vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-04 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 confidentially under 15 USC 2681. 
XXXX XXXX XXXX account XXXX XXXX  XXXX account XXXX XXXX  account XXXX XXXX account XXXX XXXX XXXX XXXX  account XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Account XXXX 15 USC 1681 section 602A states I have a right to privacy 15 USC 1681 section 604A section 2 it also states I have a right to privacy 15 USC 1681 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 
15 USC 1681c. ( a ) ( 15 ) section states no consumer reporting agency may take any consumer report containing any of the following items of information, any other adverse item of information other then records of conviction of crimes which antedates the report by more then seven years 15 USC 1681s- ( A ) ( 1 ) a person shall not furnish any information relating to any consumer 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 2022-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have recently reached out to all three credit bureaus about the incorrect reportings of hard inquiries on my credit report. the inquiries were for an auto loan. The credit bureaus informed me that I had to reach out to the banks. Yet the banks said that I had to contact XXXX, transunion and XXXX to resolve the issue. 

The reportings are : XXXX XX/XX/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

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 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have recently reached out to all three credit bureaus about the incorrect reportings of hard inquiries on my credit report. the inquiries were for an auto loan. The credit bureaus informed me that I had to reach out to the banks. Yet the banks said that I had to contact equifax, XXXX and XXXX  to resolve the issue. 

The reportings are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Every other month, Chase keeps sending me an escrow analysis and increases my payment. Its getting ridiculous. My mortgage payment keeps increasing for no reason. I took a look at the escrow analysis and they withdrew payment on XX/XX/2022. I have no idea why they did this. I then took a look at the escrow and it states that they made a payment in XXXX and theres an expected payment in XXXX. My real estate taxes are to be paid quarterly, not monthly. I can not afford to make excessive monthly payments for real estate taxes. So right now, I have made payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and an expected payment on XX/XX/2022 ( per the new escrow tax analysis ). I took a look at NYCs real estate tax website and it looks like the XXXX payment is applied to the tax bill due in XXXX. So if they are going to take more money from me in XXXX, where is that going to be applied to? Ive attached screenshots of the escrow analysis and the XXXX property tax website

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/2022 regarding inaccurate and unknown things on my credit report. To this day, over 45 days after, I have not received a response. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days, so they should be removed now. This inaccuracy is preventing me from pursuing my school career and is holding me back from getting approved for things I need for school. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve these issues with my credit report.

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 2022-12-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: SC

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: SC

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: SC

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15USC 1681 Equifax and XXXX is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the rights to privacy and did not give Equifax and XXXX any written permission to furnish these accounts : 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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:
TO DATE IS XX/XX/XXXX MY NAME IS XXXX, XXXX I AM FILING A COMPLAINT AGAINST XXXX XXXX XXXX XXXX XXXX and TRANSUNION LLC, BOTH COMPANIES failed to follow reasonable procedures to assure maximum possible accuracy in the preparation of my consumer report consumer reports as defined in 15 U.S.C. 1681a ( d ), and consequently reported inaccurate information about me causing me irreparable harm. 
I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. I refuse to be an implied surety/debtor. These are few of many violations done on my good name ; which breaks the law. These listed Violations are based on breach of fiduciary duties TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o This account dont belong on my consumer file and must be deleted immediately XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Consumer reports under 15 U.S.C . 1681a ( d ) include both credit file disclosures obtained directly by me from the consumer reporting agencies and consumer reports obtained by third parties as a factor in establishing my eligibility for credit. 
XXXX negligent, willfully continued to report the inaccurate information even after dispute notices under the FCRA absent notices of dispute about the accuracy of this account and I have notified XXXX of an error and requested a re-investigation which never happen. 
Despite various disputes I had submitted to XXXX company willfully ignored all my attempts to correct the misleading information, that resulting in the denial of various loans. 
Which cause me irreparable harm, emotional and financial stress to me. 
XXXX unreasonable policies and procedures routinely report inaccurate and materially misleading information about consumer file including this account with XXXXXXXX XXXX XXXX that have been discharged from identity theft and has no permissible purpose. 
Rather than follow reasonable procedures to assure maximum possible accuracy, as required by the FCRA, XXXX frequently reported information regarding debts based on information they know is incomplete or inaccurate. 

