vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 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: GA

Complaint narrative:
According to 15 USC 1681 section 602 i have the right to privacy.

According to 15 USC 1681 section 604a section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by me the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

My accounts on all Credit bureaus XXXX, Transunion, XXXX are incorrect, If there is anything i did not include please add it in there for me.I want XXXX per violation and removed from my account with the maximum credit score adjusted immediately on all three credit bureaus. How is it they are all " supposed '' to have the same rating/scores but when i checked none are the same. The open date is inaccurate one says XXXX the other says XXXX, that in itself is a violation and it shows up 7 different times so thats 7 violations in school loans and it also needs to be removed right away, price owed on my school loans are inaccurate ( all 3 bureaus are inaccurate ), my Derogatory Accounts are all off ( only 2 match ) my Delinquent Accounts are off ( only 2 match ) Closed Accounts ( all three are wrong ) Open Accounts ( all 3 wrong.. XXXX, XXXX, transunion ) Total Accounts ( all three wrong ) Inquiries ( 1 wrong ). If im missing anything please add it in for me.. Like misspelling of my name, first and last and middle

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 2022-08-31 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: GA

Complaint narrative:
According to 15 USC 1681 section 602 i have the right to privacy.

According to 15 USC 1681 section 604a section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by me the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

My accounts on all Credit bureaus XXXX, XXXX, Equifax are incorrect, If there is anything i did not include please add it in there for me.I want XXXX per violation and removed from my account with the maximum credit score adjusted immediately on all three credit bureaus. How is it they are all " supposed '' to have the same rating/scores but when i checked none are the same. The open date is inaccurate one says XXXX the other says XXXX, that in itself is a violation and it shows up 7 different times so thats 7 violations in XXXX  loans and it also needs to be removed right away, price owed on my school loans are inaccurate ( all 3 bureaus are inaccurate ), my Derogatory Accounts are all off ( only 2 match ) my Delinquent Accounts are off ( only 2 match ) Closed Accounts ( all three are wrong ) Open Accounts ( all 3 wrong.. XXXX, Equifax, XXXX ) Total Accounts ( all three wrong ) Inquiries ( 1 wrong ). If im missing anything please add it in for me.. Like misspelling of my name, first and last and middle

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
The person responsibe for this account has passed away. His vehicle was also repoed by 800LoanMart. This debt is not my responsibility!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My complaint is with Citizens Bank. I got ( 3 ) three month forbearances due to financial hardship caused by covid-19 pandemic. 
My loan is now maturing & they want me to pay off in a lump sum. I asked for repayment options as suggested by CFPB website & they say I need to fill out Foreclosure Prevention Package. They do not have loan modification program specifically for exiting Covid forbearance. I just spoke to ( 2 ) representatives of Citizens on XXXX. One was from the office of the Chairman ; he provided me with a phone number for the correct dept. to call. Prior to that, I had called several times, to several numbers & been transferred back and forth endlessly. I've been trying to work something out on this since at least XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A, States that 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 an account without my written instructions. 

Bank Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX : no : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
The short version is that Hyundai will not send my title info to the DMV in TN. They keep saying they are rejecting it becasue they don't have the address ( they never tell me it has been rejected, they just say to call back sometime to check on it ), but the address has very clearly been sent to them 4 times this month ( they have acknowledged receiving other information in these emails however ). You can not speak to a title agent, only some largely clueless regular phone agent who they have not properly equipped to address these issues. This is the kind of nonsense that XXXX keeps getting knocked for, not sure how or why they make this so hard. The internet it full of these stories and I truly hope Hyundai starts getting sued and fined for this. 
They sent an email detailing what they needed ; I copied it and replied with all of the information they requested.

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 2022-08-31 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
accordance with the fair credit reporting act XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Has violated my rights 15 U.S.C. 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604a Section 2 it also States a consumer reporting agency can not famish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
accordance with the fair credit reporting act XXXX XXXX capital bank  XXXX Has violated my rights 15 U.S.C. 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604a Section 2 it also States a consumer reporting agency can not famish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: MI

Complaint narrative:
accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604a Section 2 it also States a consumer reporting agency can not famish a account without my written instruction

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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent numerous complaints to Transunion regarding the validation of these accounts and received no reply. Transunion has responded to my CFPB complaint stating that they will investigate within 60 days. The FCRA requires that credit reporting agencies and furnishers, like creditors, investigate disputes within 30 days of receipt of the consumer 's dispute. Transunion has had over 60 days to investigate and is now in violation of the FCRA. The accounts are to be deleted immediately or litigation will be my next course of action.

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 2022-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase does not have a secured interest in our property located at XXXX XXXX XXXX XXXXXXXX, OH XXXX which was conveyed to us by General Warranty Deed on XX/XX/XXXX. Attached please find a copy of our Mortgage # XXXX to XXXX  as Nominee for XXXX XXXX XXXX XXXX. Attached please find an Assignment of Mortgage to Chase Home Finance LLC signed by XXXX XXXX on XX/XX/XXXX as Assistant Secretary and Vice President for XXXX XXXXXXXX XXXX XXXX XXXX as Nominee for XXXX XXXX XXXX XXXX XXXX its successors and assigns. Attached please find the Corporate Resolution granting XXXX XXXX the authority to sign as " as Assistant Secretary and Vice President for XXXX XXXXXXXX XXXX XXXX XXXX dated XX/XX/XXXX. As you can see in the attached documents XXXX XXXX did not have authority to Assign the interest in this property on XX/XX/XXXX in the above referenced assignment. 

