally Bank owes me an bond or remove the account. If Ally Bank refuse it will leave me no choice but to file suit against Ally Bank under the Fair Credit Reporting Act.

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 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # JPMCB has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose *Please remove all late payments associated with this account and turn them current.

The dates of the late payments I need removed are : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 2681. 
XXXX XXXX XXXX account XXXX XXXX  XXXX account XXXX XXXX  account XXXX XXXX account XXXX XXXX XXXX XXXX  account XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  Account XXXX 15 USC 1681 section 602A states I have a right to privacy 15 USC 1681 section 604A section 2 it also states I have a right to privacy 15 USC 1681 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 
15 USC 1681c. ( a ) ( 15 ) section states no consumer reporting agency may take any consumer report containing any of the following items of information, any other adverse item of information other then records of conviction of crimes which antedates the report by more then seven years 15 USC 1681s- ( A ) ( 1 ) a person shall not furnish any information relating to any consumer 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