vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX, I received my first payroll direct deposit into my Citi Bank XXXX  Checking Account. When I attempted to transfer funds to another account, the transfer was blocked, and my account was flagged for fraud. 

I immediately contacted Citi Banks fraud department. After a prolonged wait, I spoke to a representative who asked me to verify my identity using my phone number. I provided my phone number, which I have held for over a decade on a XXXX  postpaid plan. This phone number is registered with Citi Bank and is also used for multi-factor identification on the account. It is my primary contact number with all major credit bureaus ( XXXX, XXXX, and XXXX ) and is registered with XXXX, XXXX XXXX XXXX, XXXX, and XXXX. Despite this, I was told Citi Bank couldnt verify my identity via this phone number and that I would need to wait XXXX business days for a letter by mail to proceed. 

After this call, I withdrew {$600.00} from an ATM with my account debit card. 

The next day, XXXX, I received an email from Citi Bank indicating that my ATM/debit card had been flagged for potential fraud. The email also stated Citi Bank was " unable to contact me, '' yet I had received no calls, voicemails, or texts from them. Once again, I spent a significant amount of time on the phone with their fraud department, only to be told that Citi Bank still could not verify my identity using my phone number. My only option, I was told, was to wait another XXXX business days for another letter. 

Additionally, Citi Bank has reduced my daily ATM withdrawal limit to {$200.00} per day without providing an explanation. And as of today, I am also unable to access my account online, which restricts me from monitoring my balance or viewing any transactions. 

I asked the representatives to clarify which service or system they were using to verify my phone number so that I could proactively address the issue. They refused to provide this information, making it impossible for me to rectify the problem with their flawed verification system. 

Due to these restrictions, I currently can not access my paycheck and am unable to pay my rent. The repeated delays, lack of alternative verification options, and complete lack of online access to my account have caused me serious financial distress.

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 2024-11-02 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: NC

Complaint narrative:
I am contacting you as a victim of a data breach in which my personal information was compromised. As a result, fraudulent accounts have appeared on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and deletion of these unauthorized accounts. 
Fraudulent Accounts 1. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} 2. XXXX XXXX - Account Number : XXXX  - Date Opened : XX/XX/XXXX - Balance : {$52.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ive disputed these same items with this agency before but they are not complying with the FCRA

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 2024-11-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, Complaint ID XXXX, XXXX XXXX Theycan stop/cancel the foreclosure sale/foreclosure auctionanytime they want.and They can dismiss the case like XXXX XXXX 

XXXX their UNLAWFUL loan documents and their UNLAWFUL Act.

Primary Residence Property Address : XXXX XXXX XXXX, XXXX, MD XXXX XXXX. The loan documents include the compound interest for 11 months and about {$100000.00} construction hold put that into the interest.Those violate the law.There are Rules and Regulations for those lending violations. 
XXXX. Appraisal Unlawful Act : Not only intentionally alter the Appraisal Value in the Loan documents and knowit and refuse to provide the Original Appraisal Report for the loan documents.Also come up with another Appraisal which tries to stage the amount closer to the amount in the loan documents and the value is outrageously low. 
XXXX. There is no more loan extension with XXXX XXXX XXXXXXXX after last XXXX that document, there is NO loan document modification or NO forbearanceor NO loan extension I signed .If there is such a document, and asking and sending the statements for the unsigned payment agreement, That document would be FOGERY and UNLAWFUL statements. 
4.When there was a mediation in XX/XX/2024, XXXX XXXX XXXX XXXXXXXX XXXX came to the mediation. He said they will consider to provide for XXXX years mortgage loan. That guy is nowhere to be found.They asked me to send the financial documents to their attorney like tax returns and many financial documents since XXXX until XXXX. 
They did that intentionallytrying to take advantage of the financial information and documents. 

XXXX. Before I took the XXXXXXXX XXXX XXXX, there was already so much Equity in the House. The Appraisal report value from XXXX XXXX XXXX  is XXXX  XXXXThose are my Labor.My Labor as a XXXX XXXX in all loan documents and Labor Theft is Unlawful. 
XXXX. When I emailed XXXX XXXX and XXXX, they find the mistakes and try to fix it and dismiss the case last year. 
But when some companies intentionally, premeditated, commit UNLAWFUL acts, it has to be corrected. 

XXXX. Many Reputable Banks and Many Reputable Lenders and Many Reputable Companies in the U.S, when theyrecognize they find mistakes or Errors, they willingly correct it and take the responsibility.They have High Moral standards. 
They do Not try to stage or fabricate the documents or the scenes or do Not alter /forge the documents and deny. 
That is why Top of the Top Countries in the World and Everyone 's dream. 
Please take actionagainst Unlawful Lending acts and Please Protect the Homeowners. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 2024-11-02 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: NY

Complaint narrative:
I am writing to formally lodge a complaint regarding Equifaxs refusal to grant me access to my personal credit report, as required by federal law, despite my provision of a valid government-issued photo ID and Social Security card for identity verification purposes. This denial not only hinders my consumer rights but also potentially violates several key federal laws. 

1. Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., Under the FCRA, consumers are legally entitled to obtain a free annual credit report from each of the three credit reporting agencies ( CRAs ), including Equifax. This right is outlined in Section 612 ( a ) of the FCRA, which mandates that every CRA provide a free copy of the consumers file upon request, subject only to identity verification requirements. Despite my submission of legitimate identification documents, Equifax has failed to provide my credit report, effectively obstructing my lawful right to review my financial information. 

2. Breach of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5481 et seq., The CFPA prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ) by financial institutions and credit reporting agencies. Equifaxs refusal to honor my request and failure to provide a valid reason for the denial constitutes an unfair practice, especially since I have met all reasonable identification verification requirements. This denial limits my ability to manage, monitor, and safeguard my financial health and data security. 

3. Unfair Practices under the Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45 ( a ), The FTCA also prohibits unfair or deceptive acts or practices affecting commerce. By blocking access to my credit report despite adequate identification, Equifax has engaged in actions that unreasonably deny me access to information that could impact my financial decision-making.

Immediate Action Requested, I respectfully request that Equifax immediately comply with federal laws and fulfill my request to access my credit file. I also request that the CFPB investigate this matter to prevent further infringements on consumer rights. If Equifax continues to obstruct my access to my credit file, I am prepared to escalate this matter, including filing complaints with the Federal Trade Commission ( FTC ) and potentially seeking further legal recourse to safeguard my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Block, Inc.
State: MA

Complaint narrative:
On XX/XX/year> I received a Cash App Credit Card in the mail. I don't use Cash App and I did not apply for this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I went in to TitleMax in the XXXX Georgia location to get a loan of {$2200.00} after she transferred the money into the titleMax Customer Service worker said that there was a {$1400.00} credit balance and I said why didnt you tell me that in the beginning I wouldve asked for her to deposit {$3600.00} instead of XXXX. Then when I went to take out the remaining XXXX online, it wouldnt let me it told me that I had to make a payment before I could receive the remaining {$1400.00} in my account or any money for that matter I couldnt make a payment due to hardship and Titlemax took my vehicle from a parking lot while I was inside the store I came outside. My car was gone. I had to reclaim my vehicle at XXXX insurance auction off of XXXX XXXX in XXXX Georgia. I paid XXXX insurance auction {$1000.00}. I then reclaim my vehicle months later again still having hardship. I was inside of a store came out to get into my vehicle and TitleMax had taken my car again. Left me stranded and now says that I owe the full payoff amount of {$2800.00} and they repossessed my vehicle refused to give it back. They wouldnt take it off of the forklift and I am stranded without a vehicle. TitleMax called me every single day and harassed me about the payment. There were XXXX workers or XXXX or XXXX workers in that store located in XXXX Georgia off of Highway XXXX on or in between XXXX XXXX XXXX and XXXX XXXX XXXX again they called and harassed me every single day for payment. age XXXX female living in XXXX, Georgia XXXX XXXX, Georgia, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.

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 2024-11-02 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: NC

Complaint narrative:
Hello All, These hard inquiries are fraudulent and doesn't belong to me and need to be removed. Please see the following : 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 XXXXXX/XX/XXXX Thank you, Best Regards 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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello All, These hard inquiries are fraudulent and doesn't belong to me and need to be removed. Please see the following : 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  Thank you, Best Regards 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 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: NJ

Complaint narrative:
I am existing customer of XXXX XXXX since XXXX with a savings account, and before that I was a customer of TexasCapitalXXXX before they shut that down and I moved my money to XXXX. 
Recently, I tried to open a XXXX  Checking account and my application was denied because I cant provide a copy of a XXXX ID. I am in XXXX legally and opened all my previous XXXX accounts with no issue at all. I am willing to provide them all the documents that XXXX requires me to provide to get a state ID including my current utility bill and bank statements that show my current address and my XXXX passport and also documents that show that I am here legally. I can go get a state ID from a dmv but that has to be renewed every XXXX years and is a pain. And it is not that they are closing my existing savings account because I dont have a XXXX ID. You are allowed to have bank accounts without having a XXXX ID, it is just a new onerous requirement being imposed by their new system. 

I am humbly requesting Bask to pleas reconsider my checking account application. 
thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: NC

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, and XXXX XXXX XXXX XXXX have violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Also according to 15 USC 1681s-2, they are not supposed to 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 2024-11-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items to ensure receive here are the items I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief