vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 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: 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 XXXX  Acct # XXXX Balance {$51000.00}, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX Balance {$28000.00}, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX Balance {$790.00}, XXXX XXXX XXXX XXXX  XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX Balance {$5000.00}, XXXX XXXX Acct # XXXX Balance {$1200.00}, XXXX XXXX Acct # XXXX Balance {$6000.00}, XXXX XXXX XXXX Acct # XXXX Balance {$3600.00}, XXXX XXXX Acct # XXXX Balance {$4700.00} XXXX Acct # XXXX Balance 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 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 crime 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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 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 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 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 crime 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 2023-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Unidentified person applied for credit using my personal information with capital one. Resulting in a hard inquiry & drop in my credit score. I would like this removed so that my score can return.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I opened a Navy Federal Account in XXXX TX off XXXX XXXX related to personal identifying information XXXX XXXX XXXX XXXX and XXXX XXXX XXXX related to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX presented a Fraud Marriage Document related to XXXX XXXX XXXX XXXX TX. and Filed illegal Powers Of Attorneys where acting power XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX had my passport book committed Veterans Affairs fraud by stealing my Veterans compensation check over XXXX a month as well as a spouse XXXX and child of XXXX for each. I played no part in this and this is Bank Fraud this was on the bank i asked for the disclosures from the bank to be mailed to XXXX XXXX XXXX XXXX XXXX Tx XXXX all will be disclosed in the Taxes to my undisclosed sources the round bout figures where my net worth is XXXX XXXX dollars and they stole {$650000.00} by transfering to bank cards relating to my social and unprotected name now at the comptrollers office in TX. but i first recognized the payments in XXXX or XXXX in XXXX XXXX. but i opened it in XXXX XX/XX/2021 when i ask the bank close my account in TX it was never closed because of the powers of attorney she had over me acting fraudulently as a spouse worlds dumbest criminal they tripped the FBI by amount they stole but failed to make the most wanted list all this was Bank Fraud in TX and California as well XXXX has a property at XXXX XXXX XXXX XXXX and another down XXXX XXXX which XXXX moved out of please investigate please XXXX mail any findings for my mobile is down or a investigators number to contact for i have cyber stalking to properly keeping me from reporting the full events please take this as a formal report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: MS

Complaint narrative:
From start of loan, my first payment I tried to make I could not get my bank account to link with their website. When I called in to make a payment I was told my debit card was not active in their system so I could not make a payment with my debit card. a week or so later i call and try to pay again now that I have a late charge. And then, that day my debit card was active in their system and I was able to make a payment. Next months payment was the same thing and month after. I Literally was only ALLOWED by upstart to pay with my debit card over the phone until AFTER I incurred a late charge. They had the ability to go into the system and turn the use of my debit card on and off but would not allow me to pay on time or early causing me to incur later charges and the worst part hits on my credit report each time. I have not been able to purchase a home due to these marks on my report when I clearly tried to pay on time every month but was denied the right to use my debit card until it was past 30 days late. This is appalling and down right criminal. My lifes progress and stability has been hindered by the pure greediness of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
RE : Taxes Paid from Escrow Account Late - Town has not received the payment - My escrow account has not been credit back for the incorrect payment to the wrong property Hello, I contacted Citizen 's Bank mortgage customer service on XXXX, XXXX, and XXXX because my property taxes are not paid. Citizens Bank escrows for my property taxes. On XXXX I provided a copy of my tax bill to Citizen 's online portal. Citizens provided me with a PIN for the upload. On XXXX Citizens disbursed {$6200.00} from my escrow account. This amount was incorrect, the actual amount due, the amount listed on the tax bill that I provided was {$7100.00}. The Town of XXXX 's website has public access, a password is not required. It is my understanding that lenders use a third party vendor when making payments and the vendor should have also provided the correct amount of {$7100.00}. 

When I noticed that the incorrect amount was paid I called Citizens mortgage customer service on XXXX to let them know of the error, while I was on the hold the Citizens representative verified that {$7100.00} should have been disbursed. 

On XXXX I checked my Citizen 's online mortgage account and the only disbursement that was showing was the {$6200.00} made on XXXX. I called Citizens mortgage customer service and I spoke with a representative and the representative stated that the correct disbursement has been made but could not explain why the disbursement was not showing on my online account. It turns out it had not been disbursed as the Town of XXXX has no record of a payment from Citizens to my property. I advised the Citizens representative that I had received a late tax payment notice from the Town of XXXX and that a 2 % late charge was now due. Inexplicably the representative assigned to work with customers regarding escrow payments could not understand why a late charge would be assessed on a tax payment now 2 months over-due. I uploaded the late notice to Citizen 's online portal using the new PIN that they provided me with. 

