vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
My Credit Report with TRANSUNION Was Used Fraudulently the following inquiries Were Made fraudulently in attempt to obtain credit in my name Also these has been fraudulently reported to my consumers profile as I did not authorize the company to report this information Inquiries : XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Construction ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/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 2022-03-29 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: DE

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: DE

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
XXXX XXXX XX/XX/1985 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 1. XXXX  - XXXX 2. XXXX  - XXXX 3. XXXX  - XXXX 4. XXXX  - XXXX 5. XXXX XXXX XXXX  XXXX - XXXX 6. XXXX XXXX XXXX - XXXX 7. XXXX - XXXX XXXX - XXXX 8. XXXX XXXX, XXXX XXXX - XXXX 9. XXXX XXXX XXXX - XXXX 10. XXXX XXXX - XXXX 11. XXXX XXXX - XXXX 12. XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
My name is XXXX XXXX my student loan debt goes back from 1996. It was {$20000.00} or less. Over years job struggle and career changes and economy up and down. The issue i been having is the repayment monthly payment are way too high and the interesting rate is way too high. The last time i applied was for debt reduction for government employee. It was denied. Now the Navient Company is ask me to consolidate my account to apply for the lower payment. This debt should be wipe out or all interest rates should be wipe out. I have {$2700.00} mortgage and kid headed to college and car notes and inflation with gas prices. Our president Biden wipe out certain student loans i ask for debt removal and never received any answer. Im XXXX yr old and carry this debt has been a ball chain. What I'm asking for is amnesty or debt forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CURO Intermediate Holdings
State: CO

Complaint narrative:
I got a report on my Credit that says I took out a loan in that state but used a XXXX ID card. Property that was lost in a Self Storage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: FL

Complaint narrative:
In accordance with the FCRA the following companies have violated my rights as a consumer. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There was never any written instructions given by me. 

1. XXXX XXXX XXXXXXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
My Consumer credit Profile Was Fraudulently used in an attempt to obtain credit also my information was fraudulently used to provide data without my knowledge or consent XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: LEXISNEXIS
State: IL

Complaint narrative:
Lexis Nexis, and XXXX have all reported a bankruptcy that was not reported to them the account is not accurate under 15 USC 1681e ( b ) the furnish name is US Bankruptcy Court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
XXXX XXXX XXXX Attention : Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXXade on : XX/XX/XXXX Made with : Transunion Made by : XXXX DC XXXX on : XX/XX/XXXX Made with : Transunion Made XXXX : XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX Made on : XX/XX/XXXX Made XXXX XXXX Transunion Made by : XXXX XXXX XXXX on : XX/XX/XXXX Made with : Transunion

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 2022-03-29 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: MD

Complaint narrative:
I am a victim of identity theft. I have asked for the items to be removed to correct my report. I have already reported the identity theft to the Federal Trade Commissions and can provide documentation supporting the Federal Trade Commission 's affidavit.

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 2022-03-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a letter earlier this month asking Equifax to update my personal information, I sent in all the documents they requested to verify it was me on XX/XX/XXXX, XXXX XXXX. I checked my credit report to today and to my surprise, they are still reporting incorrect information even though I asked them to update my records, this is becoming frustrating because i wan na move forward but this company is making it very difficult. I sent a copy of my I.D, SSN card and A piece of mail with my information matching the Address on the I.D . Letter is dated XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The complaint is about an unauthorized wire transfer from my checking account at Citibank that went through. 

- on XX/XX/22, I received an email stating that I added a payee to my list of payees on my accounts at Citibank. Then it was followed by several emails stating that wire transfers have be submitted to that payee from my checking account. One of the wire transfers of {$7500.00} was approved. Other wire transfers of {$50000.00}, {$14000.00} and {$7500.00} were cancelled by the bank. These were from my checking account ending in XXXX. ( now deactivated ) - Once I saw the emails, I immediately called the bank. While I was waiting to get hold of someone, Citibank also was trying to call me. So finally I was able to speak with the bank and confirmed the fraud. They told me that one of the transfers went through and the amount was {$7500.00}. I was told that I need to complete and submit an Affidavit of unauthorized wire transfer/ - The name of person who hacked the account is XXXX XXXX XXXX The money was wired to a XXXX XXXX account ending in XXXX. 
- The Affidavit was sent and received on XX/XX/22. I was given a case number : XXXX - on XX/XX/22 Citibank informed XXXX bank of the fraud - XXXX XX/XX/22 Citibank received a message from XXXX XXXX confirming that the money was credited to the hacker - on XX/XX/22 XXXX XXXX stated the hacker 's account is closed and the money could be accessed or retrieved and they are unable to return the money to Citibank. 

During all that time, I have been in contact with Citibank nearly on a weekly basis, checking the status of the investigation and why it is taking so long and why I haven't gotten my money back. The only answers I get is that it takes 30 to 60 days to complete the investigation and at the end of 60 days I will receive a letter about the results of the investigation. They never would tell me if they will credit back the money or not. 
- last call made to Citibank was on XX/XX/22 after more than 60 days have passed. I was given a new case # XXXX which was apparently created on XX/XX/22. I was told that the investigation is still ongoing and they have no updates. I was told that there is a delay but they could not tell me the reason of the delay. When I asked for a timeline to finalized the investigation ( since they exceeded the 60 days period ), they were not able to give me one. 
- Here I am, now 70 days after the initial fraud, without any answer from Citibank and without the stolen money credited back at least temporarily.

