vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am an employee of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have undergone extensive vetting and no financial irregularities were found in my background. 

The thrust of the SunTrust allegations are XXXX pages of charges that are identified by the name of " XXXX XXXX '' with no address, no social security number, and no personal identifying information. In fact, the documents do not have an account number. Furthermore, each XXXX of the XXXX pages are marked as " XXXX XXXX of XXXX '' so this is not a running list of charges. In addition, there are no vendors listed and no vendor identifying information - only amounts and dates. 

In XXXX, an author named XXXX XXXX wrote a book entitled " XXXX XXXX '' which chronicled how this kind of paper is created in order to exploit consumers. The " paper '' sells for pennies. He said that in one such " XXXX XXXX '' foreclosure, the Defendent merely asked for a " sworn statement '' from the bank attesting that the charges were made by the Defendent ; and the bank immediately dropped the foreclosure. 

It looks like Truist sold this " bad paper '' on XX/XX/XXXX for {$2400.00}. On the other hand, I have spent a small fortune on my home and it is worth {$400000.00}. This is an illegal foreclosure that must be stopped!

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 2023-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
XXXX  I made a payment in the amount of USD XXXX from my XXXX account to the account of XXXX XXXX XXXX , XXXX under contract No. XXXX, opened in XXXX XXXX XXXX  XXXX. JPMorgan Chase was an intermediary bank in this chain. On XX/XX/, XXXX was appointed in accordance with Presidential Decree No. 14024. Given this, my payment must be blocked by an intermediary bank in accordance with the rules of US sanctions. To unblock a payment, I need to apply for a specific license with OFAC. We contacted OFAC and received a response : This is in reply to your request of XX/XX/. We can not locate a record of the funds described in your correspondence as being blocked. Please contact the bank that blocked funds to verify a blocking has occurred and that information regarding the blocking has been sent to the Office of Foreign Assets Control ( OFAC ) Compliance Division as required. The OFAC Compliance Division may be reached by phone at ( XXXX ) XXXX or XXXX and by mail at the address above. 
However, JP Morgan Chase has not yet blocked the payment and has not informed the sending bank about the freezing measures. We tried to contact JP Morgan Chase Bank via XXXX from XXXX with a request to clarify whether the payment was blocked and what was reported to OFAC and when. However, JP Morgan Chase did not respond. The bank that blocked the payment is JPMORGAN CHASE BANK. XXXX XXXX  did not fulfill the terms of delivery due to blocking. We ask you to unblock the funds and return them to the specified details : Beneficiary 's bank : XXXX, XXXX XXXX, Beneficiary account XXXX, Correspondent Bank of XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX In the XXXX  and attachment, the response from OFAC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: MS

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 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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 2023-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-11-21 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:
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. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 2023-11-21 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: NY

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. 


Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Opened a XXXXSavings and checking acct on XX/XX/XXXX. Made 3 deposits totaling {$76000.00}. Did not receive ATM Debit cards. Our acct was hacked and {$5000.00} was transferred from our Savings to our Checking via phone and from XX/XX/XXXX to XXXX withdrawals totaling {$5000.00} were taken from our acct. We were not notified from our bank that our acct had been hacked. Went to the branch which we opened the accts. to put a freeze on all accts. The bank said in XXXX business days we would have a resolution. We spoke with the fraud department and the branch office numerous times and got nowhere. The banks fraud department said they have footage from the ATMS where the ATM card was used. I gave my description to the fraud department and they said that it was DEFINITELY not me. We received a letter from the bank on XX/XX/XXXX saying the phone transaction was valid and our claim was denied. 
The only person that had our private information was the person who opened our accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: GA

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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 2023-11-21 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: GA

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 2023-11-21 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX 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 explanation
Consumer complaint received 2023-11-21 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: FL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: DC

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. 

Account Name : XXXX XXXX Account Number : XXXXXXXX  Account Name : XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have proof that due to this company 's way of filing credit reports identity theft does not get reported. There is proof that my personal information was sold and bought illegally because I was a victim of the Equifax data breach. I want my credit account secured. 
XX/XX/2023, was the first notice of identity fraud. However, after using the company 's freezing method and alert notification for identity being used. The fraud continued and a fraudulent tax filing was reported. I was not aware and notified until XXXX of XXXX  by the IRS. I am attaching proof the Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I sent out to XXXX. XXXX, and XXXX an identity theft affidavit along with an identity theft FTC report, my personal information, by certified mail on XX/XX/2023 to resolve this matter, and again on XX/XX/2023. I've reach out to the original creditors as well with no resolution. I had requested for the inaccurate information to be removed and blocked from my credit report. This is causing a defamation of character and its injuring me financially. I've spotted many red flags regarding this matter such as : No consistency - Different staff or salespeople are telling you different things regarding pricing or other information Wont put it in writing- No one will give you clear information in writing, even when you ask for i

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 2023-11-21 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
they withdrew XXXX from my savings account for " Legal Order, XXXX  XXXX '' without any explanation

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 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX I called Chime letting them know my phone was stolen that had my account info. They updated my new cell number and gave me access to online at XXXX. At XXXX the person who had my phone called changed it all back to the phone they had. Locking me out of my account again and this time until XX/XX/XXXX. 

On XX/XX/XXXX O had to dispute {$640.00} ( Dispute number XXXX ) I reached out as well to the merchants I was disputing and received documentation from XXXX that they agreed is was fraudulent charges and refunded me. 

Chime refuses to give the credit to my account until their investigation is over. With those XXXX merchants refund o could pay Mty light bill and not be on the dark with no electric, and the rest of my rent so I don't have to be homeless. For a week i have been told I'm top priority and within XXXX hours my credit will be in account. Still I wait and now my landlord has filed eviction paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2023 I sent certified mail to dept of nelnet about all the fcra laws that they have violated. It was a notice of cease and desist. They did not properly investigate the matter. They falsely claimed that they did not violate my fcra rights. They have these accounts attached to an address with my legal name but incorrect address meaning they should should contact the grantor which are the cras and delete these accounts off my credit report. They are furnishing private information publicly to a 3rd party which is illegal. This is infringement and a violation of my privacy rights. On XX/XX/XXXX XXXX said they are furnishing info on behalf of the department of ed which I have NEVER agreed nor signed an waivers or contracts with and to proof it they sent me documentation asking me to update information because they dont have any in their system. They are trying to set me up.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2023 I sent certified mail to dept of nelnet about all the fcra laws that they have violated. It was a notice of cease and desist. They did not properly investigate the matter. They falsely claimed that they did not violate my fcra rights. They have these accounts attached to an address with my legal name but incorrect address meaning they should should contact the grantor which are the cras and delete these accounts off my credit report. They are furnishing private information publicly to a 3rd party which is illegal. This is infringement and a violation of my privacy rights. On XX/XX/XXXX XXXX said they are furnishing info on behalf of the department of ed which I have NEVER agreed nor signed an waivers or contracts with and to proof it they sent me documentation asking me to update information because they dont have any in their system. They are trying to set me up.

Company response to consumer: Closed with non-monetary relief