vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 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: 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. 

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, 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 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. 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 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
Consumer complaint received 2023-03-27 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. 

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, 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 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. 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 has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
PNC Bank held a foreclosure auction on XXXX XXXX XXXX XXXX XXXX, MA on XX/XX/XXXX over a total balance due of approx $ XXXX with approximately $ XXXX past due. This relates to a home equity loan that my late mother took out in XX/XX/XXXX for {$89000.00}. That principal was all repaid years ago with maybe double that amount in interest. But that is neither here nor there. The fact that the much of the past due balance was incurred during a global pandemic where the entire country was shut down for two years is also neither here nor there. What may be here or there is that I didn't find out about the auction until over a week after the fact. I also didn't out about it from PNC ( who to this very day has yet to inform me of the auction ) but I learned about via the winning bidder. Who, BTW, has been extremely empathetic to my situation and is more than happy to walk away from her bid if PNC complies. If I knew about the auction ahead of time, The Mass Homeowners Assistance Fund ( who I have subsequently contacted and who I am now seeking a grant for up to $ XXXX re this matter ) informed me PNC would have stopped the auction from taking place based upon an agreement they have in place with them. I didn't find out about the auction because PNC either ignored or denied a request to have correspondence also sent to my cousin/executor. That request was made years ago ( XXXX  I believe ) because of my mental health issues but also because the address they send mail to isn't checked regularly and is a just mailbox near the sidewalk that can easily have its contents stolen. PNC also or ignored or denied my Financial Hardship Application filed last summer that I understood would postpone collection activities for 1 year. I have filed complaints with the MA Attorney General and MA Division of Banks who referred me here as PNC doesn't fall under their jurisdiction. I have also been referred by the HAF to XXXX XXXX XXXX XXXX XXXX organization which I intend to utilize as well. As all they're interested in is their blood money, hopefully one of these groups might compel them to do the ethical thing and wait for the HAF grant to be approved. Or, if that doesn't work out, give me the opportunity to sell off the first floor unit as a condo. Their lien isn't going anywhere and they will get their money without stealing a home that has been in my family for over half a century. Thanks for your time and help! It has been desperately needed and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX Someone went to Bank of America and withdrew funds from my checking account with fraudulent checks for {$22000.00} XX/XX/XXXX Check # XXXX Pay to XXXX XXXX XXXX {$8500.00} XX/XX/XXXX Check # XXXX Pay to XXXX XXXX XXXX XXXX {$2500.00} to XXXX XXXX  XXXX # XXXX XX/XX/XXXX Check # XXXX Pay to XXXX XXXX XXXX XXXX {$2500.00} to XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX  was paid on XX/XX/XXXX {$9200.00} ( XXXX XXXX ) XXXX  ID # XXXX The person who did this is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lives in XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police report # XXXX XXXX, IL I want all these people prosecuted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
This loan is with Santander Consumer USA. My vehicle was repossessed in XXXX of XXXX. The vehicle was sold off, and the balance put forward onto my loan amount as per our lending agreement. However, after this, there was a remaining balance of about {$2000.00}. I was struggling financially but was able to make a settlement agreement of a one-time {$1200.00} payment in XXXX of XXXX. I sent the payment in three money orders : 2 for {$500.00}, one for {$200.00}, all packaged in the same envelope, and I saved the receipts. They now say they only received the 2 {$500.00} money orders and not the 1 for {$200.00}. Despite this, all three receipt tracking numbers show they were cashed on XX/XX/XXXX. 

Because the agreement expired, they are now saying I owe additional money on the account. Ive spoken to their customer service on numerous occasions, faxed the receipts over twice, but theyve requested that I pay money to order a front and back copy of the money order. This is absolutely unfair because they were the ones who lost the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: FL

Complaint narrative:
My birth certificate was stolen from my car and I need these unauthorized accounts off my credit 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 explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I have two accounts on my credit report for XXXX XXXX . Neither of the accounts belong to me. I have contacted the company and provided identity information. It has been over 6 months and I haven't received an response. Account numbers and details are listed below. 

