vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-08 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: AR

Complaint narrative:
Ive been trying for months to remove this account off of my report. This account was not authorized by me. i have recently been informed of being a victim of identity theft. i have also been notified that by reporting these accounts, the companies are in violation of the fait credit reporting act. XXXX, Transunion and XXXX are governed by the FCRA, an according to 15 USC 1681 b ( a ) ( 2 ) clearly states Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. It isnt possible for me to give written consent on a account that wasnt open by me.

They are also violating the Gramm Leach Bliley Act. Which states that a consumer must be given the right to opt out of their information being reported. No lender ever gives that option. With that being said i demand that the following accounts be removed from my credit report. 

XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$5300.00}

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 non-monetary relief
Consumer complaint received 2023-10-08 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: AR

Complaint narrative:
Ive been trying for months to remove this account off of my report. This account was not authorized by me. i have recently been informed of being a victim of identity theft. i have also been notified that by reporting these accounts, the companies are in violation of the fait credit reporting act. XXXX, XXXX and Experian are governed by the FCRA, an according to 15 USC 1681 b ( a ) ( 2 ) clearly states Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. It isnt possible for me to give written consent on a account that wasnt open by me.

They are also violating the Gramm Leach Bliley Act. Which states that a consumer must be given the right to opt out of their information being reported. No lender ever gives that option. With that being said i demand that the following accounts be removed from my credit report. 

XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$5300.00}

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 non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I deposited a Cashier 's Check from the XXXX  XXXX XXXX across the street in the amount of excess of $ XXXX. The teller did not catch that the check was missing an endorsement and went ahead and deposited my check. XXXX  XXXX XXXX paid this invalid check and Citi closed my account or " fraud ''. They have held my life savings for nearly 60 days. 

I keep getting different answers to if I will get my money back and nobody at Citi can provide any assistance. 

I have not been provided any documentation outlining the reason for the account closure and have not been provided a method to get my funds back. Citibank and stolen my money to invest and gain profit.

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, car was broken into and my docments was stolen and i atthached the police report made by the following companies 1=XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, per the Fair Credit Reporting Act section 611.

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 2023-10-08 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, car was broken into and my docments was stolen im attaching a police report made by the following companies 1=XXXX  Inquiry : XXXX XXXX, XXXX 2=XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX knowingly engaged in predatory behavior. XXXX XXXX also knowingly violated the Fair Credit Reporting Act by providing innacurate information related to Hard Inquiries, number of accounts & age of credit history

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 2023-10-08 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XXXX XXXX knowingly engaged in predatory behavior. XXXX XXXX also knowingly violated the Fair Credit Reporting Act by providing innacurate information related to Hard Inquiries, number of accounts & age of credit history

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 2023-10-08 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: TX

Complaint narrative:
I am asking Experian to reinvestigate this inaccurate ac

c HBoun t under 15 USCS 1681i ( A ) ( 7 ) discretion of reinvestigation procedures. I'm requesting that Experian show how this account is verified, and provide supportive documents, disclosures, contract agreements or terms addition agreements, that this alleged account is in fact accurate and that I am the legal owner of this said collection. 

XXXX XXXX XXXX XXXX  Fail to do so, this account must be deleted, if not Experian has violated my consumer rights under 15 USCS 1681s-2 ( A ) ( 1 ) ( B ) ( I ), further violate it under 15 USCS 1681 ( B ) reasonable procedures.

