vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: STATE BANK OF INDIA - NEW YORK BRANCH
State: IL

Complaint narrative:
I have been using XXXXXXXX XXXX XXXX  XXXX as a regular customer for several years. Recently, a couple months back they transition to a new banking website, which has resulted in several issues as below 1. The bank has tried to implement a 2-factor auth, but that utilizes a communication engine that sends duplicate alerts, mistimed/lagging messages, and complicates completion of transactions. In fact, late messages through text messages can confuse the user and cause them to re-login to validate transactions.

2. Internal secure messages are build one-way, and don't allow a complete two-way exchange to be processed as a single thread. One needs to spawn a new message and add the context each time. 

3. On XX/XX/XXXX, XXXX XXXXXXXX XXXX had a OTP system debacle causing many transaction to fail. One of mine was erroneously copied over 3 times. Imagine the plight of user who see a triple digit remittance request copied over thrice, with no means to cancel it. The bank doesn't have an online chat option, off hours call desk, and even during business hours, either the answering person reverts at their convenience ( only during XXXX CT ). These conditions may fluctuate or get better sometimes, but it tends to make the bank uniquely unreliable ( unlike any other US banking entity I have worked with ).

4. The bank sends monthly statement in paper to registered address, but there is no way to select electronic only statements, or even turn off paper ( if someone was to be away from home for few days/week ) causing the controls to be counterproductive ( unfavorable for privacy of individuals receiving large volume of paper statements ).

5. Generally employees are cooperative, but there is a lack of desire to change or modernize processes in line with other progressive banks. 

Instead of suggesting customers different workaround ( e.g. fax a request for remittance when online system crashes, or wait for IT to fix their systems ), Bank should adhere to the competitive benchmarks, regulatory controls, and digital standards. 

These are some of the examples of a poorly designed digital system, with broken processes, and lax customer service, worth noting as governance and financial/security controls gaps, that deserve systemic fix. It takes multiple follow-ups and reminders, which the bank has been apparently slow in responding. 

Efficient markets may work to drift customers and their business elsewhere, but for those that want to give another chance, would the bank please take notice?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I have 2 charge offs on my credit report. These accounts are closed but yet they are still reporting late payments every month. I'm not sure why. Ive contacted the dealerships and was unable to get assistance and I also contact the 3 credit agencies XXXX, XXXX, XXXX and I was not able to get any assistance.

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 2022-04-19 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

+ 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXXXXXX XXXX XXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXXXXXX XXXX XXXX  # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXXt # XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX  # XXXX has violated my rights XXXX  Account # XXXX has violated my rights XXXX XXXX XXXX  # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights unknown Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights

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 2022-04-19 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

+ 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX  XXXX Account # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX  Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights XXXX XXXX  Account # XXXX has violated my rights XXXX  Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights unknown Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Nissan XXXX XXXX XXXX has put in my Credit report Illegally, they had admitted that they made a mistake and are still trying to collect on their mistake. they will not release the Call logs because they know they will incriminate themselves and are trying to hide their mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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:
I am a victim of identity theft. I have fraudulent accounts on my report that need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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:
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 XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX has violated my rights. 
Convergent Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2022-04-19 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: AES/PHEAA
State: MI

Complaint narrative:
I was working for a XXXX  for approximately 5 years from XXXX. I thought American Education Services was applying the payments toward the PSLF program. I recently learned that my loan had to be consolidated in order to receive credit towards this program. No one had explained this to me. I just began working in XXXX XXXX and need to " start the clock '' all over again to be approved for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-04-19 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was alerted to a fraudulent credit inquiry by Experian on XX/XX/2022. It was by a personal loan company named XXXX. I immediately alerted Experian that this was fraud, and they told me they would take the necessary steps to make sure more fraudulent activity did not take place. I also contacted XXXX immediately and let them know that this was identity theft and that Ithe owner of the SSN being useddid not apply for any loans. The next day, despite being on the phone for over an hour with Experian the previous day, another hard inquiry for a personal loan from XXXX was allowed through. My accounts, reports, etc are frozen. I have placed alerts on all three bureaus. Furthermore, Experian has made it their policy to never talk to a customer unless they are a business customer. Their automated system menus are deliberately designed to lead callers to dead-ends and hang up on them. They dont take their duty as to the public as a credit reporting agency seriously and are not even willing to fulfill the basics steps to protect the identity of the people whose information they sell. I have not been able to get a response from them or XXXX at this point. I am purely depending on credit locks and freezes and my personal diligence to protect my finances. The hard inquiry on my credit still remains. Luckily, I dont believe any loans were generated as I reacted within minutes.

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 2022-04-19 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: CA

Complaint narrative:
In accordance with the fair credit reporting act the following companies listed below 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 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Unauthorized, Unverified, Incomplete Inquiries Listed Below : 1. XXXX XXXX Date XX/XX/XXXX Unauthorized 2. XXXX XXXX XXXX Date XX/XX/XXXX Unauthorized 3. XXXX XXXX XXXX Date XX/XX/XXXX Unauthorized 4. XXXX XXXX XXXX  XXXX XXXX Date XX/XX/XXXX Unauthorized 5. XXXX XXXX Date XX/XX/XXXX Unauthorized Unverified Accounts Listed Below : 1. XXXX XXXX Account # XXXX ) 2. XXXX XXXX XXXX ( Account # XXXX ) 3. XXXX XXXX XXXX  ( Account # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: TX

Complaint narrative:
I am a victim of identity theft. I have fraudulent accounts on my report that need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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: TX

Complaint narrative:
I am a victim of identity theft. I have fraudulent accounts on my report that need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: AL

Complaint narrative:
In accordance with fair credit reporting act.the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

List the account name here with the account # ( do not list over 5 accounts and 6 inquires ) XXXX XXXX XXXX # Accounts # has violated my rights.

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 a account without written consent.

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 2022-04-19 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: AL

Complaint narrative:
In accordance with fair credit reporting act.the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

List the account name here with the account # ( do not list over 5 accounts and 6 inquires ) XXXX XXXX XXXX # Accounts # has violated my rights.

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 a account without written consent.

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 2022-04-19 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # 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 writteninstructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the followingitems of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U, S.C. 1681s-2 ( A ) 1 ) A person shall not
furnish any information relating to a consumer to any consumer reporting agency if the reason o

f error 15 usc 1681b -creditor use my report for impermissible purpose, creditor need a valid reason for doing so 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 15 usc 1605 finance charge is sum of all charges included late 15 usc 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpos
e

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