I just called the Town of XXXX, today XXXX, and the receiver of taxes stated that they have not received a tax payment. I do see that {$7100.00} was disbursed from my account however I do not see a credit for the {$6200.00} that was disbursed on XXXX. The Town did not receive a payment for my property so it appears as though the {$6200.00} was disbursed to an incorrect address. I have no confidence that Citizens has made the payment to the correct address even though I have verified the Section Lot and Block/Tax Map # with Citizens 3 times and I have no confidence that the late fee was paid by Citizens. I have no confidence that Citizens will credit my escrow account back the {$6200.00} that was disbursed incorrectly to the Town of XXXX on XXXX. After my escrow account is reconciled I would like a new correct escrow analysis, the 2 escrow analysis that I received are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent two dispute letters to equifax and i have not got any response.it was inreference to account number XXXX XXXX XXXX XXXX date opened XX/XX/XXXX date of last XXXX XX/XX/XXXX sold to XXXXXXXX XXXX the seven year statute has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Lender Services, Inc
State: NC

Complaint narrative:
a company called me and stated that they were hired by a company called XXXX XXXX to reposess a car, i told them to cease and desist calling me to harrass me about that car. i explained that i sent several certified letters to the company and XXXX XXXX has XXXX ot responded. XXXX XXXX and this company called lender services have violated the law and are contuining to harrass me. 
the federal trade commission has taken my action. i filed several actions against XXXX XXXX and XXXX has never responded to any mail. 
now sunrise has hired another company to harrass me called lender services who must have sold the loan. 
repossession is illegal, filing late fees on my credit report is illegal and i want them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: TX

Complaint narrative:
I was looking for a car and decided to give this company a try online. I did not ask for this inquiry to be furninshed on me credit report and was not aware that it would actually be a hard inquiry. 

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, 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 explanation
Consumer complaint received 2023-02-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX for incorrect reporting of my repossession balance. The balance is incorrect because on the Explanation of Deficiency dated XX/XX/2021 XXXX XXXX XXXX XXXX listed my loan balance at the time of repo as {$5600.00}. On the Transaction History Report that I also received from XXXX XXXX XXXX XXXX the balance at the time of repossession was {$5000.00}. The account adjustments don't total any adjustments that are listed on my transaction history. Also, the amount that the car was sold for is listed as {$1900.00} on the Explanation of Deficiency but on my transaction history it was listed only sold for {$1500.00}. Even after deducting the cost associated with repossessing and selling the vehicle it still does not amount to what is listed on the transaction history provided by XXXX XXXX XXXX XXXX. 

This has caused me significant harm and financial distress. I am therefore requesting full deletion of this account from my credit reports from the consumer reporting agencies to make me whole, and to account for the negative impacts this incorrect reporting has had on my credit score. XXXX XXXX  is very aware that they are verifying inaccuracies concerning this account to the consumer reporting agencies which is illegal. I am also concerned that XXXX XXXX can verify any information they feel is right and none of the consumer reporting agencies have conducted a full and proper investigation into the account to ensure they are reporting accurate information on my credit report. In order to do so, I cite section 623 of the Fair Credit Reporting Act, which protects consumers from inaccurate information reported by creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: NY

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX for incorrect reporting of my repossession balance. The balance is incorrect because on the Explanation of Deficiency dated XX/XX/2021 XXXX XXXX XXXX XXXX listed my loan balance at the time of repo as {$5600.00}. On the Transaction History Report that I also received from XXXX XXXX XXXX XXXX the balance at the time of repossession was {$5000.00}. The account adjustments don't total any adjustments that are listed on my transaction history. Also, the amount that the car was sold for is listed as {$1900.00} on the Explanation of Deficiency but on my transaction history it was listed only sold for {$1500.00}. Even after deducting the cost associated with repossessing and selling the vehicle it still does not amount to what is listed on the transaction history provided by XXXX XXXX XXXX XXXX. 

This has caused me significant harm and financial distress. I am therefore requesting full deletion of this account from my credit reports from the consumer reporting agencies to make me whole, and to account for the negative impacts this incorrect reporting has had on my credit score. XXXX XXXXXXXX is very aware that they are verifying inaccuracies concerning this account to the consumer reporting agencies which is illegal. I am also concerned that XXXX XXXX can verify any information they feel is right and none of the consumer reporting agencies have conducted a full and proper investigation into the account to ensure they are reporting accurate information on my credit report. In order to do so, I cite section 623 of the Fair Credit Reporting Act, which protects consumers from inaccurate information reported by creditors.

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 2023-02-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Late payments on my credit report is a privacy violation.

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 2023-02-23 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: OH

Complaint narrative:
my credit report is inaccurately reporting fraudulent information from all three credit agencies, transunion, XXXX and XXXX. The following creditors have reported fraudulent inquires : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information to transunion acct XXXX amount {$3100.00} date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, I made an uninformed decision on XX/XX/2021 when I entered into this consumer credit transaction pursuant to 15 USC 1601 ( a ). I did not understand the agreement because it was not clear and conspicuous. The informed use of credit results from an awareness of the cost thereof by consumers, an awareness I do not have.

Pursuant to 15 USC 1601 ( g ) ( 2 ), The term creditor is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of evidence of indebtness or, if there is no such evidence of indebtness, by agreement. Due to the fact that the agreement is not clear and conspicuous, that makes it null and void. The only evidence of a debt was the agreement, but that agreement is null and void because I made an informed decision. I did not understand the agreement because it was not clear and conspicuous.

Pursuant to 15 USC 1601 ( k ) the consumer must receive adequate notice. Adequate notice means a printed notice to a cardholder which sets forth pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to notice it and understood it's meaning.

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