vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 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: NC

Complaint narrative:
Hello, I have submitted disputes to the consumer reporting agencies and I haven't received any updated information pertaining to my investigation on the consumer reporting agency 's side of things I have given them the proper amount of time-based on law which is 30 days and I have also given them extra time to correspond back to me on the results and I haven't received anything back from them in the mail as of today XX/XX/2022. I first made contact with them on XX/XX/2022 and nothing has transpired since then. The company was Equifax. The total process now has been 34 days and counting and I haven't received anything from the consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXccount : XXXX XXXX Auto-acct # XXXX XXXX XXXX-acct # XXXX XXXX XXXX-acct # XXXX XXXX XXXX XXXX XXXX-acct # XXXX XXXX XXXX XXXX XXXX # XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXX-acct # 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 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 2022-04-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX Auto-acct # XXXX XXXX XXXX-acct # XXXX XXXX XXXX-acct # XXXX XXXX XXXX XXXX XXXXp-acct # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX-acct # XXXX XXXX XXXX-acct # XXXX XXXX XXXX-acct # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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:
n accordance with the Fair Credit Reporting act 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 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 2022-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION HAVE STILL. AT THIS TIME HAVE NOT DELETED THE XXXX ACCOUNTS, on my CONSUMER REPORT, already admitted my XXXX XXXX OF BEING MY INFORMATION BEING RESOLD AND WITHOUT MY CONSENT. at this time it is now demanded to remove any accounts in connecting with XXXX. The federal violation. For these matters will be address, pursuant to 15 US CODE 1692k civil liability XXXX XXXXs, XXXX XXXX and transunion are all liable for {$10000.00} in privacy fraud. XXXX XXXX CASE NUMBER XXXX.I would like the information sold to all XXXX, bureaus without my consent, causing turmoil for almost XXXX years. XXXX XXXX HAS ALREADY ADMITTED TO SELLING INFORMATION THAT IS NOT ACCURATE TO THESE XXXX BUREAUS

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 2022-04-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello, I have submitted disputes to the consumer reporting agencies and I haven't received any updated information pertaining to my investigation on the consumer reporting agency 's side of things I have given them the proper amount of time-based on law which is 30 days and I have also given them extra time to correspond back to me on the results and I haven't received anything back from them in the mail as of today XX/XX/2022. I first made contact with them on XX/XX/2022 and nothing has transpired since then. The company was Experian. The total process now has been 34 days and counting and I haven't received anything from the consumer reporting agency.

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 2022-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I requested Citizens Bank remove the escrow account from my mortgage on XX/XX/XXXX. 
I paid to have them appraise my property to remove the PMI insurance in XX/XX/XXXX. XXXX established my XXXX to be 64 %. Value {$410000.00} and loan balance {$260000.00}. 

The requirement to remove XXXX or Escrow is 80 % XXXX. On XX/XX/XXXX Citizens Bank sent me a letter rejecting my requested to remove the Escrow account. I called and the outbound message indicated 1hour hold time to get to representative. I finally got in touch with a supervisor XXXX XXXX contact number XXXX. She told me the XXXX to remove the escrow uses an XXXX based on the original value and the current loan balance. She told me I needed to pay down the loan by {$11000.00} and they would remove it. So I scraped together all my savings and paid it over the phone with her processing the payment. She promised me she would get the requested processed and completed. That was on XX/XX/XXXX I have a confirmation letter from Citizen Bank. I have called XXXX no less then 30 times and she informs me nothing has been done. I Have done everything they asked of me. It has been 3months since this started. I have all the documentation to support the above summary. Please get them to release my escrow account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2022 I stopped at a gas station in XXXX and tried to use my Capital One XXXX card for {$44.00} charge. Attendant showed me his hand held device that said " no sale due to no online connection ''. I was forced to pay cash for the gas but was not provided a receipt-again because the hand held device that prints receipts was not working. Consequently my XXXX was charged for the purchase and I immediately disputed with Capital One and explained that no charge was authorized or signed for and no receipt was given. They have refused to remove the disputed fraudulent charge so I am asking for your help to resolve. Obviously I can not contact merchant as they give no info on the statement other than " XXXX XXXX ''. Please advise what I can do from here as I am not paying them for this fraudulent charge. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. If you wont delete the XXXX late payments I want the trade line to be deleted.

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 2022-04-07 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-07 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. If you wont delete the 5 late payments I want the trade line to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. If you wont delete the 5 late payments I want the trade line to be deleted.

