vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 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 writing to formally register a complaint regarding the numerous unsuccessful attempts I have made to remove fraudulent items from my account. The persistent presence of unauthorized transactions has caused significant distress and concern, necessitating immediate attention and resolution. 

During my initial contact, I provided details of the fraudulent transactions and was assured that an investigation would be initiated. I was also informed that the necessary steps would be taken to remove the unauthorized charges from my account. 


Subsequent to the initial contact, I have made multiple follow-up calls to inquire about the progress of the investigation and the status of the removal of the fraudulent items. Unfortunately, despite assurances, the fraudulent transactions remain on my account. 
The lack of resolution to this matter is deeply concerning. The repeated failures to remove the fraudulent items have not only caused financial strain but have also eroded my confidence in the security measures of your institution. 
Requested Actions : I urgently request the immediate and complete removal of all fraudulent transactions from my account. This is essential to mitigate the financial impact and restore the integrity of my account. 

I implore your team to expedite the investigation into these unauthorized transactions to identify the perpetrators and prevent any further compromise of my account. 
Communication Clear and regular communication on the progress of the investigation and the steps being taken to rectify this situation is vital. I expect to be kept informed throughout the resolution process. 

Given the distress and inconvenience caused by these fraudulent transactions, I request fair compensation for any financial losses incurred. Additionally, I seek assurance that enhanced security measures will be implemented to prevent a recurrence of such incidents. 
I trust that you will treat this matter with the utmost urgency and diligence it demands. The timely resolution of this issue is crucial to restoring my confidence in the security of my account. I am asking for your assistance to remove these fraudulent items in my credit file : 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 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/2023 around XXXX CST a representative with Citi Bank disclosed my account information to an unauthorized 3rd party. While i was away from my phone, i received a call, my sister answered the phone for me since i was not in the same room as my phone. When my sister asked who was calling ( to leave a message for me ) the representative went into detail with my sister regarding my credit card account. There was no verification on the representative 's part on who she was speaking with, or if the person who answered the phone was me the account holder. My sister asked to speak to a manager/supervisor while informing me of what just happened. I was able to speak with a representative by the name of XXXX ID # XXXX who identified as a Escalation Specialist. When i asked for the name of the representative that disclosed my information to an unauthorized 3rd party XXXX could only give the representative 's ID # XXXX. I asked XXXX what their practices are for verifying consumers, XXXX explained that they only confirm first and last name. I expressed to XXXX my concern for the lack of verification on the initial phone call that the representative gave my account information out openly without confirming they were speaking to the correct party. XXXX apologized.

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 2023-12-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt know follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS with malice and intent after I contacted the tax office TO FIND OUT WHY MY TAX PAYMENTS were being returned and also refunded.SLS was receiving refunds because they made tax payments that were not correct.I reported them to CFPB because I could not get them to stop with charging fees that were not due.Paying tax amount that was not due.The proof is in the letters from XXXX XXXX XXXX.SLS refused to resolve .EVEN AFTER THEY ADMITTED IN XXXX XXXX XXXX XXXX XXXX  .SLS STILL ISSUED A 1098 SAYING THEY PAID {$2000.00} IN TAXES.SLS told CFPB they paid {$1700.00} XX/XX/XXXX and {$750.00} XX/XX/XXXX TOTAL {$2400.00} .SLS admits to {$700.00} refunds CFPB XXXX saying any other refunds they will forward to new lender they transfered loan XX/XX/XXXX ( I have the letter ) SLS SLS refused to correct the file with charges that when XXXX XXXX XXXX received the loan they reversed the FRAUD CHARGES, ONE was put in as a priciple curtailment of the loan.OTHERS WERE CHARGES TO TRANSFER TO INVESTORS XXXX also insited on payments that were not due refusing to accept canceled checks .SLS knew in XXXX XXXX XXXX XXXX XXXX XXXX was sending another refund {$640.00} SLS sent it back to tax office un cashed ( when they knew it was issued to them ) after they assured CFPB any other refunds they would transfer.Tax office reissued {$640.00} SLS cashed it XX/XX/XXXX SLS sent me a 1098 showing they paid taxes XXXX of {$2000.00} IMPOSSIBLE {$2400.00} was the lie thay told of paid taxes XXXX - {$700.00} ( admitted to CFPB ) {$1700.00} - {$760.00} paid by XXXX phone to XXXX XXXX XXXX XXXX XXXX XXXX XXXX by XXXX {$1300.00} payment - {$980.00} mortgage payment {$610.00} left XXXX REFUSED THE REFUND SENT TO THEM XXXX  NOT CASHING UNTIL XX/XX/XXXX So the 1098 sent to XXXX YOU HAVE A COPY ALSO I GAVE YOU XXXX  1098 SO YOU CAN SEE THE TATICS USED ON ME AND THE IRS THIS IS WHY THEY MANIPULATE XXXX LOAN TO GAIN FEES AND GET TAX CREDIT FROM IRS THEY DO NOT DESERVE I ALSO SHOWED FROM THE TAX OFFICE PROOF SENT TO THEM EARLY XXXX XXXX  IT ALSO SHOWS THE {$54.00} I PAID IN XXXX THEY REFUSED EVEN WITH TAX OFFICE AND ME THE STILL DID NOT CHANGE THE 1098. 
I HAVE PROOF OF my tax payments and the refunds i received because of their interferance ... ... .done with full intent to defraud

