vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I contacted Citi XXXX XXXX Credit Card XXXX in regards to a payment I did not authorize. I was set up for automatic payments for my monthly bill. I was setup for my statement balance to be paid in full every month. The payment was to be in XXXX separate payments monthly.. 

My bill is due on XX/XX/2023. XXXX weeks prior to XX/XX/XXXX I had made a payment to satisfy my Monthly statement balance. I checked my account online and it showed that my statement balance was XXXX and on XX/XX/XXXX I would owe nothing. 

However on XX/XX/XXXX {$3000.00} was deducted from my business banking account. When I called citi no one could explain why the payment went through or why that amount was paid. Can a credit card company just arbitrarily take random amounts from your account? 

I spent over XXXX hours on the phone with different representatives that assured me the error would be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09 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: GA

Complaint narrative:
My identity has been compromised due my belonging being stolen and also through the XXXX data breach and my credit has been negatively affect. I've sent documents to get this fixed but had no luck. I can try and get prior police reports beside the current one I've filed. These are not my accounts. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: FL

Complaint narrative:
I noticed inaccurate and a unauthorized account reporting negatively on my consumer report. Not sure if you're mixing my identity with someone else or of this is identity theft. I will attach a letter so your company can investigate and remove this inaccurate account. I will also attach copies of all the credit reporting agencies address reporting FALSE addresses on 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 2023-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I have started getting calls back to back from tower loans with no voicemails left. Are calling daily around XXXX XXXX. I have town them to only communicate with me by mail. This is follow up of the closed complaint case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
: XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

15 U.S.C1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 Section 604 A Section 2 : As a consumer XXXX/ reporting agency can not furnish an account without my written instructions. YOU DO NOT have my permission. 

Please DELETE ALL HARD INQUIRIES and accounts that are reported incorrectly.

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 2023-05-09 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I noticed inaccurate and a unauthorized account reporting negatively on my consumer report. Not sure if you're mixing my identity with someone else or of this is identity theft. I will attach a letter so your company can investigate and remove this inaccurate account. I will also attach copies of all the credit reporting agencies address reporting FALSE addresses on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was contacted by what I thought was a remote job from XXXX. They claimed to be XXXXXXXX XXXX  and used the name XXXX XXXX. They sent me a check in the mail from XXXX XXXX XXXX XXXX to be used to purchase work materials for the amount of {$4900.00}. Upon depositing the check into my Wells Fargo account on XX/XX/2023 they began asking to send the money to different places and the check was found to be fraudulent and now my account is negative that amount and I do not have the money to pay this back. This was a scam and I should not have to pay this.

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 2023-05-09 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: PNC Bank N.A.
State: FL

Complaint narrative:
For the past 9 years, my credit profile has been consistently targeted by hackers who have used my personal information to fraudulently obtain car loans, credit cards, and other loans without my consent. Despite reaching out to the companies involved, I have not received any positive results. This constant breach of my personal information has caused significant hardship for me and has negatively impacted my credit score. Therefore, I am requesting that all creditors remove any negative information from my credit report that was the result of these fraudulent activities. I would greatly appreciate your help in resolving this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a third party XXXX agency reporting in a debt which I dont believe is mine or in the least is reporting inaccuracies. I also believe it is a violation according to 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. And would like it removed from all three credit reporting agencys. Please remove immediately.

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 2023-05-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have called Paypal multiple times, getting different answers as to why I can not close my account. Latest being that I must have XXXX  days with XXXX  transactions before my account can be closed. 

XXXX  days have elapsed since my last contact with them and I am still unable to close the account. Reference previous complaint from XX/XX/2022. I continue to get monthly statements although my account is XXXX and I am unable to log in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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 2023-05-09 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: PA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered that a companies are reporting on my credit report that is not mine and my information is inaccurate. I believe your company is mixing my identity up with someone else or someone has stolen my identity.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered that a companies are reporting on my credit report that is not mine and my information is inaccurate. I believe your company is mixing my identity up with someone else or someone has stolen my identity.

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 2023-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2023-05-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 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 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 2023-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My Loan has been serviced by Mr. Cooper since XX/XX/XXXX XXXX. They did not pay my Homeowners Insurance on time- which was due XXXX of XXXX. As of XX/XX/XXXX there was an {$81.00} balance. 
2. When I contacted Mr. Cooper ( Loan Servicer ) on XX/XX/XXXX the automated system indicated that my mortgage payment was going to change by {$350.00} effective XX/XX/XXXX. I had not received any other notification regarding a change in my mortgage amount prior to this announcement. 
3. When further researching I was advised that Mr. Cooper ( Loan Servicer ) paid my Flood Insurance in duplicate in two different amounts. I was engaged in a three way call between Mr. Cooper and XXXX XXXX. XXXX  Provided Mr. Cooper with the reimbursement payment check number, the date the funds were cashed by Mr. Cooper, as well as the account number the funds were deposited into. 
4. Mr. Cooper has not reimbursed the funds into my escrow account which is now XXXX because of their error.

5. Mr. Cooper advised that they lost the funds that they cashed and the funds. They are not aware to whom the funds were credited. 
6. On XX/XX/XXXX I had to research what options are available to me, as Mr. Cooper advised me that they did not know what could be done. 
7. I requested that a Missing Funds Case be created to research where the funds were so that my account could be credited with my money. 
8. I was advised that nothing could not be done to halt the escalated payment amount beginning on XXXX XXXX  until Mr. Cooper corrects their error of the mismanagement of my funds. 
9. Since XXXX, I have had to contact Mr. Cooper over 10 times in reference to late payments for flood insurance, Home Owner 's Insurance and my taxes. 
10. On XX/XX/XXXX, I contacted Mr. Cooper and requested an escalated call to a supervisor. She apologized but advised me that there was nothing that she could do to assist me. 
11. I believe that Mr. Cooper ( Loan Servicer ) is engaging in predatory loan practices aimed at disadvantaged borrowers.

12. Mr. Cooper is mismanaging my funds. There is no acceptable reason for the funds returned to Mr. Cooper on my behalf not to be refunded into my account.

13. It's a predatory practice not to provide me the consumer with notification of an increase in my mortgage payment. This should not have been done through a notification on the phone system when I called in regarding the incorrect payment made to the homeowners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Freeway Funding, Inc.
State: CA

Complaint narrative:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit again on XX/XX/2023 and the account continues to reflect on my credit report and i have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and the account still reflecting on the report. I do not believe the account belongs to me nor do I believe the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

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 2023-05-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
: XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX or XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  Bankruptcy Discharged # 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-05-09 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: FL

Complaint narrative:
I noticed a unauthorized and unrecognizable account on my credit report on XX/XX/2023.

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