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 2022-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was employed at a bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, Ca XXXX. From XXXX through XX/XX/XXXX. In XXXX XXXX I received a letter from the Social Security XXXX, informing me of a potential private retirement benefit. The Plan name : XXXX XXXX XXXX XXXX  Pension Plan. Plan Administrator address : XXXX XXXX XXXX. XXXX XXXX, Ca XXXX. Plan number : XXXX Year reported : XXXX Estimated amount : {$170.00}. Type of benefit " C '' Life annuity, Payment Frequency : monthly. I strongly believe there is an annuity plan in existence. XXXX XXXX XXXX was bought by Washington Mutual Bank, and then taken over by Chase Bank. Chase Bank, I factually know has JP Morgan handle all retired employees retirement plans. I have tried to track down this plan with no luck to date. I have a very strong hunch that my sister, XXXX XXXX XXXX, has hijacked my retirement plan. She has been impersonating me and committing crimes against me. If you google her or other internet sources, she goes by the name : XXXX XXXX. To me, that alone is very suspect. I am her only sister and she actually assumes my legal first name : XXXX, as her alias. I have other reasons to believe it is my sister who took claim to my retirement account. She has a history of stealing from me, she impersonated me when I was employed at XXXX XXXX. 
She gained access to my employee account and changed my payroll and retirement benefits and took out hsa distributions on two occasions. She has a long history of mistrust and deceit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One did not defend me with the merchant who didnt issue a refund for an Incorrect item I received, And they have failed to ask for additional documents from my end and have made the decision solely on the merchants evidence. It is not the first time Capital One has done such thing and have continuously failed to resolve a dispute with A merchant. 
My case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: GA

Complaint narrative:
This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: FL

Complaint narrative:
XXXX, EQUIFAX, XXXX HAVE STILL. AT THIS TIME HAVE NOT DELETED THE XXXX ACCOUNTS, on my CONSUMER REPORT, already admitted my XXXX XXXX OF BEING MY INFORMATION BEING RESOLD AND WITHOUT MY CONSENT. at this time it is now demanded to remove any accounts in connecting with NFCU. The federal violation. For these matters will be address, pursuant to 15 US CODE 1692k civil liability XXXX XXXX, XXXX equifax and XXXX are all liable for {$10000.00} in privacy fraud. XXXX XXXX CASE NUMBER XXXXI would like the information sold to all 3, bureaus without my consent, causing turmoil for almost two years. XXXX XXXX HAS ALREADY ADMITTED TO SELLING INFORMATION THAT IS NOT ACCURATE TO THESE THREE BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: FL

Complaint narrative:
EXPERIAN, XXXX, XXXX HAVE STILL. AT THIS TIME HAVE NOT DELETED THE XXXX ACCOUNTS, on my CONSUMER REPORT, already admitted my XXXX XXXX OF BEING MY INFORMATION BEING RESOLD AND WITHOUT MY CONSENT. at this time it is now demanded to remove any accounts in connecting with XXXX. The federal violation. For these matters will be address, pursuant to 15 US CODE 1692k civil liability XXXX XXXX, Experian XXXX and XXXX are all liable for {$10000.00} in privacy fraud. XXXX XXXX CASE NUMBER XXXX would like the information sold to all XXXX, bureaus without my consent, causing turmoil for almost XXXX years. XXXX XXXX HAS ALREADY ADMITTED TO SELLING INFORMATION THAT IS NOT ACCURATE TO THESE XXXX BUREAUS

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 2022-04-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
USAA has wrongfully furnished a Hard Inquiry on my credit report. I have already contacted them, and cited consumer laws, but they foolishly said these laws dont apply to consumers only entities. That is anything from true. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general any consumer reporting agency may furnish a consumer report under the following circumstances and NO other : ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or USAA did NOT extend me a line of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am in the process of buying a house. Equifax has blocked me from seeing my credit score. Anytime a lender runs my credit they can not see my score or report. I have called Equifax support 54 times all together. They put in cases to fix it but it never happens. I cant buy house and I did nothing wrong except trust Equifax. I even paid money on XXXX to get it to work and It still wont work. I call them everyday and everyday its a new story. First it was I needed to verify my account so I faxed in a copy of my drivers license, social security card, and a letter stating to remove the hold they put on my account. Then they said its a glitch in the system, and they put in a case stating it would take 7-10 days to fix. That was 5 weeks ago. I even wrote to the XXXX XXXX XXXX. And Equifax responses with nonsense and no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: GA

Complaint narrative:
I contested the following information included on the attached files with Equifax and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Equifax has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: FL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act 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 written instructions

Company response to consumer: Closed with explanation