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 2023-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Santander repossessed my truck after 5 years of me making payments and its insured and registered. They claim that Ive never made a payment and that if I want the truck back I have to pay {$20000.00}. Santanders executive office said they have record of {$18000.00} in payments from me on my principal but their financial department said that wasnt true. The tow truck company that they said has my truck wont call me back or answer my calls and Santander wont give me a record of my payments that Ive made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 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: TX

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

Accounts : XXXX. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My bank account was hacked and the hacker stole {$1800.00} from my account. I have been a client of the Citibank for about 20 years. This account was in good standing for about 20 years. The Citibank response to this incident was that I have to wait until they finished with the investigation to return my money. I do not think this is fair because my money was stolen because simply the Citibank online security system failed and I do not think that I have to wait to get my money back because of failures with their security systems. The hacker went into my account, deleted my pin, add a payee, and did a wire transfer transaction. It is incredible and unbelievable how the Citibank let this hacker to do all that, and even worse, I do not believe that as a client for about 20 years should be treated the way the bank is treating me. The bank is rejecting a provisional credit to me and they wanted me to wait for something that clearly was a negligent from its side to protect my bank account. Since this incident happened, the customer service from the Citibank is been horrible, it seems that the bank is only interesting to look for its own benefits and does not care for me as a client.

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 2023-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
Out of the blue, debt collector TrueAccord sent THREE emails to me collecting THREE separate debts from the SAME utility company, XXXX XXXX, with whom I have not had an account for over seven years. TrueAccord also alleges that one of the debts was from XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX where I have never even lived. One amount is account number XXXX for {$210.00}, another is acct # XXXX for {$160.00} and the last is account number XXXX for {$430.00}. I have no idea where they got my name or email address from but I have asked for proof of the debt and have heard nothing back. I am fearful that TrueAccord will or already has marked my credit for a debt I do not owe and will continue to bombard my email address with unwarranted debt collection notices, or even escalate their attempts, as it is not possible to dispute the debt using the link they provide in their email, without providing one 's phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The bankcapital onefroze every penny in my account including my direct deposit from paycheck and my child support leaving me with no access to any money inc, using freezing my childrens account. This is the result of a court order from a creditor, I completed and faxed the exemption firm and called the creditor who gave me until XXXX to make a payment though the debt is not completely legitimate. The creditor also informed me that it is not legal for capital one to freeze all of the funds in my account and the first. XXXX were exempt. Despite several attempts to contact capital one to explain this law, they wanted a release from the creditor to release the freeze and denied me of fairness under the XXXX. I have no money to survive and they left me access to XXXX fund as well as my XXXX children as they froze their accounts while XXXX are in XXXX Capital one refused to acknowledge this that even the collector says they needed to follow this law but its not their place to tell them. The debt is old and disputable as I continued to pay on it for longer than after sent to collections. 
They put my livelihood in immediate jeopardy as my rent is due. I have a minor with me in my home whom child support is frozen. This is exempt in addition to the first XXXX in my account as all accounts combined do not amount to XXXX! I have a water bill due and no access to food, gas, I need to pay me water bill and they have taken my every cent. This should not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Received notification that a new account was added to my credit report from monitoring service via my credit union. Credit Report was from Transunion. Report contained the following information : account balance {$870.00} account number XXXXXXXX  address XXXX XXXX XXXX  XXXX XXXX, XXXX , NC XXXX creditor name online information service industry type other collection agencies I have no knowledge of this company or any outstanding balance connected to the account. From the information I received wasn't sure if I should start with the complaint or contact Transunion.