Account # XXXX Balance : {$0.00} Account # XXXX Balance : {$3000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am writing to inform you all I am filing a complaint against Truist Banks cash reserve, a line of credit of up to {$750.00} offered based on qualifying direct deposits in checking and/or saving accounts. After my call on XXXX XXXX of XXXX, I was unable to resolve bringing my first monthly payment down to the {$190.00} from {$330.00} after explaining that a previous supervisor, who I spoke with on XXXX XXXX  of XXXX, and the terms and conditions failed to properly inform me that if I took a cash advance in the midst of an active advance, charges would be applied on the dude date from both advances. I reached out right after I took the advance ( XX/XX/XXXX ) and after the statement posted ( XX/XX/XXXX ) with no clear resolution. The terms and conditions also state that I can write a letter to Truist if I believe my statement balance is wrong and I will be sending a letter by XXXX XXXX which is five days before my payment is due & when a letter must be received for automatic payments to stop. I also, according to the terms and conditions, must report this error no later than sixty days after the error appeared and writing a letter by this date falls in that timeframe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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:
We have tried to get this issue resolved in XXXX of this year I have no knowledge of these items or inaccurate information as My information was impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I have solid proof your breach caused these false items to appear on my report. You are reporting negligently and inaccurately and failing to comply with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: EQUIFAX, INC.
State: RI

Complaint narrative:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax Hello XXXX I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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:
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. 

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 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 or 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. 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 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
Consumer complaint received 2023-03-27 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: FL

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. 

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 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 or 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. 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 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 explanation
Consumer complaint received 2023-03-27 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: IL

Complaint narrative:
Filed a dispute on XXXX XXXX XXXX. Transunion claims they verified but have not produced proof of verification when requested. I know they cant be verifying it because it does not belong to me but they still wont delete it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Earlier this month I got a letter in the mail saying Chase was closing my checking account on XX/XX/XXXX due to suspicious activity of funds. I have never been involved in any fraud or suspicious activities assumed upon me. I am a XXXX XXXX XXXX XXXX  who goes to school, work and home. Ive very upset about this circumstance because I love using Chase and have ever since I was old enough to open a bank account. I called the customer support number, XX/XX/XXXX to see if there was anything I could do. The representative told me I could never open an account with chase again and there was nothing I could do. I dont think this is right and this is why Im filing a complaint. Please help me in not getting my account closed, I havent done anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: IL

Complaint narrative:
There was a hard inquiry on my credit report by Bank of America that I did not make or authorize. What made me look into it is I received a text message stating that my Bank of America credit request was approved. Welcome package and cards will arrive within 14 days. I did not request these cards and am concerned these cards may get into the hands of an identity thief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
replying to complaint ID XXXX I was told by Discover representative if still no refund of {$1700.00} once chair is returned to merchant, I should call discover to reopen dispute. I called Discover to no avail, they did not reopen dispute. 

the furniture was picked up by merchant on XX/XX/2023 and on XX/XX/2023 for a full refund as evidenced in the attached enclosures. However, no refund has posted to my account in the amount of {$1700.00}. 

Can you help me reopen this dispute because the furniture was picked up by merchant and returned to merchant XX/XX/2023 & XX/XX/2023 for refund of {$1700.00} and no refund has been issued. My name is XXXX XXXX last 4 digits of card : XXXX my phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
I purchased my house on XXXX XX/XX/XXXX. My VA mortgage payments were {$660.00} per month on a 30 year fixed mortgage. In XXXX my mortgage was sold by the original lender to a new firm called Mr. Cooper. Mr. Cooper raised my mortgage payments to {$920.00} per month and informed me that rate would remain for one year due to no taxes being paid in XXXX in the year I purchased the house. That was news to me since that should have been handled by the mortgage companies involved. Needless to say, with little warning a jump of {$260.00} per month coupled with inflation and a reduction in my income at the same time caused me to drastically alter everything in my life to make ends meet. In XXXX of this year, Mr. Cooper adjusted my mortgage payment to {$790.00} per month. Meanwhile, I turned XXXX in XX/XX/XXXX and filed for an over XXXX tax exemption for the county I live in in Alabama. Those reduced taxes took effect in XX/XX/XXXX. My taxes went from {$1400.00} per year to {$600.00}. I submitted this document to Mr. Cooper on XXXX XX/XX/XXXX so that Mr. Cooper would adjust my mortgage payments correctly. I was surprised then to see my mortgage payment still to be so much higher than when it originally started. After several Email and telephone calls, Mr. Cooper stated they pulled the tax information from the Alabama tax website. My local tax office informed me this website was not up to date and I informed Mr. Cooper they were using wrong information and the tax paper I sent them from my local tax office in XXXX county was correct. The tax official even told me to give them her number so that Mr. Cooper could call her. My mortgage should be dropping and not going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses are XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. 

The correct address is XXXX XXXX XXXX, XXXX, IL XXXX and the only address that should be on my consumer report. 





I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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