In addition to the above Chase Home Finance continues to harass us by phone calls, mailings and filing Foreclosure XXXX on XX/XX/XXXX and XX/XX/XXXX while are under Bankruptcy Protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: TX

Complaint narrative:
Hello, I was previously a victim of theft a few years back due to the misplacement of my wallet with all of my private information inside, in florida around the holiday season. Back then in that time I went through an entire XXXX, worrying if someone would commit crimes using my identity, or do something that they have no business doing. It caused my XXXX XXXX XXXX out because of the amount of stress I was under. If you've dealt with this before you would know and understand the amount of strain it puts on you. Since then, I have made sure to carry a cross over which allows me to know where my stuff is at all times. Anyway, I noticed things on my credit file back then like I have noticed now, that is in correlation with florida 's incident which brings me to why I am writing today. I am needing to delete this stuff off my credit. I am a victim of identity theft and am asking for the items to be deleted to correct my file. I am overly exhausted with dealing with this and need this to be removed. I also already reported it to the Federal trade commision, not sure how important it was but I just did it to be proactive rather than reactive.

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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have previously disputed Public Record/Bankruptcy / Reference # XXXX < with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

Experian has also responded ( on XX/XX/2022 ) with that theyve verified the public record with the data furnished but The XXXX XXXX US BANKRUPTCY Court doesnt furnish requests from the credit bureaus so whom is verifying the public record and with what documents are being used to verify.

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 2022-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
In 2014, I received a home improvement loan from Navy Federal Credit Union in the amount of {$20000.00}. 

On last month, I reached out get a payoff for the loan and the amount due was more than I originally received eight years ago. I spoke with several representatives asking for an explanation detailing how the current balance is more than what was borrowed. I asked for an audit of the account to be sent to me for to understand my indebtedness. 

As of today, I have not received any communication of any form regarding my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello so apparently I had a wire fraud on my checking account on XX/XX/XXXX for the amount of XXXX plus XXXX for the wire fee. I noticed the charge online and contacted my bank. They conveniently closed the account before the weekend so whatever money was left I had no access to. They went on and said I have to open a new checking account and transfer the funds from the old account to the new account. I am still waiting for the rest of the funds they are holding against my will. They say they can hold it for up to 90 days, but they say there was no fraud on my end. I recently moved. I explained to them that I live alone, I am in XXXX I pay rent, and all my bills and food. All on me and that you can't hold my money. Now when I try to call the phone gets disconnected or they say, still investigating the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent numerous complaints to Equifax regarding the validation of these accounts and received no reply. Equifax has responded to my CFPB complaint stating that they will investigate within 60 days. The FCRA requires that credit reporting agencies and furnishers, like creditors, investigate disputes within 30 days of receipt of the consumer 's dispute. Equifax has had over 60 days to investigate and is now in violation of the FCRA. The accounts are to be deleted immediately or litigation will be my next course of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I recently submitted claim # XXXX, which was closed back in XXXX of 2022. The complaint was issued as NC Financial had not responded to my correspndence over a long period of time. As of today, the balance due for my loan, account # XXXX, is still incorrect. The balance has been at {$2900.00} for some time, and I am requesting that the balance due be updated every 30 days until paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: FL

Complaint narrative:
In accordance with the fair credit reporting act 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 customer reporting agency can not furnish an 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 2022-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: MO

Complaint narrative:
Upgrade is incorrectly showing late payments during XXXX I have called 3 times to get this removed and have received no resolution. 

In addition, I reported this to a XXXX and its still effecting my score This error by Upgrade has cost me the ability to refinance my house and now I'm faced with higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
its a corporate account that is reporting on my personal credit and Im a victim of identity theft. the account is still under investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account servicing on behalf of XXXX XXXX XXXX Bank was moved from XXXX XXXX  XXXX to XXXX XXXX XX/XX/2019. Despite a letter from XXXX XXXX to XXXX stating the account has been transferred and therefore closed, XXXX continues to report the account incorrectly in open status, affecting my credit report. 

I have spoken to multiple people at XXXX promising to resolve the issue over the course of the last year without resolution. Contacts include XXXX ( employee XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ). My latest interaction with XXXX XXXX XXXX ) was to send documentation of the issue from the credit bureau and two letters from XXXX XXXX clarifying the issue and the transfer to XXXX, these items are attached. I have emailed XXXX 3 times receiving no response despite his promise to respond immediate upon receipt of my emails.

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 2022-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
My current loan service provider is named EdFinancials. Due to the new CARES Act information regarding student loan forgiveness, I have requested a full refund from them of my payments that I made from XXXX and they are stating it will now take 7 months for it be processed and back into my bank account. I am not sure why it will take 7 months as many other student loan providers have been able to process students refunds in a matter of a few weeks, but I am concerned with EdFinancials taking this long to process. I understand the amount of requests they are probably having, but I am afraid that my request will be too late to apply for the student loan forgiveness application that will occur in XXXX and due in 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