I request an urgent rectification be taken. I look forward to a resolution and subsequent correction of my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Please see attached. 
I reserved a trip but had to make a change. Instead of changing for me they cancelled and charged me almost XXXX in fees. I called the companies direct and reinstated the reservations but the company is charging me cancellation fees they say are going to the hotel. The hotel honored the reservation and did not collect any fees or cancellation from the company at all. If this is allowed to happen then the internet travel company can make thousands of dollars by doing nothing and ruining peoples trips. I honored the reservation, went on the trip, paid the hotel and did NOT cancel. They did because they use overseas english as a second language sales support. They cancel my trip by accident / confusion, and I pay an additional XXXX??? and have to start all over again? ( I used XXXX XXXX Packages which subs to XXXX ) who is operated in XXXX and has no US based support and does not answer the phone, cant get same people, give you no case number and already agreed to refund but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Hardship Letter 1 of 2 Im writing this letter in response to the encounters Ive received in maintaining my home, I've been in my home XXXX  years, but with Select Portfolio Servicing for over XXXX of those years. Ive always let it be known that my intentions are to keep my home. Ive been going through a financial hardship since XXXX, I had XXXX and I work with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that oftentimes pass unexpectedly from XXXX. After being out of work for XXXX years. Ive been trying to get back on my feet. I work as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During this season of XXXX, oftentimes my clients do not make it, leaving me in a position of not having clients to care for. 
Fortunately, I have since added another XXXX agency to my current work load to help me further meet my financial obligations. I paid {$5000.00} in XX/XX/XXXX, letting it be known that my intentions are to keep my home. I started working the second XXXX job, I came up with more money. On XX/XX/XXXX, I went into the SPS portal to make my payments and could not do so. I called SPS Customer Service they said I had been referred over to legal. I was told to put in for a Request for Mortgage Assistance Application and they would get back with me. 
In the meantime I received a letter from SPS Attorney XXXX XXXX XXXXXXXX XXXX  : Reference # asking me to confirm my debt in the amount of XXXX XXXXmy principal amount is {$260000.00} a difference of {$19000.00}. The Letter also states they want this entire amount. I do not have an entire amount of {$280000.00}. This amount is also inflated by almost {$20000.00}. 
I also received a call from XXXX XXXX XXXX policy # they received a letter from SPS on XX/XX/XXXX stating they have initiated a foreclosure. 

I have gotten back on track I can pay for the months that I am behind and not lose my home. My payments are XXXX, I would need to pay XXXX, to bring my account current and reinstate my loan. I have kindly requested that SPS accept my previous arrears, so that I may continue to own my home as I have done for the last XXXX years. I am trying to work and pay the mortgage off so Im not faced with a foreclosure. 

As such, I dont understand why SPS is so eager to take my home, contacting foreclosure attorneys and my home owners insurance company creating undo stress for someone trying to save their home. I now need your help getting my loan modified, AND The Loan Servicer not to inflate my loan by {$20000.00} so I will not lose my home. 


I have attached the Insurance and Attorney Letters for your review. 










Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XX/XX/XXXX Chase sent notice of application being held up due to incorrect information Did not open card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 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: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 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: TX

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 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: JPMORGAN CHASE & CO.
State: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate information on my credit report maintained by TransUnion. On XX/XX/XXXX, I initiated contact with TransUnion to address the following inaccuracies in my credit report. Despite the passage of time, TransUnion has failed to respond to my inquiry. Enclosed are the details of the erroneous information and the necessary corrections : Account Not Late XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} Description : The account in question was never late. Please correct/update this inaccurate information on my credit report. 

Account Not Mine - XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Description : The account in question does not belong to me. Please remove it from my credit report. 

Account Not Mine - XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Description : The account in question does not belong to me. Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: VA

Complaint narrative:
Company did not protect " savings '' 'identity ' & denies wrongdoing but has provided documents explaining that I was billed by a phantom merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: CA

Complaint narrative:
I submitted a complaint against EQUIFAX on XX/XX/2023 and on XX/XX/2023 about reporting an inaccurate account on my credit report. I dont owe XXXX a debt, I have no open account with XXXX XXXX In fact they agreed to be removed from my XXXX XXXX XXXX credit reports because they violated FCRA law and now EQUIFAX is violating my rights as well. I originally filed a dispute against XXXX regarding the inaccurate reporting & discrepancies reported on my consumers report on XX/XX/2023 which gives EQUIFAX, XXXX, & XXXX 30 days to correct the inaccurate information or delete the account, and if failed to do either of those you will be held liable for statutory damages for violation of federally protected laws made for consumers by the FCRA & FDCPA. XXXX & all 3 of the Credit Reporting Agencies failed to comply with FCRA law therefore violating my rights. 

Additionally, as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) ;, you are liable to me for statutory damages for your misconduct, in addition to your deletion of the disputed account mentioned, you are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX issued, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowed period to conduct such a reinvestigation has expired and shall not be extended by law.

Within 14 days, ( 1 ) DELETE the account in dispute, ( 2 ) send a updated copy of my consumer file, ( 3 ) send me the {$1000.00} check to my mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: Kinum, Inc., Indianapolis, IN Branch
State: VA

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

Company response to consumer: Closed with explanation