vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-24 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: PA

Complaint narrative:
Hard inquires from INQUIRIES FROM - XXXX XXXX XXXX XXXX XXXX XXXX via XXXX, XXXX XXXX XXXX XXXX via XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX that are on my credit file that I did not authorize. I have filed an Identity Theft 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 2022-09-24 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Without purchasing, amount Charge to my Credit Card, The details are as follows ; XXXX. XXXX, XXXX XXXX XXXX $ XXXX XXXX. XXXX, XXXX XXXX XXXX $ XXXX XXXX. XXXX, XXXX $ XXXX XXXX. XXXX $ XXXX ( PAYMENT PROCESSING )

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 2022-09-24 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:
Hard inquires from INQUIRIES FROM - XXXX XXXX XXXX XXXX XXXX XXXX via XXXX, XXXX XXXX XXXX XXXX via XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX that are on my credit file that I did not authorize. I have filed an Identity Theft 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 2022-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Company/card : Chase XXXX XXXX credit card Description : This card was used for balance transfer at a 0 APR until XX/XX/XXXX. The card was charged XXXX dollars annual fee on XX/XX/XXXX. As of that date, I still have {$360.00} XXXX balance. I made {$95.00} payment on XX/XX/XXXX intending to cover the annual fee. On XXXX statement ( closing XX/XX/XXXX ), I was still charged an interest of {$1.00}. The balance subjected to its purchase APR ( 24.49 % ) category was {$73.00}. This portion the most confusing part to me. 

I contacted Chase on XX/XX/XXXX to inquiry what amount I should pay to avoid any future interest. Chase agent informed me I should pay {$50.00} and there will be no additional interest occurring. The agent refused to explain how the {$73.00} high APR balance was calculated, but only saying it was an automatic calculation. The agent refunded the {$1.00} interest. I made {$50.00} payment on XX/XX/XXXX. 

I leave the account for continuing auto-paying minimum amount thereby. 

On XX/XX/XXXX, the XXXX statement came out, I was charged {$1.00} interest. Balances subjected to 24.49 % was {$89.00}. On XX/XX/XXXX, a {$40.00} payment was made. On XX/XX/XXXX I was charged another {$1.00} interest. Balances subjected to 24.49 % was {$87.00}. I contacted Chase for another 30 minutes discussion regarding this issue. Chase refunded me the interests that were charged on XXXX and XXXX. The agent instructed me to pay off the full balance to avoid any interest. The agent said even if I paid off today, I should expect an interest coming on next statement and I can call again to get refund. 

These responses are inconsistent and unprofessional, as no one was dedicated to explain how the balances were calculated under different categories and why my initial payment of XXXX dollars did not go to balances of highest APR in my account. More importantly, no one resolved my issue at the first place as interests are occurring and being charged inevitably, making it like a trap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: NJ

Complaint narrative:
The following are hard inquiries on my credit reports. I don't recognize or recall authorizing these inquiries. 

Experian : - XXXX XXXX XXXXXXXX XX/XX/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

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 2022-09-24 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: MA

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$35000.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$10000.00} ), COLLECTION ( Opened XXXX XXXX, XXXX, Balance {$280.00}, Original Creditor Name COLLECTION ), XXXX ( Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX ( Opened XXXX XXXX, XXXX, Balance {$0.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal 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 non-monetary relief
Consumer complaint received 2022-09-24 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: NJ

Complaint narrative:
I noticed an account on my report I do not recognize

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 2022-09-24 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: MT

Complaint narrative:
I currently switch from XXXX to XXXX. However after i connect with a girl named XXXX to end my services with XXXX. The next day i received a notice that XXXX made a hard credit inquiry check. The inquiry was done without my consent. They have done this too back in XXXX Why would they pull my credit unless there's something inside the company doing illegal stuff. 
I hope this hard inquiry will be removed as it has harmed my credit score. 
Additionally, i never missed a payment to loan nor to bills. The upcoming bill for XXXX is due in the XXXX of the next month. All this doesn't make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: KY

Complaint narrative:
I have disputed the inaccurate reportingS with TransUnion, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX Account Number XXXX TransUnion is reporting an open date of XX/XX/2018, XXXX and XXXX have an open date of XX/XX/2018. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts do not belong to me and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.

