vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 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: NJ

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 1681. 

XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

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

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or 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
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On XX/XX/2022 I was contacted by XXXX XXXX with XXXX XXXX XXXX from a phone number in California. He shared that I was going to be sued and my employer would be contacted to verify my wages and I would have my wages garnished and could lose my job if my employer found out. He also stated that the attorney would be serving me documents to appear in court and as I was defrauding the bank. I advised that I had not received any communication in the mail and he said that they had several addresses on file for me and that may be why. He continued to threaten me with taking legal action against me, contacting my employer, garnishing my wages, and taking me to court, and that I would be served by a sherif or legal authorities. This is the first time I am contacted by this representative and again advised that I did not receive any information on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
we randomly received a bill from XXXX for duties and taxes or something like that. we never ordered anything and we are very confused. XXXX then sent it to debt collectors and now we are being harassed for debt that is not ours

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX around XXXX at night I deposited a commission check for {$1800.00} into a ATM, the ATM took the check and did not say it received anything and did not return the check. I called the customer service line right away and was on the phone with them for about 2 hours before they said the dispute 's center was closed. I called the dispute 's center the next day to let them know, and the opened a claim which I was on the phone with them for another hour, I let know also I had a picture of the front of the check with all the account numbers and names and amounts, but they said they did not want it. Then on XX/XX/XXXX, I got a notification that my account was overdraft because they closed the claim and said they haven't found any check. I went to the branch the ATM took my check on XX/XX/XXXX and they said they there was nothing she could do, after I was there about 2 hours in total waiting in line talking to the teller waiting for the manager, and talking to the manager and I had her call the claims Department and was on the phone with them for over a hour and they said there is nothing they can do unless I had the ATM footage of me at the ATM on that date, the branch manager said she would escalate it and see if we can get the footage on the ATM. I told them I had the picture of the check, and that I needed them to deposit it because my account was over drafted almost {$1000.00}, they suggested I do the electronic despot on the app, and assured me as long as I did it before XXXX XXXX, I would be fine. I called the escrow office that issued me the check to verify the funds were still in the account and no one else has cashed the check, and they did say funds are still available, its never been cashed. I did the mobile deposit that same day at about XXXX XXXX. The next day it showed the deposit was on hold, and I had payments that were returned because the account was negative, I spent over 4 hours that day speaking to about 10 different reps in different departments because no one wanted to help me and they kept transferring me to the wrong departments and when I did get a manger on the phone they pretty much said that there is going to be a hold on my account until XX/XX/XXXX because my account is negative, because they lost my check originally. As of today XX/XX/XXXX I have had 4 payments returned so far, which I am going to get assessed returned payment fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
Rocket Mortgage underwriters issued a mortgage {$120000.00} to me for XXXX XXXX which included taxes and insurance with an interest rate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Now, last month, they decided to raise it ( without taxes or insurance prices going up ).!!!!! XXXX and XX/XX/XXXX they increased to XXXX  XXXX. 

It seems they initiated the numbers with only half of the insurance costs to make it look favorable to me, the purchaser, of the mortgage. By the way, XXXX did this to my son 's mortgage, around the same timing!!! 

I believe they may have done this to thousands of customers for their own financial gain and that's why I'm writing to you. On my closing documents I see that they only indicated half of what the insurance costs actually are. Underwriters are methodical and perfectionists. Besides, they couldn't have done this to me and my son with XXXX different banks, XXXX and Rocket Mortgage. 

This behavior affects the mortgage industry as they monopolize the public and make the industry look bad. They kept me from shopping around. Please audit them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I apply for a car loan for my vehicle and my credit. Other leaders unauthorized pull my creditors I tried to dispute this with the credit report companies, and they refuse to take it off. Please help me with this matter This is 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 2022-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: MO

Complaint narrative:
fraud I never was there, wallet was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: FL

Complaint narrative:
DPT EDXXXX XXXX or XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX or 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. 

Previous claim with CFPB, claim # XXXX, XXXX deleted the above account. 

I have attached a pdf file with the XXXX credit report of the disputes, which proves the deletion of this account.

