vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-17 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX - XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I submitted the files requested by Experian by mail and fax to dispute the inaccurate reporting they continuously allow. An FTC report was submitted, a 609 dispute letter was submitted, as well as a verification of investigation dispute. According to the Fair Credit Reporting Act, federal law gives ( 30 ) thirty days to re-investigate and delete any inaccurate or unverifiable information. Experian has exceeded the allotted time to handle this inaccurate reporting and hasn't handled the manner in a professional or legal manner.

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 2022-04-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is ineffective

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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 XXXX  Account 1.XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

2.XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3.XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4.XXXX XXXXXXXX Account Number : XXXX Please remove it

from my credit report. 5 .XXXX Account Number : XXXX Please remove it from my credit report 6.XXXX Account Number : XXXX Please remove it from my credit report.

has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17 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 XXXX  Account 1.XXXX XXXX Account Number : XXXX Please remove it from my credit report.

2.XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
3XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

4.XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5.XXXX Account Number : XXXX Please remove it from my credit report 6XXXX Account Number : XXXX Please remove it from my credit report.

has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: MD

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXXXXXX XXXX XXXX Acc # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States l 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 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 2022-04-17 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: FL

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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a accountwithout my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: TN

Complaint narrative:
I HAVE TRIED TO HAVE THE CREDIT BUREAUS REMOVE THE NEGATIVE ITEMS BUT THEY WILL NOT EVEN WITH THE POLICE REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 1.XXXX XXXX Account Number : XXXX 2.XXXX XXXX XXXX Account Number : XXXX 3.XXXX Account Number : XXXX 4.XXXX Account Number : XXXX 5.XXXXXXXX XXXXXXXX  Account Number : XXXX 6XXXX XXXX Account Number : XXXX 7.XXXX XXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17 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: NY

Complaint narrative:
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: NY

Complaint narrative:
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved 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 non-monetary relief
Consumer complaint received 2022-04-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved 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 2022-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: MS

Complaint narrative:
I honestly dont even know where to begin with these people. They were so incompetent and unhelpful through the process it made the whole experience a living nightmare for me and my family. They were not open or up front about anything, they changed what was expected so many times I lost count. Could not provide me any clear answers to any questions along the way, did want to do their job because they stated they werent getting paid enough. I didnt have even a single day where I can say it was a good experience. And if everything they did was even legal, Ill be shocked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: CA

Complaint narrative:
With reference to the Fair Credit Reporting act, The following companies/account holders have violated my rights. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX/ XXXXXXXX XXXX # XXXX XXXX XXXX # 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 # 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 : 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 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account was NOT mine. I filed a FTC report pertaining to this account and the illegal use of my information and afterwards it was removed from all of my Credit Reports including this TransUnion Report. Some how this account was added back to just TransUnion. This is a violation of Federal law and unacceptable that I am being violated in such a way. I will include my Identification Card baring my current address and my social security card both for proof of identity and my current I.D card is proof of my address as well because I don't have any bills or statements in my name my Identification card will have to suffice.

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 2022-04-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved 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 non-monetary relief
Consumer complaint received 2022-04-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
THIS DEBT COLLECTOR IS ADVERTISING TO COERCE PAYMENT OF DEBT WHICH IS ILLEGAL. THE AMOUNT OF ALLEGED DEBT IS IN A POSITIVE STATE. THIS WAS A CONSUMER CREDIT TRANSACTION AND NO FINANCE CHARGES WAS INVOLVED. THEIR LETTER DOES NOT DISCLOSE THAT THEY ARE A DEBT COLLECTOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received an email notification from a local bank about a new account that had been opened in my name. Then i got an email saying that the email address had been changed. I went to the bank that same day to resolve this issue. The account was in my name with the correct address, XXXX and email - the impersonator had used a fake DL with an incorrect DL #, and they changed the email to one that was impersonating me. The account was suspended that day.

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 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
Lexis Nexis has a fraud alert that is causing me problems with credit, lending and identity. I have never had an issue with identity. They have yet to remove it. I've gone through Identify me to establish my proof. At this point it is overwhelming, menacing and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17 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: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: ADP Inc.
State: GA

Complaint narrative:
My card has been locked since About XX/XX/XXXX they told me to send in documentation to get my account unlocked 2 weeks go by and my card is still locked then I get paid from my job and I go to use my money which is when I realized my card was locked still after 2 weeks of sending my documents in so I call and they said something about incorrect information was told to them and I needed further verification I sent in the further verification they asked for and theyre site says 2-3 days another 2 days go by my card is still locked now I have no way to work no way to eat no way to feed my dog or handle my business it is only XXXX in my account so when I seen it was still locked after the second time of me calling I called back and let them know I keep calling sending in verification and my card is still locked the website says 2-3 days its going on 3 weeks and some days and my card is still locked with my money in my account I called asked to transfer my money out and close the account because at this point customer service is horrible and this isnt the first time this has happened so I explain whats going on to there employee she puts me on hold several times just to come back on the phone and state theres nothing I can do but wait or send in more documents this time they asked for school verification so I sent it in again another 3 days go by I have my mother and father card they put them on hold and disconnected the line so I call again explain the situation and the lady gets very rude and nasty and hangs up in my face when I asked for supervisor and told me stop calling so I gave it a hour and called again to speak to someone new and this time she told me she will unlock my card once we hung up I checked my account and its still locked I am now very frustrated my direct deposit from work is now on hold because I explained to them that my money is just sitting in there so I dont wan na deposit any more I work a hour away and borrowing money from family friends and spending XXXX $ a day on XXXX and XXXX because I dont have the money out my account to get my car fixed to make it to work I have been asking people for money to eat because they will not unlock my account its been 3 weeks and some days my account should not be locked and I sent in my birth certificate social school report card and more. Its a huge inconvenience

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
THIS DEBT COLLECTOR IS ADVERTISING TO COERCE PAYMENT OF DEBT WHICH IS ILLEGAL. THE AMOUNT OF ALLEGED DEBT IS IN A POSITIVE STATE. THIS WAS A CONSUMER CREDIT TRANSACTION AND NO FINANCE CHARGES WAS INVOLVED. THEIR LETTER DOES NOT DISCLOSE THAT THEY ARE A DEBT COLLECTOR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I've already submitted a complaint about Truist on this topic, but the response Truist gave was to tell me that they won't fix their software to address the issues I'm experiencing. 

The complaint case number was XXXX, with complaint ID XXXX I was unable to pay my mortgage because Truist 's software was ( and still is ) unable to process payments. I managed to submit payments back in XXXX by navigating their automated phone system to allow me to pay my mortgage. However, they seemed to have changed some of their phone-based mortgage payment options, and it seems like this is no longer a solution. Thus, for me to be able to pay my mortgage, Truist needs to fix their software to allow me to make an online payment. In their mailed response to me, Truist encouraged me to continue calling them through their helpline. Every time I've done so, it's taken me hours and I really don't have the time to wait two hours in a single uninterrupted block once a month just to pay my mortgage. Truist claimed that they are having no broad-based issues at this time, but that clearly isn't true if I'm trying to make a routine payment and I'm unable to do so. 

I'm really not sure what I can do other than use vacation time and take time off work to call Truist, wait for hours for them to get through the backlog of other customers having similar issues with Truist, and finally get through to them and hopefully emphasize that I'm having the same problem with their software that I'm sure other people are having. I'm not sure if the CFPB has much power, but since I can't demand that I receive a new loan service provider my only option is to continue to submit complaints to the CFPB about Truist until they produce a functional banking software system.

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