vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 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: MI

Complaint narrative:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from 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 non-monetary relief
Consumer complaint received 2023-11-27 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: LA

Complaint narrative:
Improper reporting on my report never requested credit with these companies. 

XXXX XXXX  XXXX , XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Since my Account was close I been waiting for they send me my money back, My Account was on XX/XX/2023, and still not receive my funds, i been calling the last they say was in XX/XX/XXXX that my final check was sent the day, and now is XX/XX/XXXX i contact them again and they say still have to investigate and no body can tell me nothing where is my money

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 2023-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
On XX/XX/XXXX I inquired with Mohela regarding refunding payments made during the payment pause for COVID-19. I received an automated response stating that the request for refunds had been submitted and there was nothing I needed to do. I subsequently called Mohela a few days later and spoke with someone who told me there would be 2 refunds : one for payments made directly to Mohela and the other for payments made to XXXX during the period of XX/XX/XXXX to XX/XX/XXXX. I received the refund from the payments to Mohela on XX/XX/XXXX, but was told that the XXXX refund could take 90 days. After 90 days passed I subsequently called again in Late XXXX/Early XXXX to ask for a status of that refund. I was told they accidentally closed out the refund request and would re-open it. I messaged them again on XX/XX/XXXX and again XX/XX/XXXX with no response. Today I called ( XX/XX/XXXX ) and was told my refund request was cancelled as it passed a date of XX/XX/XXXX. Even though my original message and request was in XXXX I am now being unfairly treated for money that was overpaid during a very hard financial time seeing prices increase for everything. Now I am struggling trying to make ends meet while counting on receiving this refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: TX

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-11-27 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-11-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
On XX/XX/23, I requested and received from Chase Bank an email with a coupon code to get up to {$900.00} for opening a new checking account and a new savings account, then fund the savings account with {$15000.00} within 30 days of account opening, and make a direct deposit to the checking account within 90 from account opening. The offer is valid through XX/XX/23. 

The email from Chase has a coupon code to provide to a banker if opening the accounts at a Chase branch. The email also has a green box to click on to open the accounts online. Below the green box is the statement " Coupon code applied when you click Open both accounts. On XX/XX/23 I clicked on the green box the email and opened my new checking and savings account. I've funded my savings account with {$15000.00} new money on XX/XX/23, and will have a XXXX XXXX from Social Security to my checking account on XX/XX/23. 

On XX/XX/23, I sent a Secured Message to XXXX to confirm that the coupon code was automatically applied to my accounts like it should be. A rep responded that my accounts did not have any coupon code applied to them, and it was past the 21-day limit for the rep to apply the code manually. 

On XX/XX/23, I called Chase Customer Service about the issued. A rep took all the information then passed the call to her supervisor. The supervisor opened a ticket to have the case researched by someone higher up. 

On XX/XX/23, I received a call from Chase rep telling me that the issue has been passed on to the Banking Team to apply the coupon code and they would get back to me within 3 to 5 business days. 

On XX/XX/23, I called Chase Customer Service to inquire on my case because I still haven't heard back from the Banking Team. I was told that the coupon code still has not been applied to my accounts. 

I want to have this issue resolved by having the coupon code applied to my accounts. If Chase needs the code from the email that Chase sent to me, they can contact me and I'll provide the code over the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27 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: MO

Complaint narrative:
They are violating of my consumer rights by reporting an accurate information inaccurate information on my credit report that the other bureaus have deleted and removed. 

I have a touch document showing my proof

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 2023-11-27 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-11-27 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: TX

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. 

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 2023-11-27 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: HI

Complaint narrative:
My information was sold and illegally because I was a victim of the XXXX data breach. I want these items Deleted from my Credit Reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports.

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 2023-11-27 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
My information was sold and illegally because I was a victim of the XXXX data breach. I want these items Deleted from my Credit Reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports.

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 2023-11-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
Hello, I hope this message finds you well. I am writing to bring to your attention a pressing matter regarding a debt settlement agreement that appears to have been mishandled by Freedom Debt Relief ( FDR ) and its affiliated companies.

Six months into my dedicated account with FDR, I was directed to XXXX XXXX, who proposed a loan through XXXX XXXX  to settle thr
ee credit cards. Regrettably, the subsequent contract from XXXX XXXX failed to specify the inclusion of all three cards. Consequently, my credit report now indicates an outstanding balance of {$6000.00} for XXXX, one of the originally enrolled cards. 