Remove this account from my file XXXX XXXXXXXX XXXX XXXX Date openedXXXX ( ( please see attachments ) )

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 2022-12-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
TO DATE IS XX/XX/XXXX MY NAME IS XXXX, XXXX I AM FILING A COMPLAINT AGAINST XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, BOTH COMPANIES failed to follow reasonable procedures to assure maximum possible accuracy in the preparation of my consumer report consumer reports as defined in 15 U.S.C. 1681a ( d ), and consequently reported inaccurate information about me causing me irreparable harm. 
I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. I refuse to be an implied surety/debtor. These are few of many violations done on my good name ; which breaks the law. These listed Violations are based on breach of fiduciary duties TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o This account dont belong on my consumer file and must be deleted immediately USAA SAVINGS BANK XXXX Date opened XX/XX/XXXX Consumer reports under 15 U.S.C . 1681a ( d ) include both credit file disclosures obtained directly by me from the consumer reporting agencies and consumer reports obtained by third parties as a factor in establishing my eligibility for credit. 
XXXX negligent, willfully continued to report the inaccurate information even after dispute notices under the FCRA absent notices of dispute about the accuracy of this account and I have notified XXXX of an error and requested a re-investigation which never happen. 
Despite various disputes I had submitted to XXXX company willfully ignored all my attempts to correct the misleading information, that resulting in the denial of various loans. 
Which cause me irreparable harm, emotional and financial stress to me. 
XXXX unreasonable policies and procedures routinely report inaccurate and materially misleading information about consumer file including this account with USAA SAVINGS BANK that have been discharged from identity theft and has no permissible purpose. 
Rather than follow reasonable procedures to assure maximum possible accuracy, as required by the FCRA, XXXX frequently reported information regarding debts based on information they know is incomplete or inaccurate. 

Remove this account from my file USAA SAVINGS BANK XXXX Date openedXXXX ( ( please see attachments ) )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
On XX/XX/2022 received an email from XXXX XXXX XXXX XXXX. The email congratulated me for being approved for a credit card. The problem is, I never applied for a XXXX XXXX credit card. 

I called XXXX XXXX, explained the situation and they transferred me to their fraud department. After explaining the situation, they determined that someone had fraudulently opened an account in my name. They closed the account. 

Later in the day on XX/XX/2022, I received another email, indicating that my credit application has been approved and they were sending me a credit card w/in XXXX business days. 

I called XXXX XXXX again, concerned that this activity. After transferring to their fraud department, they determined that someone had submitted XXXX applications in my name. They assured me that both applications have been closed. 

This appears to have resolved the matter, because I have not received any additional emails. I wanted to report this because someone appears to be using my name, without my permission, to open credit accounts. I don't want my good credit ruined because of someone else 's fraudulent activity.

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 2022-12-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: MI

Complaint narrative:
Way2go child support card locked my card for trying to transfer money, which it gave me the option to do. I had to call customer service and sat on hold for 2 hours before connecting to an agent. They couldn't verify my information because my phone was not under my name. So they directed me to send a copy of the front and back of my ID to a specific email stress that the agent gave me. I tried 4 times to send the email and each time the email was rejected because the email address didn't exist. I had to then call customer service back and sit on hold for another 50 minutes to get the correct email address to send my ID. They told me to wait 3-5 hours to get a confirmation email and It has been two days, 48 hours and I haven't received anything. So I called customer service back and am currently sitting on hold for and hour and 25 minutes, with the line saying all representatives are still busy. This is ridiculous. First time I called was a Friday at XXXX in the morning. The second was Friday afternoon, the third is Sunday at XXXX XXXX This is terrible customer service. There is no excuse for having to sit on hold for this long every single time you call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 Sates I have right to privacy.

15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: Nelnet, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 Sates I have right to privacy.

15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: All State Credit Bureau, Inc.
State: NY

Complaint narrative:
Im entering this complaint on the basis of Defamation of character frauds identity theft Knowingly and without lawful authority causing damages to my reputation excuses for making these accusations false claims and transferring my private and public information is unlawful without my written or authentication of original signature or document is required and if not provided is unlawful and against the rights of FCRA For me as a consumer Im requesting an opportunity to cure with original documentation of such misleading information about my private & public information. All inquiries need to be removed all charge offs need to be removed because they are income and income can not be reported on consumer credit reports. 
All original documentation should be presented after investigation anything such of copies are considered counterfeit in the law of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: NC

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  : Acct # XXXX XXXX XXXX XXXX : Acct # 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 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