vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: T.S. Holdings
State: CA

Complaint narrative:
The account is listed on my credit report by the company XXXX XXXX XXXX - XXXX. 

They keep reporting this debt saying that I incurred this debt while living at the following address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. 

I have never lived at that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have requested for address that are not mine to be removed from my credit report and they refused to delete. 

These address are not mine : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have requested for address that are not mine to be removed from my credit report and they refused to delete. 

These address are not mine : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2023-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX fraudulently cashed a {$290.00} money order I obtained from Chase in XXXX XXXX XXXX  in a previous response has admitted they cashed the money order wrongly and states they sent a check for the {$290.00} to Chase on XX/XX/XXXX, XXXX they sent it to the wrong address, when it should have been mailed to:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Chase knows this because XXXX XXXX, the branch president, informed me of this 2 weeks ago. Yet they have not reimbursed me for the {$290.00}. I was told by a bank representative from Chase that this would be resolved and I still have not received my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Hi my name is XXXX XXXX and I recently had my credit card balance decreased without my consent. The decrease has severely impacted my credit. Because the credit card company decided to decrease my credit limit to the actual usage I had on my cards and maxed out my credit limit. This is unfair to the consumer and has ruined my credit score. I have always been responsible with my credit accounts and was never late. I only recently was late once on one of my accounts and that was due to me being hospitalized. It was completely out of my control. I am requesting a goodwill review of my accounts with Citi. One of my accounts I have been a customer since XXXX and have never had any issues. The most recent Ive been a customer since XXXX. Please reconsider restoring my credit limits back to where they were this is impacting me financially in a major way. Citi decrease my credit limits on all 3 of my credit cards without pre-warning me and when I called the bank to resolve the issue. They only restored my original credit limit to one of my cards and left the reduced limit on the other two. This is really impacting my credit score causing undue hardship. The accounts that were impacted are ending with XXXX and XXXX. Citi I am asking for a goodwill consideration to restore my credit card limits back to where they were on these two accounts.

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 2023-10-12 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : 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 XXXXI XX/XX/2023 TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion 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 XXXX 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2023-10-12 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
i was in the hospital for XXXX months with XXXX, hmissed XXXX XXXX and i only missed XXXX payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
I am following up to the CFPB Response I received yesterday regarding a mortgage loan assumption. It appears that NewRez is refusing to waive my late fees, which I am willing to let go because XXXX XXXX issue is pertaining to the loan assumption which is to be completed by my mother XXXX. The response stated that underwriting declined XXXX for the loan assumption due to no record of a housing payment on her credit history or having a rental agreement. 

At the time of the Loan Assumption application, I have stated on NUMEROUS occasions that XXXX DOES NOT pay any mortgage or rental expenses associated with the existing XXXX Loan. I also explained the original letter of explanation had a typo. The first payment XXXX made on the loan was in XX/XX/2023. I have once again attached the explanation letter the underwriting team is refusing to accept. The guidelines for an FHA XXXX do not require previous rental or mortgage history. I took my original XXXX XXXX out and did not have to provide any of this information. It is rather clear, that NewRez is purposing not pursing a loan assumption for XXXX because they do not want to honor the original interest rate of 2.75 %. I am demanding this be escalated to Underwriting XXXX and the XXXX of your organization. I refuse to wait another year to have this account reviewed for a loan assumption. This is absolutely ridiculous and violates many laws that protect the consumer. If NewRez is unwilling to honor the loan assumption, I want to see the FHA Guidelines that are being used where it states she must have 12 Months Rental or Mortgage History. It is not an accurate statement according to my research.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC
State: AZ

Complaint narrative:
The calls from XXXX XXXX XXXX have come regularly since XX/XX/2023. Each time they call I aske them to send me the XXXX XXXX and/or any documentation about the debt they said I owe. I've never received any information. On Tuesday, XX/XX/2023 I decided to call Reliant Capital Solution myself and see if I could obtain any information. The following things took place : XXXX. ) I verified who I was with my PII. ( XXXX XXXX XXXX ) XXXX. ) Once I that was completed the gentleman asked why I was calling. I let he know I wanted more information and documentation about my debt. 
XXXX. ) He then asked me did I see the debt on XXXX XXXX. I said yes. He told me that they are not always accurate with their information. 
XXXX. ) He then said well I pull up the credit bureau reports so we can verify the debt. 
XXXX. ) He then asked me for my credit card information, so they can charge me {$1.00} to get the reports. 
XXXX. ) I asked him why do you need my credit card information. He told me this way we can verify your debt and try to save you some money. 
XXXX. ) I then told asked him, if XXXX XXXX XXXX has bought my debt why can't you tell me what I owe? He can't going on about how he was trying to save me money and never provided any information. 