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 2022-09-24 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: KY

Complaint narrative:
I have disputed the inaccurate reportingS with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX Account Number XXXX XXXX is reporting an open date of XX/XX/2018, XXXX and Equifax have an open date of XX/XX/2018. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and Equifax considered to be furnishers? These accounts do not belong to me and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: NJ

Complaint narrative:
The following are hard inquiries on my credit reports. I don't recognize or recall authorizing these inquiries. 

XXXX : - XXXXXXXX XXXX  XXXX XX/XX/XXXX - XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion : - XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXXXXXX XXXX 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 2022-09-24 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: IL

Complaint narrative:
I XXXX XXXX is writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX and TransUnion credit report. My latest credit report shows that on XXXX XXXX a credit inquiry that I did not authorize is listed. I only authorize XXXX XXXX to run my credit for XXXX XXXX and they also ran my credit for multiple lending companies. I would like for that inquiry to be remove from my credit report. 


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 2022-09-24 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I XXXX XXXX is writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX and XXXX credit report. My latest credit report shows that on XXXX XXXX a credit inquiry that I did not authorize is listed. I only authorize XXXX XXXX to run my credit for XXXX XXXX and they also ran my credit for multiple lending companies. I would like for that inquiry to be remove from my credit report. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I XXXX XXXX is writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX and XXXX credit report. My latest credit report shows that on XXXX XXXX a credit inquiry that I did not authorize is listed. I only authorize XXXX XXXX to run my credit for GMXXXX Financial and they also ran my credit for multiple lending companies. I would like for that inquiry to be remove from my credit report. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
Back in XX/XX/XXXX, My sister stole my XXXX federal income tax check in the amount of {$4700.00} and she then got a bank account in my name thru Citibank. I was made aware of the account and I immediately called Citibank to report the fraudulent account and to let them know that my check had been stolen and that I did not open the account. I was told by the customer service rep to call the Federal Trade Commission which I did and I also filed a police report with the XXXX XXXX Police Department And i also reported identity theft to all 3 credit bureaus. I was told by the XXXX from Citibank that someone would call me in 3 business days. I never heard anything back from Citibank until a letter came in the mail dated XXXX XXXX that Citibank fraud department had honored my identity theft claim and after there investigation they found that I had no knowledge of the account. Since then Ive called over 100 times only to be told someone will call me back which nobody ever does. I recently drove from my home in XXXX to XXXXXXXX XXXX in hopes of talking to someone in person that could possibly help me with getting my check back and sadly I talked with 2 different people that like all the others I spoke with could not help me. I recently filed a complaint to the Federal Reserve who emailed me back saying they reviewed my case and sent it to the financial consumer department.

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 2022-09-24 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: FL

Complaint narrative:
XXXX has denied me access to freeze my account after I believe my identity has been stolen. Numerous accounts on my credit report are false and reporting without my authorization. I have called XXXX multiple times as well as sent validation letters to validate these allege debts. This inaccurate and misleading information on my credit report is preventing me from getting employment and basic needs that require decent credit. This is identity theft and something needs to be done now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
Our mortgage company did not pay the taxes at the close of our refinance. This was part of the contract that we signed. We received a delinquent tax statement. When we called they paid it out of our current escrow. This caused our escrow to go into negative. We have tried to contact them multiple times and they still will not respond. They put me on hold hang up. We also had contacted them regarding getting rid of our PMI As we attempted a updated appraisal showing the house was valued at significantly more than what we had financed. They stated that we were exempt from that because we refinanced after 1990?

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 2022-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have disputed the inaccurate reportings with XXXX, XXXX, several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, CAPITAL ONE BANK USA N A Account Number XXXX XXXX is reporting an open date of XX/XX/2019, XXXX has an open date of XX/XX/2019, and XXXX XXXX not reporting this account at all. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and XXXX considered to be furnishers? These accounts do not belong to me and XXXX, XXXX and XXXX have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: MA

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$200.00} ), XXXX ( Opened XXXX. XXXX, XXXX, Balance {$500.00} ), XXXX - XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$280.00} ), XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$1000.00} ), XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Balance {$990.00} ), XXXX XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$1000.00} ), XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Credit limit {$1300.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal 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 non-monetary relief
Consumer complaint received 2022-09-24 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: GA

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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX  XXXX, Account Name : 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 XXXX, XXXX XXXX, XXXX XXXX 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. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 16881s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX - XXXX, XXXX - XXXX, XXXX - 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 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