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 2023-12-09 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: 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. 

Account name : 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 non-monetary relief
Consumer complaint received 2023-12-09 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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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 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 explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
As the consumer, I hereby dispute the accuracy and completeness of the contested information. I categorically refuse payment for the accounts associated with CREDIT ACCEPTANCE CORP, specifically account # XXXX. My primary concern lies not in validation and verification but in the existence of inaccurate data within my consumer report. 

Pursuant to UCC Article 9, the lender is obligated to furnish certain notices pertaining to the repossession and disposition of the collateral. Non-compliance with these notice requirements may have implications on the legal validity of the repossession. Notably, I have not received any deficiency notices.

I wish to assert my right to challenge misinformation, substantiated by evidence exposing questionable practices. These practices range from the use of inappropriate language intended to harass, oppress, or abuse ( contravening 15 U.S.C. 1692d ( 2 ) ) to engaging in deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ).

Failure to address this matter within the next 20 days will compel me to escalate the issue to the United States District Court. While I prefer an amicable resolution, the urgency of the situation necessitates swift attention to avert legal proceedings.

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 2023-12-09 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:
Hello I recently made a cfpb complaint # XXXX to Experian who has their report number # XXXX. I also previously wrote Experian regarding these same issues. 

It seems in the latest " fix '' explain did one thing I asked, which was to Fix my correct name and only name to " XXXX XXXX XXXX '' however upon looking at my new updated credit report the wrong name of " XXXX XXXX '' still appears on my credit report. 

1 ) Correct Name again is " XXXX XXXX XXXX '' 1a ) Wrong Name again is " XXXX XXXX ''. ( Please Delete along with anything associated with this name which is not me ). 

2 ) Correct Address is XXXX XXXX XXXX XXXX XXXX. 

2a ) Wrong Address # 1 XXXX XXXX XXXX CT, XXXX XXXX XXXX, FL XXXX 2b ) Wrong Address # 2 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX I have lived at no other address in the USA other than XXXX XXXX XXXX XXXX XXXX, for I recently moved here from XXXX ( another country ). 

3* ) Experian shows many things on my credit report associated with " XXXX XXXX '' or XXXX XXXX which again is not me. XXXX and XXXX show " NO CREDIT '' whatsoever, because I don't have any. How can Experian have all these accounts on my credit report that dont belong to me? 

Experian Accounts that do not belong to me : a ) XXXXXXXX Account # XXXX  delete this account not mine. 
b ) XXXX XXXX Account # XXXX  delete this account not mine. 
c ) XXXX XXXX XXXX Account # XXXX  delete this account not mine. 
d ) XXXX XXXX  Account # XXXX  e ) XXXX XXXX Account XXXX XXXX  Delete this account not mine f ) XXXX XXXX  Account # XXXX  Delete this account not mine. 
g ) XXXX XXXX  Account # XXXX  Delete this account not mine h ) XXXX XXXX XXXX Account # XXXX  i ) XXXX XXXX XXXX  Accont # XXXX ALL the above accounts are for the man : XXXX XXXX or XXXX XXXX XXXX or something along those lines, My name is XXXX XXXX XXXX and am not associated with the above person. Again, Both XXXX and XXXX show none of these accounts on my credit report. Somehow Experian has all the accounts under my name " XXXX XXXX ''. 

I have attached Identification again and my citizenship of when I came to this country. 

Thank You 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