vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 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:
I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records

maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such
reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect XXXX XXXX XXXX XXXX  Employer - XXXX XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be 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 2024-04-17 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the 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
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am looking for your assistance in helping me recover an unauthorized ACH transfer from my Citibank Business checking account, taken by XXXX XXXX XXXX  on XX/XX/XXXX, in the amount of {$3800.00}. I have asked my Citibank Representatives to obtain a response from XXXX XXXX XXXX, the XXXX XXXX, explaining how and why these funds were taken out of my account and how they obtained my account number. XXXX XXXX XXXX  has NEVER responded or cooperated in any of the Citibank requests for additional information. Citibank continues NOT to be helpful and will not take responsibility for the unauthorized ACH transaction and refuses to return those funds to my account after repeated requests. Citibank has failed to act in my best interest as an account holder for many years. 
I have repeatedly tried to work with Citibank from XX/XX/XXXX to the present day of XX/XX/XXXX with no positive results. I initiated a first formal Citibank inquiry asking for First Third Bank to return the unauthorized funds with a Determination letter from Citibank dated XXXX XXXX, stated there was No Response from XXXX XXXX, therefore there will be no return of funds. I then initiated a complaint through the Office of Comptroller of Currency with another formal Citibank inquiry on XX/XX/XXXX. A Citibank Letter of Determination dated XX/XX/XXXX stated again - there was No Response from XXXX XXXX, therefore there will be no return of funds. I recently started another inquiry with Citibank on XX/XX/XXXX to keep a new inquiry in process to be able to file a complaint with the CFPB in my hope that you can help me in some way have Citibank fulfill their obligation to protect their clients. I believe that the originating bank, XXXX XXXX XXXX, has an obligation to provide Citibank with the information as to who supplied them the routing and checking account number that belongs to my account and acknowledge that they mistakenly took those funds from 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
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My account was closed by Chase Bank in XX/XX/2023, and they have frozen and are holding onto my life savings for six months now without providing any specific date or reasons for when they will release my money. I have been trying to follow up on my account status every week since it was closed, but every time I receive the same response : " The funds are under investigation by our legal department, and no release date can be provided. '' Chase is refusing to provide any further information, and there is no agreement that states Chase can hold customer funds without specifying a release date. Chase 's representatives also refuse to provide any protocol or agreement that grants them the right to hold funds indefinitely ; instead, they claim Chase can hold customer funds at their discretion. This situation is seriously affecting my current life and making it hard to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: NY

Complaint narrative:
I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX  XXXX XXXX XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect DOB : - XXXX  Employer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

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 2024-04-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
On XX/XX/year> I contacted the collection agency FMS Financial Solutions at ( XXXX ) XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXX, MD, XXXX or XXXX XXXX XXXX XXXX, MD XXXX. I am writing to express my deep dissatisfaction and frustration with the unprofessional behavior dispalyed by XXXX XXXX XXXX, a representative during my recent phone conversation interaction regarding a deby payment resloution. 

I was trying to discuss potential options for resolvinng a debt that I currenlty owe with FMS Financial Solutions. However, instaed of providing assitstance or offering constructive solutions, XXXX XXXX XXXX exhibited disrespectful and unhelpful conduct throughout our conversation. Not only did XXXX XXXX XXXX fail to listen attentively to my concerns, but he also displayed a dismissive attitude and showed no willingness to explore possible payments and go over deletion options once this debt was resloved. I even requested to speak with a different representative and XXXX XXXX XXXX said he wouldn't transfer the call and that I would have to hangup and call back. Furthermore, his abrupt decision to terminate the call by hanging up on me and my husband without any explaination was both rude and unacceptable. 

As a customer seeking assistance in fulfilling my financial obligations, I expected to be treated with dignity and respect by a person that is representing FMS Financial Solutions. Unfortunately, the behavior demontrasted by XXXX XXXX XXXX fell far short of thse basic expecations. I firmly belive that effective communication and professionalism are essential components of any successful business interaction. Regrettably, my experience with FMS Financial Solutions representaitve XXXX XXXX XXXX has left me feeling deeply disappointed and dissatisfied. In light of this incident, I urge you to take appropriate action to address the behavior of this representative and this isn't the first time that XXXX XXXX XXXX has had issues with how he treats clients with all the complaints online with this same individual.

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 2024-04-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, a payoff of the HELOC in the XXXX was submitted to XXXX, Specialized Loan Servicing. I have a document from SLS that states this figures expires XX/XX/XXXX. 

On XX/XX/XXXX, I submitted a hand written letter to SLS to close the account and that all remaining funds should be refunded. I had to submit the letter because I received a billing statement. 

I received another statement and I called on XX/XX/XXXX and spoke with XXXX, XXXX XXXX who informed acct not yet closed. Upon request was transferred to Escalation dept and was sent a payment history as requested. 
XXXX I called as nothing has been corrected. 
XXXX received a confidential envelope stating urgent noticeSLA independent field inspector came by to inspect condition of property. I called SLS, spoke with XXXX, Escalations dept and XXXX, Supervisor was looking into it. 

XXXX I call again as I have not heard anything. I also call Lender who worked with us to pay off this loan and he sees that we have been sent to collections by SLS. No call back after this conversation. 

XXXXI call again and get XXXX, again. I point out to her that I sent letter in XXXX and she states that she sees it. 

XXXX this issue is still not resolved and XXXX nor any other manager of SLS has called me.

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 2024-04-17 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: IL

Complaint narrative:
In accordance with the fair credit reporting act. The List of accounts below has has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX Account # XXXX, Account name : XXXX XXXXXXXX Account # XXXX :, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXXXXXX XXXX Account # XXXX and Account name : XXXX XXXX XXXX Account # 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 furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: IL

Complaint narrative:
In accordance with the fair credit reporting act. The List of accounts below has has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX Account # XXXX, Account name : XXXX XXXX  Account # XXXX :, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXXXXXX XXXX Account # XXXX and Account name : XXXX XXXX XXXX Account # 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 furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2024-04-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
On approximately XX/XX/2024 I mailed a certified letter that was notarized, in the form of an Affidavit to a debt collector requesting " Validation '' of an alleged debt and not the standard Verification.

This is my right as a consumer : 1006.34 Notice for validation of debts ( CFPB ) 15 U.S. Code 1692g - Validation of debts ( US TITLE 15 ) About 3 weeks later, this same debt collector did not respond with an Affidavit. They responded with a regular standard mail with a computer-generated Verification form. I need help from the CFPB because they are ignoring congressional laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: TX

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 inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Equifax several times to inform them that my mortgage account with XXXX XXXX XXXX is not past due. I spoke to XXXX XXXX XXXX and they sent me two letters stating that the account is not past due, that they do not even report anything to the credit bureaus regarding this account. 

When I talk to Equifax they asked for a copy of the letter and statement which I sent them. This account is not past due and my credit report should not reflect that it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: OK

Complaint narrative:
I sent a certified letter to experian disputing errors on my report. They refused to investigate stating it wasn't me even though it was me disputing. This is the 2nd time this has happened. This was just disputing collections and inaccurate addresses

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 2024-04-17 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: OH

Complaint narrative:
To Whom It Make Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief