vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXXXXXX Account name XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: NJ

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: NJ

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I called the customer service phone number for XXXX XXXX to request a refund for services, but unfortunately the number connected me to a scammer. The scammer tricked me into believing they had deposited excess money ( by transferring money from my savings to checking without my knowledge ) in my checking account which I then had to return to them by wire. They stated to return it to a person associated with XXXX as they could not give me the XXXX account information. 

I realized what had happened within XXXX hours and called M & T to discuss the issue. The fraud investigation I initiated provided little information and I was told to get subpoenas from the police ( in process ) for additional information ( such as the timing of the movement of the money ). No written fraud report was provided to me, but the sheriffs detective did report some details verbally ( see attached document ). 

I also provided M & T a letter ( on the advice of the detective ) documenting why I did not feel they performed their due diligence at the time of the wire transfer and the text of this letter is attached under documents. I have not yet had a reply to this letter, though my contact by phone is the M & T Employee XXXX at XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
Urgent Refund Needed for Overcharged Lenders-Placed Insurance - Loan # XXXX I am writing to report a significant overcharge issue on my account ( Loan # XXXX ) with Fay Servicing . The excessive amount of {$18000.00} has been charged for lenders-placed insurance. The breakdown is as follows : - XX/XX/XXXX : {$6900.00} for lenders-placed insurance. 
- XX/XX/XXXX : {$7200.00} for lenders-placed insurance. 
- XX/XX/XXXX : {$4200.00} for lenders-placed insurance. 
- XX/XX/XXXX : {$27.00} for lenders-placed insurance. 
- XX/XX/XXXX : {$280.00} for lenders-placed insurance. 

During this period, I had my own insurance in place, making these additional charges unjustifiable. Despite my attempts to resolve this issue, Fay Servicing has been unresponsive and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I attempted to pre-qualify for a credit card with XXXX XXXX XXXX XXXX secured credit card I was informed that there is suspicious and fraud associated with my personal information with identity theft issues names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Missouri XXXX phone # ( XXXX ) XXXX XXXX XXXX XXXX email 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 explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
I attempted to pre-qualify for a credit card with XXXX XXXX XXXX XXXX  secured credit card I was informed that there is suspicious and fraud associated with my personal information with identity theft issues names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Missouri XXXX phone # ( XXXX ) XXXX XXXX XXXX XXXX  email XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I attempted to pre-qualify for a credit card with XXXX XXXX XXXX XXXX  secured credit card I was informed that there is suspicious and fraud associated with my personal information with identity theft issues names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Missouri XXXX phone # ( XXXX ) XXXX XXXX XXXX XXXX  email 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 explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: AZ

Complaint narrative:
About XXXX Weeks ago, Laurel Road/Keybank closed my account for what they decided was fraduluant activity. I had recently been sending money to my Laurel Road account because of the high savings rate at 5.25 %. However, I recently decided to send some of the money I had sent to Laurel Road to another institution known as XXXX. Laurel Road decided the account I sent to at XXXX was a closed account and this was fradulant. Now keep in mind the XXXX account is not closed and Laural Road/Keybank do not verify linked accounts with micro-deposits or XXXX. Now, they've shutdown my account and denied me access to my account. They say their investigation is still on going. I don't care about the account, I just want my money. I have a record of every single deposit that went into that account and I want my money returned and I don't see how a bank should be allowed to make up fraud and then deny a customer access to their own money indefinetly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: FL

Complaint narrative:
Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions.

15 usc 1666b- Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 usc 1681a Definitions ; rules of constructions ( 2 ) ExclusionsExcept as provide in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making 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 explanation
Consumer complaint received 2023-11-08 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: FL

Complaint narrative:
Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions.

15 usc 1666b- Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 usc 1681a Definitions ; rules of constructions ( 2 ) ExclusionsExcept as provide in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions.

15 usc 1666b- Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 usc 1681a Definitions ; rules of constructions ( 2 ) ExclusionsExcept as provide in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making 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 explanation
Consumer complaint received 2023-11-08 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding my inability to access my credit report through the major credit reporting agencies, XXXX and Equifax. I have encountered persistent issues with accessing my credit report, which has caused significant inconvenience and financial loss. 

My attempts to access my credit report are as follows : In XXXX, I attempted to access my credit report through XXXX XXXX three-credit report subscription service. To my dismay, I received a notification from XXXX stating that they were unable to access my file. 
Subsequently, on XX/XX/2023, I made another attempt to obtain my credit report through Equifax, and I encountered the same problem. Despite my efforts, I could not access my credit report through their platform. 
In response to these ongoing issues, I contacted Equifax on XX/XX/2023, to inform them of the persistent problem I was facing in accessing my credit report. 
Regrettably, it is now XX/XX/2023, and I am still unable to access my credit report through these credit reporting agencies. This prolonged inability to access my credit report has not only caused me undue stress and inconvenience but has also resulted in a financial loss of {$29.00} for the past XXXX months, during which I paid for a service I have been unable to use. 

I am deeply concerned about the impact these issues may have on my financial well-being, as I rely on timely access to my credit report to monitor my credit history and make informed financial decisions. I kindly request that you investigate this matter and work to ensure that I can promptly access my credit report as required by law.

Your assistance in resolving this matter is greatly appreciated, as it has the potential to affect my financial stability and creditworthiness. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax Hard Inquiries that was not authorize or verified by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX, from XXXX I temporarily lifted freezes at Equifax, XXXX and XXXX. Because I was able to open the new account soon after, I thought it would be best to re-freeze all three. I had no trouble logging on and placing immediate freezes on the XXXX and XXXX websites, but there was no option to do so on the Equifax site. 

Because I learned in XX/XX/XXXX that my ID had been stolen, probably a result of the Equifax breach, I keep it frozen whenever possible. When I called Equifax today to ask why I could not end the temporary freeze early, and freeze again, the rep took all my personal info, had me answer security questions and then told me it would take XXXX business day before my account could be frozen again. When I asked to speak with a supervisor, I was placed on hold for XXXX minutes before being disconnected. I have to assume that the only reason Equifax can not allow consumers to immediately refreeze is that they are involved in some ID theft ring and I hope the FBI is investigating!! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XX/XX/17 XXXX XXXX - XX/XX/17 NQUIRIES NOT RECOGNIZED XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XX/XX/17 XXXX XXXX - XX/XX/17 NQUIRIES NOT RECOGNIZED XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
A collection agency by the name of Sequium Asset Solutions out of Georgia, called My XXXX XXXX XXXX work cell phone, I gave verbal permission to speak to my Case XXXX, the ageny representative XXXX XXXX, informed me that they received the account on XXXX XXXX XXXX First, he identified himself as collecting for XXXX XXXX, then he said it was XXXX I am formerly homeless, in low income subsidy housing and there was a deal that XXXX was giving to all the clients on site, XXXX received the equipment back, which should have been XXXX removed off the bill. Secondly, XXXX never notified me via email or mail that my bill was past due, nor that it was being sent to collections, NOR did i receive any sort of electronic or mail from the collection agency about the validation notice and was never given the 30 days i have to dispute the debt. 
According to FDCPA section 809 ( validtation of debt ) this was a violation because I never received the validation notice via email or via mail, and never notified that my bill was in collections, I am being charged for equipment never recived & it was never hooked up and was never informed that i had a past due until now and alledgely the bill went past due in XXXX

Company response to consumer: Closed with explanation