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi my name XXXX XXXX XXXX have a problem with equifax XXXX have send in my new address change and up date XXXX XXXX XXXX XXXX and I have send in letter to add them updated my address now is XXXX XXXX I call them up check my credit information and my score .now I find out they keep my credit score is to lower. No wander I buy my car is so high with inchit charging my XXXX XXXX is XXXX now equifax is on ly XXXX XXXX XXXX XXXX XXXX add the equifax why they said that how they use XXXX XXXX score .the I add them well XXXX use XXXX too they got XXXX score .and on XXXX equifax XXXX XXXX XXXX XXXX XXXX I need help here

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I tried closing my PayPal account but the " Close My Account '' link on the account page was a dead end ( I have screenshots ). I then tried closing it via the " Delete Your Data / Close Your Account '' link on the data page. I then received a message informing me that PayPal usually responds to REQUESTS for account cancelation within XXXX XXXX. I should not have to ask permission to close my account, much less wait XXXX XXXX  or more for a response. I also believe the misleading dead links are an attempt to keep their stock from continuing to crash this XXXX, as many people are closing their PayPal accounts, which makes this not only a consumer issue but a securities and exchange issue, or so I would imagine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: TX

Complaint narrative:
The following companies are NOT following FDCPA, FCRA, TILA laws and not Metro2 compliant, these laws were created to protect consumer rights, therefore they are violating my consumer rights, I have illustrated in my disputes the inaccuracy of the reporting and the false and misleading information that each company is reporting, these companies are using stall tactics claiming I am not sending them the needed information but Iam and sent my letters notarized, i am asking for your help in this matter, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
on XX/XX/2022 i was XXXX  and taken to XXXX XXXX XXXX XXXX XXXX XXXX XXXX my wallet with my bank card my cell phone and other personal affects were left behind when XXXX XXXX XXXX because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX well someone ended up getting there hands on my wallet and my phone and was able to use both to access my account and make charges and withdraws from it while i was in XXXX. upon my XXXX on XX/XX/2022 i noticed that my items were missing from my stuff and immediately checked my bank and saw that there was transactions made while i was XXXX i immediately notified chime of these transactions, they issued me a new card and started a dispute for the unauthorized transactions. a few days later i was informed that there dispute team denied my claim stating that no error occurred. so i filed a rebuttal which is the only course of action they allow u to take in these numerous rebuttals i've filed i've sent documentation supporting that i was in jail and couldn't have made those transactions just to be denied time and time again i asked why i was denied and they sent me a very confusing email stating the reasons all i got out of it was that they believe that the person/persons who used my card had insider knowledge of my account. but when i told them that my cellphone was in someones possession up until recently and they could have gained access to all my banking information that way they didn't care. i had my XXXX XXXXXXXX write them a letter confirming i was in XXXX  for the period of time in question which also did nothing. so from XX/XX/2022 till XX/XX/2022 any transaction was fraudulent the amount of all the transactions totals {$430.00} and some change and was all the money i had from working which was deposited during that time frame. todate they are still denying my dispute i've sent them every piece of document unredacted with my personal private information information in hopes that they would see that everything i say is the truth. all i got in out of that was there attempt to stop me from filing a rebuttal on the fraudulent transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: IN

Complaint narrative:
On or around XXXX and XXXX I was getting a lot of pre approvals from Credit Karm. At first I didn't pay attention to them but Credit Karma kept sending me different pre approvals telling me I was pre approved for credit cards, for car and home loans as well as personal loans, everyday. Everyday, I would see these offers every time I logged into my account to check my credit score I would see these pre approvals. After being told I was pre approved day after day I put myself in the perfect position to apply multiple times. I was receiving so many offers through Credit Karma I started to tell my friends and family that we were going on our first vacation and I found great investment opportunities that we would be using the pre approvals to invest in. I finally applied on or around XXXX and XXXX and got denied Every single time. I applied for XXXX personal loans at {$15000.00} each, I applied for XXXX credit cards at {$5000.00} each, and a home loan at {$20000.00}. Even though I was pre approved for everytime I still got denied. I was distraught, I was stressed, I was very angry and I felt deceived. I was a marketed to for months and the following year. Credit Karma told me I was pre approved every time and this was a lie! I was severely stressed out. I suffered from XXXX XXXX with XXXX that left me XXXX XXXX XXXX XXXX that lasted for weeks along with becoming withdrawn from daily activities with friends and family outings. I became very angry and that affected my daily activities, my daily job, and time with my family. Now every time I see a pre approval I immediately close my phone and shut off my desktop. This experience has made me uneasy, uncomfortable, and untrustworthy of any pre approvals that I have not checked my consumer report as frequently as I should.

Company response to consumer: Closed with explanation