Upon contacting the XXXX XXXX XXXX XXXX XXXX, responsible for XXXX, I learned that FDR failed to fulfill the settlement agreement of {$2400.00} proposed on XX/XX/XXXX The settlement was never executed, rendering it void. 

I have diligently paid XXXX XXXX  every month, believing that all three cards were included, only to discover that they are handling only two of them. I urgently seek your assistance in facilitating an escalation with FDR and Achieve to rectify this misleading situation and ensure the settlement of the pending XXXX balance on my credit reports. 

Your prompt attention to this matter is greatly appreciated, and I look forward to a swift resolution to restore accuracy to my credit profile. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: DE

Complaint narrative:
I have been trying to make my monthly payments and the system is down as well as the website. I have tried call for several days now and I cant get through.

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 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Applied for Citi American Airlines card when purchasing a airline ticket to get a card to accumulate miles about a month ago. Card offer said I'd get XXXX miles if I spent {$2000.00} in first four months including available balance transfer at intro APR of 0 % for first 14 months with a one-time balance transfer fee of 5 % of balance. 

I received the card this month & activated card this morning. When I went to balance transfer option, the intro APR rate was 29.99 %. I tried an online chat that went nowhere for about 15 minutes because the Representative " XXXX '' said their systems were very slow this morning. So I called & the person kept putting me on hold to check on things & finally after about 20 minutes said they'd put in a query about it and see what would do. I said 'cancel the card ' because it just seemed a little too shady.

I don't expect any additional results from this complaint but just wanted to mention it because it's so obviously & blatantly wrong.

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 2023-11-27 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: MI

Complaint narrative:
I HAVE SENT FTC REPORTS AND ALL TO EQUIFAX CONCERNING FRAUDULENT INQUIRES REPORTING ON MY CREDIT REPORT BUT IT SEEMS THAT IS NOT ENOUGH, I CHECKED MY CREDIT REPORT TO FIND THESE SAME FRAUDULENT INQUIRES REPORTING EVEN THOUGH I HAVE TOOK THE PROPER STEPS TO REMOVE THESE ITEMS, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, I HAVE NO ACCOUNT WITH ANY OF THESE COMPANIES AND THEY ARE STOPPING ME FROM RECEIVING HOUSING AND OPPORTUNITIES WITH OTHER CREDIT CARD COMPANIES I HAVE TRRIED ALL OPTIONS TO GET EQUIFAX TO XXXX THESE FRAUDULNT ITEMS AND REPORT MY TRUE CREDIT PROFILE, I HAVE BEEN UNSUCCESSFUL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.

Complaint narrative:
Dear Sir/Madam : I bought the {$250.00} Vanilla prepaid card ( XXXX XXXX XXXX XXXX ) at XXXX XXXX on XXXX XXXX. I paid {$1.00} to XXXX XXXX for verify the card works or not. Then I used the prepaid card without any problem. But I closed XXXX XXXX account later, XXXX XXXX refunded the balance {$590.00} to the VISA Prepaid card. But the card doesn't work. I called the VISA company, the agent told me they can see the VISA prepaid card has {$590.00} on balance. and he opened a ticket ( XXXX ) and wait until XXXX business hours. 
I called them again, another agent said the ticket was still opening, let me wait another XXXX business hours. 
I followed this case again. One lady told me, the ticket was still open, and asked for the documents. But I have never received any notice for it, But I send all of the documents ( photos of the original card, receipt, and the original package ). She said, I will get a replacement card later. 
Then I received a email from XXXX, the email said, I need provide a copy of the original purchase and return receipt for the XXXX XXXX return. I called XXXX XXXX, they said my account is closed already. they can not provide anything to me. 
I called Incomm again, the first agent said he can not do anything for it, I asked for transferring to the supervisor. Then the supervisor still told me they need the copy from XXXX XXXX. She promised me, I will get a call from a manager in XXXX business hours. But until now, no one contacted me. 
As a consumer, I simply used this company 's prepaid card, received a large refund, and then restricted this credit card. And then refused for various inexplicable reasons.This money is too important to us for current economic environment, everyone is struggling to survive. But this company 's approach leaves consumers sad and disappointed. 
I hope that with your help, you can help me recover this XXXX dollars. This would be a huge help to my XXXX  family. Thank you for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: NC

Complaint narrative:
Inaccurate information and unverified information on my reports the following 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 response to consumer: Closed with non-monetary relief