vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 by certified mail # XXXX I requested TransUnion to conduct a INVESTIGATION on a bankruptcy filed on my credit report. They put in the data furniture as being the XXXX XXXX XXXXXXXX XXXX XXXX XXXX, which is FALSE. I have attached a letter from the XXXX Bankruptcy XXXX XXXX XXXX XXXX verifying and stating that they do not furnish information over to the credit bureau or any credit monitoring service, nor they validate any information concerning bankruptcies. On TransUnion response, they stated that this information is validate and correct, which is false. 
TransUnion had violated my rights under the Fair Credit Reporting Act, 603, 605. 
They are reporting inaccurate information, and fail to legally verify this information, and provide documentation. 
As a supporting document, I also attached my XXXX report showing NO BANKRUPTCY on my credit file.

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 2022-09-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I am the probate and power of attorney for my aunt XXXX XXXX, She passed away in XX/XX/2021. My probate lawyer sent them correspondences in XXXX XXXX XXXX, XXXX and XXXX and they have not responded and will not release the money. Everything has been done and money should have been released but they will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was scammed via XXXX  for a service that I didnt receive. I asked the merchant for my funds to be returned profusely. Chase refused to go forward with disputing the claim. XXXX couldnt help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Asked for Method of verification of two accounts on my credit reports, XXXX, XXXX and Euifax did provide me with the information I asked for. See attached information forwarded to the credit reporting agencies. XXXX, XXXX and Euifax continued to report the account without providing to me how they came to their conclusion that these account belong to me ( XXXX XXXX XXXX for {$1300.00} and XXXX XXXX XXXX for {$7200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Asked for Method of verification of two accounts on my credit reports, XXXX, Experian and XXXX did provide me with the information I asked for. See attached information forwarded to the credit reporting agencies. XXXX, Experian and XXXX  continued to report the account without providing to me how they came to their conclusion that these account belong to me ( XXXX XXXX XXXX for {$1300.00} and XXXX XXXX XXXX for {$7200.00}.

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 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I have tried to closed my account for over 1 month and TD Bank has put a hold on my account and says that I put the hold on my account which is a lie. They have charged my account several NSF fees because of this " HOLD '' and I have no recourse to handle the NSF fees etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
My previous Citi account number was XXXX. On 2018, my loan was with Citi but was sold to XXXX XXXX. Currently, our mortgage is with XXXX XXXX. 

Our credit XXXX score is significantly better but it can be improved by having Citi remove and update our mortgage information that is used by all Credit bureaus. Based on the fact that our loan was sold in 2018, and the information that Citi entered is currently affecting our credit rating. If the information is removed, then our credit score will show improvement. 

The information, if left there, only downgrades or credit ratings. 
I ask that this outdated credit rating information be removed.

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 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: VW Credit
State: GA

Complaint narrative:
To whom it may concern : My personal financial information has been used without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am writing to notify you that I have been the victim of identity theft. I am requesting that you release me from obligation for this debt and alert credit reporting agencies and collection agencies. I appreciate your consideration of this issue in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MT

Complaint narrative:
I have a XXXX XXXX XXXX credit card issued by BarclayXXXX. On XX/XX/2022, I contacted XXXX XXXX XXXX Barclay Card for the second time regarding the XXXXXXXX XXXX XXXX gift cards I was to receive as part of my rewards points were not available to me. I had previously contacted them regarding a physical {$25.00} gift card I had not received. BarclayXXXX did NOT replace the missing gift card and refused to do so. They only signed me up for e-gift cards. The gift cards that show on my account are NOT available to me for use because their website requires an authentication code be texted to my mobile phone. When I click the button to request the authentication code, an error appears. I called BarclayXXXX on XX/XX/2022 to request they fix the error with their website so that I could access my e-gift cards. I was told it would take 15 days to research the issue and I would receive an email. BarclayXXXX did NOT contact me to resolve this issue. I again called BarclayXXXX today, XX/XX/2022 to request an update. XXXX answered the phone and determined she would not help me. I was then transferred to XXXX who determined he would not assist me. I was then transferred to another department ( care, I think ) where I was promptly disconnected. It is clear to me BarclayXXXX  has no intention of providing the XXXX XXXX XXXX gift cards I am owed which is deceptive advertising ( and theft ) for the XXXX XXXX XXXX credit card program.