I felt like he was trying to get my Credit Card information to charge my card for the whole debt without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XXXX i had XXXX hard inquires on my XXXX Credit Report. I have tried to contact all XXXX companies to no avail. they could not give me any information. I did contact my XXXX but I would like to report abuse of my personal information. I have not applied for any car, home, or personal loans, or opened any new credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX credit bureaus was XX/XX/2023, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and 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 explanation
Consumer complaint received 2023-10-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have found inaccuracies that should be immediately investigated. There are inaccurate late payment markings that show on my credit report I am requesting to be updated to reflect my accurate payment history. I need these accounts to be corrected ASAP. Thank you. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: NY

Complaint narrative:
I have no association to these accounts origination or use. I never authorized these accounts opening. But these accounts are on my credit report and has been affecting my score.

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 2023-10-12 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: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX credit bureaus was XX/XX/2023, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-10-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I deposited my check from an an account closure check I received from XXXX after contacting the Consumer finance protection Bureau to my capital one savings account and a few days after i received money back from a reversal from when I got hacked. They froze my account and told me to call them. I asked them to verify my funds and they told me theyre closing my account and that they will issue my balance basically whenever they feel like it. This feels like abuse now. Something does not feel right and Im going to find out. This feels extremely discriminatory especially with who I was speaking to on the phone. Now I have to wait for my money another month because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX, a email was sent to me about a new credit card being open by Synchrony bank. 
I did not initially read or open the email when I received it. 
XXXX XXXX, another email was sent out, congratulating me on my new credit card. ( Both emails sent were by different XXXX accounts ) I called the number provided to try to close the account. They wanted me to say my SSN to verify the account, I did not want to and stalled by verifying other information they had while I searched online about SSN over the phone. I found out they already had my name, address, and that they wouldn't ask for XXXX other the phone. ( Plus they provided the address to me to verify and I don't think they should've been giving out information like that to begin with ). 
I hung up the phone without giving them the XXXX and despite them having my call back number in case the call got disconnected, they still haven't called me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
After filing one complaint they proceeded to tell me they couldn't verify me which would take a7 day turnaround affidavit I had to get notarized.I did and I I did so at the ups store with a tracking number and over nighted it.So when I confirm XXXX signed for it on the ups tracking sight I called and let the employee lie and then confronted them, then they dispatched me to Someone who said oh yea it just hasn't been uploaded an it would take 7 days to process before I have access to MY VA XXXX CHECKS.Even after I explained all this to this woman there was no empathy.I served from XXXX to XXXX 4 months in XXXX and year in XXXX while I was XXXX an XXXX yrs old.i just got benefits 4 months ago now there trying to take them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a credit card with Suntrust bank probably XXXX or 11 years ago. I never had XXXX late payment with Suntrust in all of those years. I paid the card off and quit using and actually asked Suntrust to close the account. In XXXX of 2020 I lost my job with my employer of XXXX years and moved to Florida XXXX Sometime during that transition Truist acquired Suntrust and sent me a Truist credit card. The card never made it to me as they put the incorrect address on the card. When they opened that account apparently they charge a yearly fee for the card, and sent me a bill to the wrong address again. They did not have a working phone number or email address for me. I confirmed that with Truist. The email and phone number on file with Suntrust was my old company phone and email of which I no longer had. 

In XXXX of this year I got hit with a 30 days past notificiation and my XXXX XXXX took a nose dive from nearly XXXX to XXXX. The total owed to them was {$110.00}. I had no idea that this account had been opened, and considering I had never been late for a Suntrust payment - had I known I would have cancelled the card after paying that balance. I pride myself in on time payments and was en route to getting my XXXX XXXX to an XXXX. 

When I spoke to Truist and explaned that I had never been notified via email, telephone, or snail mail they did let me know that they did have my wrong email, phone number and incorrect address of which they said several pieces of mail had been returned to them undeliverable. They said there was nothing they could do to correct this. i went ahead and immediately paid off the bill and am looking to you guys for assistance. 

It is my understanding that this happends often when banks are acquired. Please give me a call if you have additional questions. My cell number is XXXX Sincerely, 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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My social security number is XXXX & on my credit report it has XXXX different social security numbers attached to my 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