vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX, CA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XXXX Balance : $ XXXX Collection Inquiry : XXXX XXXX XX/XX/year>

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 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XX/XX/XXXX my mommy transfer XXXX XXXX USD to my checking XXXX XXXX  bank account. The money take so long for came true in my account so I decide go straight to the bank and for my surprise the bank close my account in XX/XX/XXXX. The bank told me can't tracking any XXXX  transfer, so my mommy decided pay investigation in her XXXX bank and the XXXX bank provide the XXXX, the XXXX the citibank from new York confirm the XXXX XXXX  bank accepted the money. I contact XXXX XXXX bank and the customer service say don't know what I'm talking about, do not recognize the XXXX, now I don't have the money, the XXXX XXXX  refuse give my money back dont have any refund money number or nothing. I open a case with XXXX XXXX and XXXX  bank send a paper with one code and answer this was refunded to my mommy, but brazilian bank don't have the refund and citi bank send the XXXX  XXXX for prove the money was send to XXXX  bank and XXXX bank send a code to the refund to the city bank.

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 2025-02-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
Good Afternoon, On XX/XX/XXXX my account is scheduled to auto debit pay my Loan. I had a personal problem with a bounced check on XX/XX/XXXX which put my account in negative. 

The correct funds were placed into the account on XX/XX/XXXX. 

I contacted the loan company loandepot on XX/XX/XXXX to see if the funds were withdrawn from my account. I could see they had made a withdrawal. And the account was confusing to me if it was returned. 

On the phone, the representative said my account was current and that the XXXX payment was processed. 

I asked her if there was any problem so that I could resolve it that day. She said no. 

On XX/XX/XXXX I received a letter stating I had missed a payment. I immediately brought the account back up to date and requested information as to what happened. 

The first rep I spoke to said he can see the payment went through on XX/XX/XXXX, it did not process and was automatically retried on XX/XX/XXXX. 

I said the money was in the account on XX/XX/XXXX. So why did that fail. He says the account actually didnt retry and it takes 1-3 business days for the account to reflect the debit was denied. 

So I explained that XX/XX/XXXX is 4 business days after the initial XX/XX/XXXX debit. So why wasnt I advised it was returned when I called in. 

He put me on the line with another associate. This girl was rude and attempted to forcefully get me off the phone by responding to my questions is there anything else I can help you with today? 

She then transferred me to a third person. Much nicer and this person says she can clearly see that in the record of my account you can see on XX/XX/XXXX that the debit was denied and that there was an issue. 

So again, I asked why wasnt I advised on XX/XX/XXXX. 

So to shorten, my account had in appropriate funds. I called to resolve the issue and was advised that it was already resolved. 

They then reported to the credit company that I missed a payment. 

But its their fault I missed the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-27 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-02-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
On XX/XX/year> I contacted a car company through XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with questions about a car for lease. They immediately began harrassing me with multiple texts and phone calls and began checking my credit to see if I was approved, though I said I was simply looking and asking questions. They did not stop contacting me even after I expressed hesitation, and continued to run multiple credit checks/hard inquiries without my knowledge : 5 ( five ) in total. I declined their offer and they are still harassing me through text and email as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Successfully added link to external account at another bank by fulfilling all online processes including validated test deposit amounts. Scheduled single transfer from Chase checking to that external account via Chase web portal. XXXX came up flagged for review. Received phone call to validate transaction. Answered all questions correctly to validate identity of both people on account, and answered a whole additional panel of questions to detect any coercion and fraud. After every question asked was answered correctly, was told by Chase agent their verification system had failed and we would have to call their fraud number back and complete the validation with them. We did this and finished this process successfully approximately XXXX XXXX and were told everything was good and the hold on our transaction was removed. However, when I logged into the Chase web portal, I saw that the transaction had been cancelled, and that the external account had been unilaterally deleted. This kind of unilateral action to block a client 's access to their own money with no justification is a violation of the basic fiduciary responsiblity of a bank. Furthermore, we have now made the formal request to close our accounts and are being told the only method is to visit a bank branch, of which there are none within a XXXXXXXX XXXX XXXX  of our rural Mississippi home. Forcing a XXXX man who can XXXX XXXX and XXXX XXXX XXXX XXXX XXXXo go to a bank branch to close his account would add elder abuse to this saga. Chase case number is XXXX. Phone number to XXXX office to which I escalated this complaint is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I'm getting the run-a-round. Not sure who is owner of my loan. Is it Goldman Sachs Mortgage or XXXX XXXX XXXX XXXX XXXXXXXX XXXX GS Mortgage-Backed Securities Trust XXXX XXXX?? I purchased my home XX/XX/year>. My home has been transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  told me I'm responsible for paying an unknown unauthorized {$400.00} appraisal done on the property. XXXX Mortgage sent letter ( only company 's address, no phone number ) that the owner of my loan is Goldman Sachs Mortgage Company. I searched online for Goldman Sachs Mortgage Company and found phone number XXXX. The female agent transferred me to a male agent, and the male agent transferred me to a voice message mailbox. I left a voice message requesting Goldman Sachs Mortgage XXXX send me paperwork stating that they are the owner of the loan or my loan and need to know why I'm I responsible for paying a XXXX  {$400.00} appraisal done on the property. I have a letter from XXXX XXXX XXXX XXXX XXXX or GS Mortgage-Backed Securities Trust XXXX XXXX that they XXXX the owner.. Please before buying or purchasing a home make sure everybody involved with the documents explain to you the difference between owner of the loan and the mortgage company/ bank servicing the loan. In all fairness and rightfully so, the owner of loan that requested or had appraisals done on the home/property should pay for those appraisals. It's just terrible. I have no choice but to pay for the unknown appraisal because if I don't XXXX XXXX XXXX Mortgage will add interest on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: CA

Complaint narrative:
Dear Equifax Dispute Resolution Team, I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : XXXX. This inquiry was not authorized XXXX Inquired on XX/XX/XXXX Please remove it from my credit report XXXX. This inquiry was not authorized XXXX Inquired on XX/XX/XXXX Please remove it from my credit report XXXX. Section XXXX states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this XXXX account can not report. Please remove this account immediately. 
XXXX XXXX Account Number : XXXX I am a victim of identity theft. Please remove it from my report. 
XXXX. XXXX  agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account XXXXXXXX XXXX XXXX XXXX Account Number : XXXX I am a victim of identity theft. Please remove it from my report. 
XXXX. Section XXXX states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this XXXX account can not report. Please remove this account immediately. 
XXXX XXXX XXXX XXXXccount Number : XXXX I am a victim of identity theft. Please remove it from my report. 
XXXX. XXXX  agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX I am a victim of identity theft. Please remove it from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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 2025-02-27 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: NC

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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 2025-02-27 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: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
TransUnion, Equifax, and Experian are reporting information that has been charged off and the debt has been canceled, 1099C has been issued by lender. Income can not be reported on credit report. This is in violation of the provisions set forth in U.S. Code 1692e - False and misleading representation and I do not consent for my information to be shared with these agencies.

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 2025-02-27 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: NJ

Complaint narrative:
TransUnion, Equifax, and Experian are reporting information that has been charged off and the debt has been canceled, 1099C has been issued by lender. Income can not be reported on credit report. This is in violation of the provisions set forth in U.S. Code 1692e - False and misleading representation and I do not consent for my information to be shared with these agencies.

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 2025-02-27 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: MO

Complaint narrative:
The tradelines have not been validated and is causing harm financial.

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 2025-02-27 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: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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