vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts and inquiries. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud.XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX Date XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX ; INQUIRIES XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts and inquiries. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraudXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Date XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX ; INQUIRIES XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right, * to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am very displeased and disappointed that my information has been in a few breaches which have allowed fraudulent accounts to populate on my consumer report. I was trying to buy a home and I discovered all these accounts. This is jeopardizing and violating my privacy and my consumer rights. Per 15 USC 1681 law, you all are in violation of this statute. I take my livelihood seriously and I am trying to better myself and my family 's life. This is not fair and I am demanding that credit reporting agencies to remove all fraudulent accounts 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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am very displeased and disappointed that my information has been in a few breaches which have allowed fraudulent accounts to populate on my consumer report. I was trying to buy a home and I discovered all these accounts. This is jeopardizing and violating my privacy and my consumer rights. Per 15 USC 1681 law, you all are in violation of this statute. I take my livelihood seriously and I am trying to better myself and my family 's life. This is not fair and I am demanding that credit reporting agencies to remove all fraudulent accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC
State: GA

Complaint narrative:
Back in XXXX I lost my job due to being XXXX  and XXXX. So I did a 3 month forbearance on my mortgage. When the forbearance ended in the end of XXXX I was able to start back paying in XXXX. I made a payment but I was unaware when I did the foreclosure that those months of the forbearance were all due at one time once it ended that was not explained to me. I have since called at lease 12 times talked to several different people or the phone just hangs up on their end. I have been told several different things and that I would be sent out a packet for payment options and have yet to receive anything at all. We are now in XXXX and have been trying to get this resolved. I just got off the phone with someone they were supposed to be transferring me but instead the phone hung up on their end. I have been getting the runaround with my lending company PrimeLending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am facing severe issues due to the failure of Citibank 's fraud detection system, and a subsequent lack of prompt resolution of the fraudulent charges on my account. 

Around XXXX of XXXX, I had transferred a balance to this credit card, which prior to that had an account balance of {$0.00}. I had only used the card occasionally before this event, and following the balance transfer I used it exclusively for monthly auto-payments to reduce the transferred balance. There were no other activities on the card. 

On XX/XX/XXXX, Citibank contacted me, stating they had noticed suspicious activity on my account. Upon reviewing my account, I discovered numerous fraudulent charges from XX/XX/XXXX to XX/XX/XXXX. I immediately contacted Citibank, requested to close my card, and initiated a dispute against these charges. The Citibank representative assured me that the majority of claims are resolved and credited within a few business days. 

However, on XX/XX/XXXX, I noticed the fraudulent charges were still present, and new unauthorized charges had been posted to my account. I contacted Citibank again to add these charges to the dispute. I was then informed that it would take two weeks from the initial dispute filing date ( XX/XX/XXXX ) for the charges to be credited. 

On XX/XX/XXXX, I found another fraudulent charge had posted to my new card, with a posting date of XX/XX/XXXX. I again contacted Citibank to add this to the dispute, and I was then informed that it could take up to XXXX months for the fraudulent charges to be credited. Moreover, they confirmed these charges would remain as part of my owed balance as reported to credit bureaus during this period. 

Citibank 's claims of routine account monitoring of suspicious activity to detect fraud or unauthorized use and their assurance of {$0.00} liability on unauthorized charges are clearly contradicted by my experience. From little to no activity for years, my account suddenly showed dozens of charges at convenience stores, liquor stores, fast food, pharmacies, restaurants, movies, bars, hotels, from XX/XX/XXXX to XX/XX/XXXX, for a total of {$1500.00}. Citibank 's early warning fraud detection system failed to alert me to these clearly suspicious activities until XX/XX/XXXX, XXXX days after the spree began. 

The repercussions of this are severe. The fraudulent charges are reflecting in my balance, causing my debt-to-income ratio to increase, and my credit score to decrease. This negative impact on my credit score is entirely due to Citibank 's failure in their detection and resolution system, and it appears this may not be rectified for up to three months.

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 2023-07-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Well I received a line of credit in 2007. From that time until 3 years ago. I did not receive any mortgage statements. I don't want to loose my home.

I believed that when I modified my mortgage through one of the various save our home program by the Obama Administration, this line of credit was added to the modified loan and/or discharged. I modified the mortgage of my first loan and received favorable terms. My interest rate is now XXXX %. 
Upon being notified that I was in default, I attempted to notify the mortgage. The modification was approved provided I was able to pay over {$31000.00} to commence the modification process. The original loan amount was approximately {$67.00}. Now the balance is more than double. I am a father of 4 children. I can not afford to pay {$31000.00} in one lump sum.

Provided this lender is the proper party to file this foreclosure suit. I would like a more affordable repayment plan. I do not believe I owe this lender but, again, if they are the proper party and they have not already discharged this debt and/or collected insurance proceeds for the defaulted loan from their various lender policies. I am happy to enter into a loan modification.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
At this point the CRAs know, or should know, the information furnished by XXXX XXXX is false and/or misleading, and that the subsequent reporting of such false/misleading information causes me harm or is likely to cause me harm as a consumer. The precedent established within my Federal district makes clear that reporting of false/misleading information violates 15 U.S. Code 1681e. In this context, the information reported need not even be " false '' but may equally be " correct '' information that gives a materially misleading impression ( see : XXXX v. XXXX XXXX XXXX XXXX 954 F.3d 938, 943 ( 6th Cir. 2020 ) ). The CRAs have received multiple CFPB complaints regarding their persistence of this information and have been asked to remove it. Yet, they have neither conducted a reasonable investigation, nor taken action to remove the derogatory information, even when the information furnished by XXXX XXXX has been contradicted by XXXX own statements those statements, having been included as a part of my previous complaints to the CRAs. 

The full complaint is attached.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
At this point the CRAs know, or should know, the information furnished by XXXX XXXX is false and/or misleading, and that the subsequent reporting of such false/misleading information causes me harm or is likely to cause me harm as a consumer. The precedent established within my Federal district makes clear that reporting of false/misleading information violates 15 U.S. Code 1681e. In this context, the information reported need not even be " false '' but may equally be " correct '' information that gives a materially misleading impression ( see : Twumasi-Ankrah v. XXXX XXXX XXXX XXXX 954 F.3d 938, 943 ( 6th Cir. 2020 ) ). The CRAs have received multiple CFPB complaints regarding their persistence of this information and have been asked to remove it. Yet, they have neither conducted a reasonable investigation, nor taken action to remove the derogatory information, even when the information furnished by XXXX XXXX has been contradicted by XXXX own statements those statements, having been included as a part of my previous complaints to the CRAs. 

The full complaint is attached.

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 2023-07-14 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: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Essentially, On XX/XX/XXXX, JP Morgan closed the account with no explanation. This is my business account XXXX XXXX XXXX- and I actually lost customers because of this. I don't even think my account was opened properly, nor do I even know why JP Morgan closed my account. I'm beyond frustrated, as I told JP Morgan exactly what this account was being used for, and if they have a problem with the account, they shouldn't have opened it to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NE

Complaint narrative:
A checking account was fraudulently opened using my information in New York I have never lived in New York

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: GA

Complaint narrative:
In accordance with 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 15 U.S.C 1681 section 602 A . States I have 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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: GA

Complaint narrative:
In accordance with 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 XXXXXXXX 15 U.S.C 1681 section 602 A . States I have 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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : DPT EDXXXX XXXX, DPT EDXXXX XXXX , DPT EDXXXX XXXX and XXXX XXXXXXXX

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : DPT EDXXXX XXXX, DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX and XXXX  XXXX

Company response to consumer: Closed with explanation