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 2022-03-29 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NCD Financial, LLC
State: GA

Complaint narrative:
I been watching my credit report and my score inaccurate because my fico score showing XXXX XXXX but every site I got to credit karma or anybody its a lower score. And a bankruptcy is on my credit not suppose to be there at all.My XXXX not showing no Bankruptcy at all but XXXX and XXXX showing it with different inaccuracies information Im not familiar with and do not know of. I even have hard inquiries I did not do. Someone has stole my information a few years ago. And I file a police report and Im still going through a lot with some credit bureaus lying on me and showing inaccurate credit report. All three credit bureaus trying to ruined my life. I cant get anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Im contacting cfpb be because transunion is committing fraud, by putting a debt on my credit report thats not supposed to be there period and I sent in the documents to prove it and yes transunion removed it with the help of cfpb the first time. About two or three months ago they put it back it but it was XXXX I did try to dispute it, I called customer service reps refused to let me talk to higher management, but I had so much other stuff going on I just let it be. If u notice for them to put that 3 million on my credit report the had to rearrange the date to XXXX. This was done on purpose. And it also involved discrimination on the basis of XXXX of skin, and they think im illiterate. This is definitely a crime.

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 2022-03-29 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:
To Whom It May Concern : I am writing to inform you that these hard inquiries were not authorized by me and I wish to have them DELETED. Some person or persons within your consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX. Since I never gave permission for anyone to inquire about my Credit Status, they are unauthorized. Furthermore, their continued existence on my Credit Report represents inaccurate information, which under the Fair Credit Reporting Act, must be removed. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX As I am sure you are aware, Section 1681 ( r ) of the FCRA prohibits such acts and provides for the following sanctions : Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency 's files to a person not authorized to receive that information shall be fined under title 18, United States Code , imprisoned for not more than 2 years, or both. This letter shall further serve as demand that your agency thoroughly investigate this matter and provide me the result of your investigation forthwith. Moreover, I expect your agency to immediately cease all such communications to unauthorized third parties. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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:
After analyzing my credit report, I discovered the following information, which makes me even more angry. I never gave your company the opportunity to report abusive actions against me under the Fair Debt Collection Practices Act ( 15 USC Section 1692 ). I was subjected to a breach of my privacy.

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 2022-03-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
on XX/XX/XXXX I sent a dispuite to Equifax about the following accounts : XXXX ) XXXX XXXX XXXX, which you claim I owe {$9100.00}. 
XXXX ) XXXX XXXX XXXX XXXX {$30000.00} DATA OPENED XX/XX/XXXX XXXX ) XXXX XXXX. XXXX. {$1300.00} DATA OPENED. XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX ) XXXX XXXX ) XXXX XXXX, BEST B It's been 45 days since I sent this dispute and they have not answer as they are required by the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am a victim of identity theft and I am unsure of this company but Ive never given permission to be contacted by them. They are harassing me with early morning and late evening calls. Constantly daily multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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:
XXXX XXXX, and Experian have all reported a bankruptcy that was not reported to them the account is not accurate under 15 USC 1681e ( b ) the furnish name is US Bankruptcy Court

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 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have 2 pending complaints with Truist Bank This evening around XXXX, I received 2 calls from Truist 's complaint resolution team from ( XXXX ) XXXX. I answered the calls promptly and was " HUNG UP '' on both times. I returned the calls and they close at XXXX. As a client, the bank is almost impossible to speak with about issues. 

Also, I rec 'd a check via XXXX from Truist today and PROMPTLY brought it to the bank. I had the branch apply the full amount to the mortgage. 

XXXX ) There was a payoff quote in the XXXX envelope that said I requested a payoff. This is not true. 
XXXX ) The letter noted a payoff the exceeds the returned check by roughly {$700.00}. Does Truist Bank normally return principle payments that are sourced from Checking transfers. The letter notes that the payment needs to be in a certified letter or wire transfer. 
XXXX ) Does Truist Bank allow clients to payoff their loans in the normal course of business? The letter from Truist stated that payoffs need to be in the exact amount of the payoff. That is an odd request given that it assumes that all payments on a 30 year fixed do not include any principle reduction payments. 
XXXX ) The payoff statement today indicated a fee for " recording ''. I assume this is to record a lien satisfaction. This fee appears to be a truth-in-lending violation as it was not noted on the initial GFE or TILA Disclosure. In today 's world, I suspect that this would not show-up on either the LE or CD. Random Fees that are known should be disclosed. 

Making principle reduction payments to a mortgage should NOT create this level of emotional distress. I am disgusted.

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 2022-03-29 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: MD

Complaint narrative:
I am a victim of identity theft. I have asked for the items to be removed to correct my report. I have already reported the identity theft to the Federal Trade Commissions and can provide documentation supporting the Federal Trade Commission 's affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: MD

Complaint narrative:
I am a victim of identity theft. I have asked for the items to be removed to correct my report. I have already reported the identity theft to the Federal Trade Commissions and can provide documentation supporting the Federal Trade Commission 's affidavit.

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