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 2022-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
Freedom Mortgage has almost doubled the amount being pulled out of escrow. They purchased this loan from a previous mortgage company ( which I was unaware of and had to do some investigating to figure out why payment was not going through for initial mortgage company ). Taxes increased from {$4800.00} to {$5200.00} and mortgage was adjusted accordingly $ XXXX to cover a " shortage spread '' to cover the increase. Couple months following they sent a letter increasing an additional {$450.00} per month on top of the {$51.00} " shortage spread ''. Taxes are $ XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX is $ XXXX. Total of {$8400.00} annual needed. They increased the escrow amount to $ XXXX for a total of $ XXXX. I can not afford to pay twice the amount in taxes, insurance, and pmi and even though they did acknowledge the amount of {$8400.00} was correct for payments on their end, they are refusing to pull less than {$14000.00} on my end. I have never missed a loan payment. I've seen the same story online with this company. Hoping there is a way to resolve this without being forced to refinance into a honest mortgage company with rates much higher in current market.

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 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion has taken it upon themselves to place a fraud alert on my account without my consent or permission. This is causing me to be denied access to my credit report and credit. 

Transunion has been using deceptive and retaliatory practices sense I began disputing with the accuracy of my report as well as privacy on XX/XX/2022. When trying to call to get this fraud alert that only shows up in some places but not on their online website, I am told that there is a procedure to remove it but no one on the phone wants to help me through that process. 

Today at XXXX XXXX EST I spoke to XXXX XXXX ( who says that they don't have agent ID 's ) He began to walk me through the procedure but I told him I am not able to access the fraud alert portion of the website. However, on other websites I see there was a fraud alert placed on my credit report. I can access every other tab on my profile except that one, it shows an error screen. 

Now, Transunion has sent me a letter to an address that is inaccurate and I've been trying to correct that as well but all of their agents direct me to the website which I don't want to use. 

I am being denied access to my credit report, credit, and a fair, impartial investigation. 
XXXX and XXXX have deleted all the information Transunion is investigating so Transunion 's data on my credit report is inaccurate. Not only that but because of Transunion 's inaccurate reporting and lack of resolution I have been denied credit, even though my credit score has raised in other places because of the information being deleted as per my written instructions.

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 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
Inquires that do not belong to me, Identity compromised/Fraud : Credit Bureaus contacted would not resolve the issue. 

XXXX Inquiries : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX Inquiries : XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In Accordance with the Fair Credit Reporting act XXXX Equifax has Violated my Rights 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 agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hello! 

I am having serious issues with Experian!! 

I sent a letter back in May for them to complete an investigation into an account which i believe to be reporting inaccurately. 

They did not respond. 

So I filed a CFPB complaint and followed up with a letter of no response ( which i have attached ) asking them to please conduct an investigation. 

Not only did they NOT conduct an investigation, but they sent me a copy of my credit report instead which is NOT what I requested and can be seen in the attached documents. 

I already have reason to believe that the account is reporting innacuratly on my account. It has been more than XXXX days and they have YET to investigate. 

Please have them remove this from my credit report ASAP!!

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 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: NV

Complaint narrative:
I received a card mailer from U. S. Bank around XXXX XXXX XXXX, that to call and verify if I opened this checking acct. or not. I called XXXX on card and gave my name and reason for call, got treated like nothing, and was put on-hold without any further comment from person at that #.. I called listed fraud # XXXX, and was asked to give social sec. #, I didn't give it, and person at # didn't even ask for fraudulent acct. # ; immed. xfr 'd me to automated line to enter an extension #. And this is " theri '' fraud dept.?!

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 2022-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I sent by mistake {$4000.00} from the XXXX XXXX bank to a TDBank closed account The money went to TDBank and was not returned yet to my XXXX XXXX account. 

XXXX XXXX tells me that they can not ask for the money back and TDBank tell me that they can not find anything. 

What XXXX i do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
To whom it may concern : My personal financial information has been used without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am writing to notify you that I have been the victim of identity theft. I am requesting that you release me from obligation for this debt and alert credit reporting agencies and collection agencies. I appreciate your consideration of this issue in advance.

Company response to consumer: Closed with explanation