vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under 15 usc 1681. The accounts below have violated my rigthts 15 u.s.c 1681 section 602 A. States i have the rights to privacy. 15 u.s.c 1681 Section 604 A section 2, It also states a consumer reporting agency canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) 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 Delete the accounw below Inquiries 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  They must be eliminate due to their inaccuracy

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 2024-03-19 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under 15 usc 1681. The accounts below have violated my rigthts 15 u.s.c 1681 section 602 A. States i have the rights to privacy. 15 u.s.c 1681 Section 604 A section 2, It also states a consumer reporting agency canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) 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 Delete the accounw below Inquiries 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 They must be eliminate due to their inaccuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, I had conversations with my mortgage company Cross Country Mortgage after receiving paperwork via mail for a modification. This modification was sent in response to my assistance request due to a change in income and increased debt. During the most recent conversation with XXXX XXXX, I confirmed receipt of the modification paperwork but explained that I wasn't satisfied with it due to the increased payment amount and interest. She replied " I didn't have to sign it, '' so I then asked " If it were possible to receive a forbearance to give me time to do a financial plan to pay up the delinquent amount, '' which she advised that " Forbearance is only for those that currently have no income. '' I expressed that I received it in the past while still having an income but my income was reduced. She stated, " We gave you a modification to assist you and already provided you a partial claim in the past. '' Before she could finish calling me out for being in financial trouble I expressed that I am unfortunately in another hardship due to various changes in income and debt. She wasn't helpful or cooperative so I ended the call. I received a phone call from XXXX  the same week stating that my application is being reviewed and expedited because I applied for the home assistance program for Florida in the past but didn't receive assistance due to a lack of funds and a close out of the program. I am hoping this assistance comes soon otherwise I will do my best to devise a plan to get caught up on my mortgage. Going from a payment of {$1600.00} with a 3.25 % interest rate to a payment of {$2000.00} with a 7.125 % interest rate isn't much of a modification and is not going to assist me in my current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: NRA Group, LLC
State: FL

Complaint narrative:
They keep saying I owed {$58000.00} to Florida XXXX back on XX/XX/XXXX but I don't even know and I have insurance since XXXX. It does not make sense.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Ive been discriminated against and American Express violated the Privacy Act. I initially submitted a XXXX XXXX credit card application but was denied based on unverifiable factors. Ive asked American Express to provide me with such evidence stating the reasons of such denial. Per my previous complaint with the CFPB, they failed to do so. American Express provided documents of another person which is a violation of their privacy, and unlawful business practices against me. I have provided the correct reference number for the XXXX application I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I used Citibank 's bill-pay service to add a new merchant : XXXX XXXX XXXX XXXX XXXX When setting the merchant, I wasnt asked for any information to verify the merchant such as zip code, address, or any other details except for my account with them. The merchant was set successfully ( apparently ). I scheduled a payment in the amount of {$2100.00} and submitted it. As of today, the payment has not been received by the XXXX XXXX 

I contacted the XXXX XXXX and they informed that they dont accept XXXX of any kind but only paper checks. Therefore, they explained me that if Citi bank had made the payment to the correct merchant, they would have sent a paper check. 

I have contacted Citis customer service multiple times and on top of being ( most of them rude and not willing to help ), all they have done is sent me a proof of XXXX without any reference that helps to track where the payment was sent, i.e., legal name, XXXX/Routing number, account number, bank name, etc. 

I have called the XXXX XXXX and they confirmed that without any of the information referred to above it is impossible to find the payment. Payment could have even been sent to a different XXXX XXXX in a different state ( instead of Florida ) The correct merchant for this payment should have been ( via paper check ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX As of today, the money withdrawn from my account is lost. Citi 's customer service team tells me they cant do anything to help. I can not believe you can not find a way to verify to who Citi sent my money and help me to recover it. Thats the least I would expect as a loyal client of Citi.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
Statement Regarding Unauthorized Sharing of Personal Information To Whom It May Concern, I am writing to address a concerning issue regarding the unauthorized sharing of my personal information by XXXX XXXX  on my consumer report. This unauthorized sharing of information has come to my attention and raises serious concerns regarding the protection of my privacy rights and compliance with applicable laws and regulations. 

XXXX XXXX XXXX actions in sharing my personal information on my consumer report without my authorization are in direct violation of several laws and regulations designed to safeguard consumer privacy and ensure fair credit reporting practices. Specifically, these actions may contravene the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), Consumer Financial Protection Bureau ( CFPB ) regulations, and potentially state privacy laws. 

The FCRA mandates the accuracy, fairness, and privacy of consumer credit reports, including the permissible purposes for accessing and sharing consumer information. The unauthorized sharing of my personal information by XXXX XXXX may violate the FCRA 's provisions related to permissible purposes and the accuracy of consumer reports. 

Similarly, the XXXX requires financial institutions to protect the privacy and security of customers ' nonpublic personal information. XXXX XXXX XXXX unauthorized sharing of my information may breach the XXXX 's privacy requirements and regulatory standards set forth by the CFPB. 

Additionally, state privacy laws may provide further protections for consumer privacy rights and impose additional requirements on the collection, use, and sharing of personal information. 

I demand immediate action to address this unauthorized sharing of my personal information by XXXXXXXX XXXX and to rectify any inaccuracies or violations of my privacy rights on my consumer report. Furthermore, I expect XXXXXXXX XXXX to implement measures to prevent similar unauthorized sharing of personal information in the future and to comply fully with all applicable laws and regulations governing consumer privacy and fair credit reporting practices. 

Please provide confirmation once the necessary actions have been taken to address this matter and ensure the accuracy and privacy of my consumer report. 

Sincerely, 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