vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 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: FL

Complaint narrative:
The following inquiries in all credit bureaus are unauthorized and I have tried multiple times to resolve this issue without any positive outcome I have had my credit account frozen, filed a police report and communicated with all three bureaus fraud department XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And XXXX  XXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1000.00} are fraudulent accounts. My previous address was XXXX XXXX XXXX XXXX  XXXX, Fl XXXX I moved on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX, Fl XXXX. Thank you

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 2022-10-13 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:
The following inquiries in all credit bureaus are unauthorized and I have tried multiple times to resolve this issue without any positive outcome I have had my credit account frozen, filed a police report and communicated with all three bureaus fraud department XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And XXXX XXXX  XX/XX/XXXX {$460.00} XXXX XXXX XXXXl XXXX XX/XX/XXXX {$1000.00} are fraudulent accounts. My previous address was XXXX XXXX XXXX XXXX  XXXX, Fl XXXX I moved on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX, Fl XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: AR

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 confidentially under 15 USC 1681. 
** XXXXXXXX XXXX XXXXXXXX Acct # XXXX ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX Acct # XXXX ... 

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

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

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 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 2022-10-13 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: NC

Complaint narrative:
My personal information was stolen in XXXX out my car. My car was broken into 1st in XXXX,2ndXXXX North Carolina . I have sent a copy of my police report to XXXX XXXX, XXXX and Experian with a copy of my licenses and proof of address. I was recently checking my credit report since I just recently got back from XXXX I am XXXX XXXX military soon to be a veteran. I have noticed opened accounts that are fraudulent because I didn't open them that are on my credit report.. Also there are fraudulent addresses ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NC XXXX XXXX being reported and incorrect names that I do not recognize and believe to be fraudulent. This is a list of the accounts that were opened fraudulently in my name XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.. Please delete all Fraudulent information 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 2022-10-13 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: CBC Companies, Inc.
State: NC

Complaint narrative:
My personal information was stolen in XXXX out my car. My car was broken into 1st in XXXX,2ndXXXX North Carolina . I have sent a copy of my police report to XXXX XXXX, XXXX and XXXX with a copy of my licenses and proof of address. I was recently checking my credit report since I just recently got back from XXXX I am XXXX XXXX military soon to be a veteran. I have noticed opened accounts that are fraudulent because I didn't open them that are on my credit report.. Also there are fraudulent addresses ( XXXX XXXX XXXXXXXX XXXX  XXXX XXXX NC XXXX XXXX being reported and incorrect names that I do not recognize and believe to be fraudulent. This is a list of the accounts that were opened fraudulently in my name XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.. Please delete all Fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: AZ

Complaint narrative:
I have been disputing unverified, fraudulent and non consented information reporting on my consumer reports dating back to 2018. I have been a victim of identity theft. I have sent over 7 correspondence to all three major consumer reporting agencies requesting validation of debt, correcting name, address, and phone number along with requesting the removal any fraudulent accounts, inquiries, names, addresses, and/or phone numbers showing on my consumer reports that are not valid with minimal corrections. The companies XXXX, XXXX and XXXX were all asked to provide proof being a contract/agreement validating any disputed items on my consumer report and I have yet to receive anything but its verified. Someone needs to be held accountable for the fraud taking place including but not limited to the use of my Trademarked name XXXX registration # XXXX and restitution should be made by any company or individual without my consent or a valid contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Contacted Agent on XXXX only gave confirmation # XXXX Credit Report has multiple accounts reporting adverse ; however when I call agent can't find accounts listed nor has she been able to remove those acounts. File # XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Contacted Agent on XXXX only gave confirmation # XXXX Credit Report has multiple accounts reporting adverse ; however when I call agent can't find accounts listed nor has she been able to remove those acounts. File # XXXX XX/XX/2022.

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 2022-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: MI

Complaint narrative:
The issue is with XXXX. Ive made many calls and disputes to remove a collection account in the name of Receivable Management LLC. I have paid this account in full. Both me and the creditor from Receivable Management have made an agreement to request for XXXX that the account be deleted, yet after these attempts the account remains on my report. I have supporting documentation of the agreement via email. Im trying to clean my credit up and this is hindering it.

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 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Deposited {$5000.00} into new checking account approx 2 years ago. No activity with the account until XX/XX/22 when I contacted customer service to make sure the check I was writing would not bounce because of the inactivity. They told me my account was restricted. I was on the phone on XX/XX/22 for 1 hour and 20 minutes trying to get the account unrestricted to no avail. On XX/XX/22 I made and received 4 calls for a total of 58 minutes when I was finally told the account was unrestricted and I also sent by XXXX an additional {$3000.00} to this account so I didn't go below the minimum to avoid fees. The check I wrote was for {$2000.00} as earnest money for a real estate transaction and I was informed that the check bounced. On XX/XX/22 I spent another 40 minutes trying to find out why they bounced the check and again no real answer but I was finally told the account was unrestricted. However, on XX/XX/22 I tried to send money through XXXX and the transaction was rejected by Citibank for no reason. There are no physical branches in Michigan where I can try to get help. Each time I call the customer service they just say they are checking, sorry for the wait, please hold for a few more minutes, and they they come back and repeat this same sequence. I am pretty sure I am not talking to anyone in the U.S. and I wonder if any of this is legitimate. I want my money NOW and want my account closed because I will never do business with Citibank again.

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 2022-10-13 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX is saying I opened a gym membership with XXXX XXXX in XX/XX/XXXX and did not pay for said membership and this is incorrect. I never opened a gym membership in XXXX or XXXX and they are failing to provide said gym contract or any documentation signed by me. In accordance to the Fair Credit Report act convergent this account violated my rights 15 U.S.C 1681 Section A states I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ALLY FINANCIAL INC.
State: HI

Complaint narrative:
First off, let me say that Ally has been very accommodating in not taking any action against me while I've tried to work things out with them. 

The reason for the complaint is because Ally is not yet participating in the HAF program in Hawaii, and while it is voluntary on their part, there is no downside to their participation. The Treasury Departments Homeowner 's section regarding the HAF program provided a link to complain if you've been awarded a HAF Grant but your lender is not participating. 

Many months ago I was approved for a HAF grant in Hawaii, but as noted Ally ( and their servicer Ally/XXXX ) are still not participating in the HAF program in Hawaii. Fortunately, they have not turned down participating, but it would help me immensely personally, and I am sure it would help many others if they could make the decision to now participate. 

In speaking with their ( very friendly ) customer service representatives, I can tell you that there has been confusion on how the HAF program works in Hawaii. I've wondered if this may be part of the reason for the delay. 

They've told me things like the grant would have to be repaid ( which is not the case in Hawaii ), that Hawaii would put a lien on my property ( again, not the case ) and they said that I could not be in a Loss Mitigation process and also utilize a HAF grant ( which, from my reading of the HAF term sheet for Hawaii is the opposite of how the program is supposed to work ). 

At this point, I went through a Loss Mitigation process with Ally and was ultimately turned down ( after months and months of submitting and resubmitting the same documentation ). 

I am looking to refinance my home through a private lender. While not ideal, especially under the current interest rates, it may be my best option for addressing my arrears. If Ally were to participate in the HAF program now, I could reduce my principal and make the amount I borrow less costly to me. 

Since HAF is a voluntary process, issuing a complaint seems out of place, but I am following the process offered and perhaps this is all just due to a mistake of not understanding how the program works in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: AR

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 confidentially under 15 USC 1681. 
*XXXX XXXX XXXX XXXX  Acct # XXXX ** XXXX XXXX XXXX XXXX # XXXX ** XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX Acct # XXXX ... 

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

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

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 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 2022-10-13 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: AR

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 confidentially under 15 USC 1681. 
** XXXXXXXX XXXX  XXXX Acct # XXXX ** XXXXXXXX XXXX XXXX Acct # XXXX ** XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX Acct # XXXX ... 

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

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

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I filed unauthorized transactions after I lost my card representatives are rude on the phone or dismissive when I ask for a provisional credit. I want this handled efficiently please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Self Financial Inc.
State: FL

Complaint narrative:
I received a notification from XXXX XXXX on XX/XX/22 stating I had a bank credit card for {$530.00} from XXXX XXXX XXXX. ( XXXX XXXX ). I have no idea what this was, I have never dealt with this Bank, and I did not open a credit card. Someone has opened a card in my name. I have no idea what the credit card number is, when trying to contact customer service of the bank they could not give me any information XXXX Maiden name XXXX XXXX married XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
Acct # XXXX reporting incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
On XX/XX/XXXX I contacted Ed Financial to receive a refund for the payments made during pandemic period started in XX/XX/XXXX through today. Total should be roughly {$2800.00}. I was told I would receive notification once its complete. I have yet to receive any correspondence that this is in process, request received, or completed. I called again to ask about timeframes and they informed us there is no information that can be shared and it can take almost 6 months to complete. As I plan to apply for student loan forgiveness, 6 months seems way too long. I would like to file a complaint because I feel completely left in the dark. There is no trace other than my call log that I have requested this refund and no glimmer of expectations received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I filed a complaint with the CFPB on XX/XX/XXXX, complaint XXXX. The lender responded with mortgage documents from the origination of the mortgage. Upon conducting our own research we found a modification recorded with official records XX/XX/XXXX. The modification gives a fixed rate of XXXX XXXX We would like clarification that in a subsequent modification review, the loan reverts to the origination paperwork and not the modified paperwork. We have attached the modification for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Someone stole my identity and used it I did not give anyone authorization to use any of my information can you please help

Company response to consumer: Closed with explanation